2002 Cadillac DeVille Insurance Quotes – 10 Tips to Save

Trying to find better insurance coverage rates for your Cadillac DeVille? Being forced to pay for high-priced insurance coverage premiums can bleed your family’s budget, especially in this economy. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

There is such a variety of car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, more options can take longer to locate the cheapest rates.

Quote insurance online

There are multiple methods to shop for insurance, but some are less labor-intensive and much quicker. You can spend countless hours talking to agents in your area, or you can utilize the internet to quickly compare rates.

Most of the larger companies participate in a marketplace where prospective buyers submit one quote, and each company returns a rated price based on that data. This eliminates the need for repetitive form submissions for each company.

To compare pricing click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify the companies you want pricing from. If you prefer to choose individual companies to compare rates, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use nearly identical quote data on every quote. If you enter differing limits you can’t possibly make an equal comparison. Quoting even small variations in coverages could skew the results. And when comparing insurance rates, know that more quotes will enable you to find better pricing. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare rates from those companies as well.

Will you really save $427 on car insurance?

Companies like GEICO, State Farm and Progressive endlessly run ads on TV and radio. All the ads advertise the message that you’ll save big if you get a free car insurance quote and switch your car insurance policy to them. But how can every company sell you cheaper insurance coverage? This is the way they can do it.

Many companies have a certain “appetite” for the type of driver that makes them money. For example, a preferred risk may be over the age of 50, has had continuous coverage, and insures a new vehicle. Any new insured who meets those qualifications will probably get cheap rates and as a result will probably save when they switch companies.

Potential insureds who do not fit this stringent profile may be required to pay higher premium rates and this results in the customer buying from someone else. If you pay attention, the ads say “people that switch” not “everybody who quotes” save money. That’s the way companies can truthfully state the savings.

This really emphasizes why drivers must compare quotes as often as possible. It’s just too difficult to predict which car insurance company will be your best fit.

Are you getting every discount?

Some providers don’t always list every available discount very clearly, so the below list has some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy car insurance online.

  • Mature Driver Discount – Older drivers are able to get reduced rates on DeVille coverage.
  • Savings for New Vehicles – Buying insurance on a new vehicle can save you some money due to better safety requirements for new vehicles.
  • Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education as it will make them better drivers and lower rates.
  • Theft Deterent System – Cars equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
  • Telematics Discount – People who choose to allow driving data collection to track driving manner by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
  • Payment Method – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
  • Discount for Swiching Early – A few insurance companies offer discounts for signing up prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Low Miles Discount – Fewer annual miles on your Cadillac could be rewarded with lower rates on the low mileage vehicles.
  • Driver Training Discounts – Completing a defensive driving class could save 5% or more depending on where you live.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may save as much as 10 to 15 percent.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Some of the insurance companies that have these discounts may include but are not limited to:

If you want affordable car insurance quotes, ask every insurance company what discounts are available to you. Some discounts may not be available everywhere. If you would like to choose from a list of companies that provide some of the discounts listed above, click here to view.

When in doubt talk to an agent

When choosing the best car insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Is there coverage for injuries to my pets?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if my car is in a flood?
  • Am I covered when pulling a rental trailer?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I waive the damage coverage when renting a car?
  • Do all my vehicles need collision coverage?
  • When does my teenage driver need to be added to my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Specific coverage details

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

Coverage for collisions

This pays for damage to your DeVille from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a building, backing into a parked car, damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Auto liability

This protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, loss of income and pain and suffering. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac DeVille.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like prosthetic devices, rehabilitation expenses and nursing services. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, damage from getting keyed, hail damage, a broken windshield and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Stretch your dollar

The cheapest 2002 Cadillac DeVille insurance can be found both online and with local insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not offer price quotes online and most of the time these smaller providers only sell through independent agencies.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

Much more information about car insurance can be read at the links below