1997 Cadillac DeVille Car Insurance Quotes – 9 Tricks for Cheaper Rates

Want cheaper auto insurance rates for your Cadillac DeVille? I can’t think of anyone who likes paying for auto insurance, especially when their premiums are through the roof. Having so many choices, it’s nearly impossible to find the lowest cost car insurance company.

Insurance Prices Online

Finding cheaper 1997 Cadillac DeVille insurance prices can be relatively painless. You just need to spend a few minutes to compare rate quotes online with multiple companies. This can be done in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate forms for each company you want a rate for. One form submission compares rates from multiple companies.
A less efficient way to analyze rates requires a visit to the website of each company and fill out their own quote form. For example, let’s say you want comparison quotes from Allstate, Geico and American Family. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
The most time-consuming way to compare rates is to spend time driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you have a need for the trained guidance only provided by licensed agents. However, consumers can compare the best prices online and still use a local agent and we’ll touch on that later.

Which method you use is up to you, but ensure you’re using identical coverage limits for each price quote. If you are comparing different values for each quote it will be very difficult to decipher which rate is best.

Do you qualify for these nine discounts?

Car insurance companies don’t list all their discounts in a way that’s easy to find, so we researched some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount available, you’re just leaving money on the table.

No Claims – Claim-free drivers pay less as compared to bad drivers.
Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
Save with a New Car – Insuring a new car can cost up to 25% less compared to insuring an older model.
Drive Less and Save – Keeping the miles down on your Cadillac can earn lower rates on the low mileage vehicles.
Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
Driver Safety – Successfully completing a course in driver safety could save 5% or more if you qualify.
Multiple Policy Discount – When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
Service Members Pay Less – Being on active duty in the military could mean lower rates.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of insurance companies with discount insurance coverage rates, click here to view.

Don’t assume everyone needs the same coverage

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation might need professional guidance.

Should I have combined single limit or split liability limits?
What is no-fault insurance?
I have good health insurance, so how much medical payments coverage do I need?
Is my camper covered by my car insurance policy?
Am I covered if I wreck a rental car?
Should I buy additional glass protection?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Understanding the coverages of car insurance aids in choosing the right coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Cadillac DeVille.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto collision coverage

Collision insurance pays for damage to your DeVille from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, damaging your car on a curb, sideswiping another vehicle, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for doctor visits, funeral costs, X-ray expenses, dental work and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, damage from a tornado or hurricane and falling objects. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as emergency aid, court costs, medical expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.