View 1998 Cadillac Catera Car Insurance Quotes

Trying to find better insurance prices for a new or used Cadillac Catera can turn out to be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to buy auto insurance and you need to know the quickest way to get price quotes for a new or used Cadillac and locate the cheapest rates from both online companies and local agents.

Consumers need to do rate comparisons quite often because auto insurance prices change quite often. Despite the fact that you may have had the lowest rate on Catera insurance six months ago there is a good chance you can find better premium rates now. There are lots of tips to save on auto insurance on the internet, but in this article, you’re going to get some great ways to stop overpaying for insurance.

Finding the best rates is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can learn to find better prices while maximizing coverage. Vehicle owners just need to understand the proper way to buy insurance online.

Insurance premiums are influenced by these factors

Part of the insurance coverage buying process is learning a few of the rating criteria that come into play when calculating the level of your policy premiums. When you understand what determines base rates, this enables informed choices that will entitle you to much lower annual insurance costs. Multiple criteria are part of the equation when quoting car insurance. Some of the criteria are obvious like your driving record, but others are more transparent like your continuous coverage or your financial responsibility.

• Cheaper rates by bundling – Most insurance companies give discounts to clients who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare other insurance prices to help ensure you have the lowest rates.
• Liability is important – Your insurance coverage policy’s liability coverage provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. It is affordable coverage when compared with rates for comp and collision, so buy as much as you can afford.
• Gaps in coverage mean higher premiums – Driving any period of time without insurance can get you a ticket and any future policy may cost more because you let your insurance coverage expire. In addition to paying higher premiums, getting caught without coverage will get you fines or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Vehicles with better crash test results means better rates – Cars with five star safety ratings get lower rates. Vehicles built for safety reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you.
• Careless driving leads to higher prices – Good drivers get better rates than people who have multiple driving citations. Even one moving violation can bump up the cost to the point where it’s not affordable. Drivers unfortunate enough to have serious violations such as hit and run, DWI or reckless driving convictions might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent a license revocation.

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Insurance Coverage Discounts

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so we researched some of the more common and the more hidden credits available to lower your premiums when you buy car insurance online.

• Driver Education Discount – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
• Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease on Catera insurance depending on your company.
• Telematics Discount – Policyholders that allow data collection to track when and where they use their vehicle through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
• Military Discounts – Having a family member in the military could trigger a small discount.
• Claim-Free Discount – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
• Own a Home and Save – Just being a homeowner can help you save on insurance coverage since home ownership is proof of financial responsibility.
• Early Renewal Discounts – Some companies provide a discount for switching policies prior to your current policy expiring. This discount can save up to 10%.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save 10% or more off the medical payments premium.
• Low Miles Discount – Maintaining low annual mileage can qualify you for lower rates on the low mileage vehicles.
• E-sign – Some insurance companies may give you up to $50 shop car insurance digitally online.

Just know that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

A few popular companies and a selection of discounts are detailed below.

• Progressive may have discounts that include multi-policy, good student, online quote discount, continuous coverage, multi-vehicle, homeowner, and online signing.
• Geico includes discounts for good student, air bags, emergency military deployment, daytime running lights, military active duty, and anti-theft.
• State Farm offers discounts for good student, anti-theft, student away at school, Drive Safe & Save, and safe vehicle.
• Esurance has discounts for Switch & Save, defensive driver, good driver, emergency road assistance, anti-lock brakes, homeowner, and renters.
• The Hartford discounts include driver training, bundle, anti-theft, defensive driver, good student, vehicle fuel type, and air bag.

If you need lower rates, check with each company how many discounts you can get. Some of the earlier mentioned discounts may not apply in your area. To choose insurance coverage companies that offer the discounts shown above, follow this link.

Tailor your insurance coverage to you

When buying coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether you would benefit from professional advice.

• Can I afford to pay high deductible claims out of pocket?
• Am I covered when driving in Canada or Mexico?
• Is a new car covered when I drive it off the dealer lot?
• What is roadside assistance coverage?
• If my 1998 Cadillac Catera is totaled, can I afford another vehicle?
• Who is covered when they drive my 1998 Cadillac Catera?
• Should I carry comprehensive and collision coverage?
• How much liability coverage do I need in my state?
• Does my insurance cover a custom paint job?
• Can I still get insurance after a DUI?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Insurance coverage breakdown

Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability coverages

Liability coverage can cover damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, funeral expenses, repair costs for stationary objects and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Cadillac Catera.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a broken windshield and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This will pay to fix damage to your Catera resulting from a collision 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 can pay for claims like scraping a guard rail, crashing into a ditch, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for chiropractic care, nursing services and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

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Feed the piggy bank

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice full coverage to discover at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Lower-priced auto insurance is possible from both online companies and from local agencies, so get free car insurance quotes from both of them to have the best selection. There are still a few companies who do not provide online rate quotes and most of the time these smaller companies only sell coverage through independent insurance agents.

Insureds change insurance companies for any number of reasons including questionable increases in premium, not issuing a premium refund, extreme rates for teen drivers and even unfair underwriting practices. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

Even more information can be found in these articles:

• Senior Drivers (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Older Driver Statistics (Insurance Information Insitute)

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