Want the cheapest auto insurance rates for your Cadillac Catera? Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other drivers.
Many auto insurance companies compete for your business, so it can be very hard to choose a company to find the absolute lowest price
If you currently have a car insurance policy, you will be able to save some money using these techniques. Buying car insurance is quite easy. But car owners must understand the way insurance companies price online insurance and apply this information to your search.
Performing a rate comparison can be challenging if you aren’t aware of the most efficient way. You could spend your day talking about coverages with insurance companies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.
Most major companies participate in a marketplace that enables customers to submit one quote, and at least one company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.
To submit your quote information now, click here to open in new window.
The single downside to using this type of system is you cannot specify the insurers to get pricing from. If you wish to select specific insurance companies for rate comparison, we put together a list of insurance companies in your area. Click here for list of insurance companies.
It’s your choice how you get your quotes, but double check that you are using exactly the same coverages and limits on every quote you get. If you enter different deductibles it will be next to impossible to find the best deal for your Cadillac Catera. Quoting even small variations in insurance coverages may result in a large different in cost. And when comparing insurance rates, know that comparing a large number of companies will improve the odds of getting the best rates.
When choosing coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help highlight whether or not you may require specific advice.
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Knowing the specifics of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.
Collision coverages – This coverage will pay to fix damage to your Catera resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like sideswiping another vehicle, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.
Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, chiropractic care, prosthetic devices, rehabilitation expenses and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as vandalism, fire damage, damage from getting keyed and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Cadillac Catera.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Auto liability – This coverage will cover damage that occurs to a person or their property that is your fault. It protects you against other people’s claims. It does not 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 values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against things like structural damage, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.