1998 Cadillac DeVille Insurance Rates – 7 Discounts for Best Quotes

Looking for lower insurance rates? Shoppers have options when shopping for low-cost Cadillac DeVille insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to compare insurance rates and we’ll show you the best way to compare rates for your Cadillac and get the lowest possible price.

You should take the time to shop coverage around once or twice a year because rates go up and down regularly. Even if you think you had the best rates for DeVille coverage a year ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper insurance.

Finding the best rates is not that difficult. If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Consumers only need to know how to compare prices over the internet.

Automobile Insurance Quotes

There are a variety of methods to shop for 1998 Cadillac DeVille car insurance, and some are less labor-intensive and much quicker. You can spend your afternoon driving to insurance companies in your area, or you can stay home and use the web to achieve your goal.

Many of the larger companies participate in an industry program where prospective buyers complete one form, and each company returns a rated price for coverage. This eliminates the need for form submissions to every company.

To compare 1998 Cadillac DeVille rates using this form now click here (opens in new window).

The only drawback to using this type of system is you can’t choose the insurers you will receive quotes from. If you wish to select individual companies to compare rates, we have a listing of low cost car insurance companies in your area. Click to view list.

Whichever method you choose, make sure you use exactly the same coverages for every company. If you use higher or lower deductibles it’s impossible to make a fair comparison for your Cadillac DeVille.

Discounts are basically free money

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so we break down some of the best known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

• Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.
• Student in College – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
• Claim Free – Drivers who don’t have accidents can save substantially when compared to bad drivers.
• Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for DeVille coverage than less cautious drivers.
• E-sign – Certain companies may give you up to $50 for buying a policy and signing up digitally online.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of companies offering car insurance discounts, follow this link.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help highlight whether you could use an agent’s help.

• Do I need replacement cost coverage on my 1998 Cadillac DeVille?
• Do I get a pro-rated refund if I cancel my policy early?
• Do I have coverage for damage caused while driving under the influence?
• Who is covered by my policy?
• Is my babysitter covered when using my vehicle?
• How can I find cheaper teen driver insurance?
• Will I lose any money if I cancel my policy before it expires?
• Should I buy more coverage than the required minimum liability coverage?
• Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Parts of your insurance policy

Having a good grasp of insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance – Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as funeral expenses, emergency aid and attorney fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1998 Cadillac DeVille.

Since a lot of drivers have only the minimum liability required by law, 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.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, damaging your car on a curb, crashing into a building, hitting a mailbox and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for bills like rehabilitation expenses, nursing services, surgery, prosthetic devices and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

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

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane and hail damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.