Cheap 1999 Cadillac Catera Insurance Rates

Are you burned out from paying out the nose to pay high car insurance rates every month? Your situation is no different than many other consumers. Multiple insurance companies compete to insure your vehicles, so it’s not easy to compare every company to discover the definitive lowest rate possible.

You need to take a look at other company’s rates at least once a year since insurance rates trend upward over time. If you had the best rate for Catera coverage a few years ago a different company probably has better prices today. Block out anything you think you know about car insurance because you’re about to learn the right way to remove unneeded coverages and save money.

If you have insurance now or are looking for a new policy, you can follow these tips to find better prices while maintaining coverages. Finding affordable coverage is not that difficult. Consumers just need to learn how to get comparison quotes online.

How to lower your insurance cost

Finding a better price on insurance is surprisingly easy. Drivers just need to take a couple of minutes comparing rates from some recommended companies. Insurance prices can be quoted in a couple of different ways.

1. If you don’t have a lot of time, the easiest way consumers can analyze rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing boring form submissions for each company you want a rate for. One simple form gets coverage cost estimates from several companies.
2. A slightly less efficient method to analyze rates consists of going to the website for every company you want to comare and fill out their own quote form. For examples sake, let’s say you need rates from State Farm, Liberty Mutual and American Family. You would have to visit each site to input your insurance information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

Compare rates however you want, just be sure you’re using the exact same coverage information on every quote you get. If each company quotes different liability limits you will not be able to determine which company has the best rates.

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Are you qualifying for every discount?

Car insurance companies don’t always advertise their entire list of discounts in a way that’s easy to find, so the following is a list of a few of the more common and the more hidden discounts that you can inquire about if you buy insurance online.

• Safety Course Discount – Participating in a course in defensive driving could cut 5% off your bill if your company offers it.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
• Accident Forgiveness Coverage – This one isn’t a discount, but certain companies may permit one accident without the usual rate increase so long as you are claim-free for a set time period.
• Good Student Discount – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
• 55 and Retired – Mature drivers could receive reduced rates for Catera coverage.

Please keep in mind that most discounts do not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will cut your policy premium.

The best auto insurance companies and some of their more popular discounts are outlined below.

• Geico offers discounts for emergency military deployment, good student, multi-vehicle, seat belt use, anti-theft, federal employee, and multi-policy.
• MetLife has savings for defensive driver, good student, accident-free, good driver, and multi-policy.
• Progressive has discounts for multi-vehicle, good student, continuous coverage, online signing, multi-policy, homeowner, and online quote discount.
• Travelers discounts include driver training, save driver, continuous insurance, early quote, and student away at school.
• SAFECO may include discounts for homeowner, safe driver, anti-lock brakes, accident prevention training, teen safety rewards, and bundle discounts.
• AAA policyholders can earn discounts including multi-policy, pay-in-full, education and occupation, multi-car, AAA membership discount, good driver, and anti-theft.

When comparing rates, check with all the companies the best way to save money. Depending on the company, some discounts might not be offered in your area. To find insurers with discount rates, click here to view.

When in doubt talk to an agent

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might point out whether you would benefit from professional advice.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Should I rate my 1999 Cadillac Catera as pleasure use or commute?
• If my 1999 Cadillac Catera is totaled, can I afford another vehicle?
• Do I have newly-aquired coverage?
• Does coverage extend to Mexico or Canada?
• What if I total my 1999 Cadillac Catera and owe more than it’s worth?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Insurance prices are influenced by these factors

Lots of factors are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are more transparent like where you live or how financially stable you are.

The items below are some of the items insurance companies consider when setting your prices.

• Tickets hurt – Attentive drivers pay less for auto insurance as compared to those with violations. Having a single citation can bump up the cost substantially. Drivers who get multiple violations like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.
• Get better costs after the wedding – Being married may cut your premiums on your insurance bill. Marriage is viewed as being more mature and statistics show drivers who are married are more cautious.
• Commute or pleasure use – Driving a lot of miles in a year the higher the price you pay to insure it. Most companies charge to insure your cars partially by how you use the vehicle. Cars not used for work or commuting cost less to insure compared to those used for work or business. Double check that your insurance declarations sheet shows how each vehicle is driven. Improper usage on your Catera may be costing you higher rates.
• Vehicles with better crash test results save money – Cars with high safety ratings get lower rates. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means less claims paid and more competitive rates for policyholders. If the Cadillac Catera scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Companies want multiple policies – Most companies will give a discount to clients that purchase more than one policy, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to compare other insurance prices to help ensure you have the lowest rates.
• Insurance is expensive for younger drivers – Youthful drivers have been known to be more careless with other occupants in the car therefore insurance rates are much higher. Older insureds are shown to be more cautious, tend to cause fewer accidents .
• More stress means more cost – Did you know your career choice can influence rates? Careers such as military personnelairline pilots and accountants generally pay higher premiums than the average policyholder attributed to intense work-related stress and lots of time spent away from family. On the other hand, occupations such as scientists, athletes and retirees pay the least for Catera coverage.
• Prices also based on gender – Statistics demonstrate that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Men and women get in auto accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets like reckless driving and DUI. Young males tend to get in the most accidents so it costs more to insure them.

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Car insurance 101

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by auto insurance companies.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, hail damage, a broken windshield and a tree branch falling on your vehicle. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three 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 means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like attorney fees, medical services and loss of income. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills like doctor visits, prosthetic devices, rehabilitation expenses, hospital visits and ambulance fees. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Cadillac Catera.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Don’t break the bank

Cheaper 1999 Cadillac Catera insurance is attainable both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some companies may not provide the ability to get quotes online and usually these regional carriers only sell coverage through independent agencies.

You just read a lot of ways to save on 1999 Cadillac Catera insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheap insurance. Drivers may discover the best premium rates are with some of the lesser-known companies. Regional companies often have lower prices on specific markets compared to the large companies like Progressive and Geico.

As you restructure your insurance plan, do not skimp on coverage in order to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Additional articles

• Vehicle Safety Ratings (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)

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