2001 Cadillac Catera Insurance Rates

Looking for cheaper car insurance rates for your Cadillac Catera? Comparing insurance quotes online can seem complicated since most people haven’t used online rate comparisons. Don’t let the process intimidate you because there is an easy way to compare rates.

It’s a great practice to compare rates every six months because car insurance prices go up and down regularly. Despite the fact that you may have had the best rate for Catera insurance a few years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the quickest ways to save on car insurance.

The easiest way to compare rate quotes is to know all the major auto insurance companies have advanced systems to compare rate quotes. To begin a comparison, all you need to do is take a few minutes to give details including if it has an alarm system, the year, make and model of vehicles, whether or not you need a SR-22, and if you’re married. Your information is submitted instantly to insurance carriers in your area and they respond with quotes almost instantly.

To check rates for your car now, click here then complete the form.

Insurance coverage discounts are available to reduce your rates

Insurance coverage is easily one of your largest bills, but you might be missing out on some discounts that you may not even know about. Many of these discounts will be applied automatically when you complete an application, but some discounts are required to be specifically requested prior to receiving the credit.

  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Drive Less and Save – Driving fewer miles may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can get you a discount since newer vehicles have better safety ratings.
  • Discount for Swiching Early – A few insurance coverage companies allow discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • College Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car may qualify for this discount.
  • Auto/Home Discount – If you combine your homeowners and auto policies with one company they may give you a discount of approximately 10% to 15%.

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

To locate insurance coverage companies with the best insurance coverage discounts, follow this link.

Everyone needs different auto insurance coverages

When choosing the best auto insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • What is high-risk coverage and where do I buy it?
  • Do I have any recourse if my insurance company denies a claim?
  • Does insurance cover damages from a DUI accident?
  • How do I buy GAP insurance?
  • Can I afford low physical damage deductibles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage basics

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage

Collision coverage covers damage to your Catera caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for chiropractic care, funeral costs, prosthetic devices, dental work and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, a tree branch falling on your vehicle, fire damage, hitting a deer and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2001 Cadillac Catera.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Auto liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, funeral expenses, repair costs for stationary objects, medical expenses and structural damage. How much coverage you buy is a personal decision, but consider buying higher limits if possible.