Lower Your 1998 Cadillac Catera Car Insurance Quotes

Are you a victim of an underperforming, overpriced auto insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Because there are so many different company options, it can be challenging to choose the cheapest provider.

This information will let you in on the best way to quote coverages. If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Although car owners need to have an understanding of how the larger insurance companies compete online and take advantage of how the system works.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be inquired about prior to receiving the credit.

  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Catera insurance than drivers with accident claims.

Consumers should know that most credits do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. But all discounts will reduce your overall premium however.

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

Compare the Market for Car Insurance

There are a variety of methods to shop for 1998 Cadillac Catera car insurance, and some are less labor-intensive and much quicker. You can waste hours talking to insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Most of the larger companies enroll in a system that enables customers to submit one quote, and each participating company can give them a price based on that data. This system prevents you from having to do quotation requests to each company.

To compare 1998 Cadillac Catera rates using this form now click here to open in new window.

The only downside to doing it this way is that you can’t choose the companies you want to price. So if you want to select from a list of companies for rate comparison, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, be sure to compare identical deductibles and coverage limits on every quote. If the quotes have higher or lower deductibles then you won’t be able to determine the best price for your Cadillac Catera. Just a small difference in coverage limits may result in large price differences. Just remember that comparing a large number of companies will improve the odds of getting a lower rate.

Situations that might require an agent

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Is my Cadillac Catera covered if I use it for business?
  • How much liability insurance is required?
  • Is my teen driver covered when they drive my company car?
  • Can I still get insurance after a DUI?
  • Should I rate my 1998 Cadillac Catera as pleasure use or commute?
  • Am I covered if I crash into my own garage door?
  • Is pleasure use cheaper than using my 1998 Cadillac Catera to commute?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

What auto insurance coverages do you need?

Having a good grasp of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types available from auto insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac Catera.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.


Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as loss of income, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed and hitting a bird. The most a auto 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.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as funeral costs, X-ray expenses and dental work. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Collision insurance

This coverage covers damage to your Catera from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, scraping a guard rail, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Never pay more for less

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to discover later that it was a big error on their part. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

Cheap 1998 Cadillac Catera insurance is available on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Additional insurance information is located on the following sites: