Lower Your 1994 Cadillac DeVille Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Looking for the cheapest car insurance rates for your Cadillac DeVille? Tired of paying out the nose to pay your car insurance bill each month? You are in the same boat as most other car owners. Big-name insurance companies like GEICO, Farmers Insurance and State Farm all claim big savings with TV and radio ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

You should take the time to price shop coverage on a regular basis because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates on DeVille insurance on your last policy a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to find out how to quote online to get good coverage at a lower rate.

Compare the Market for Car Insurance

Cutting your car insurance rates isn’t really that difficult. Just invest a few minutes comparing rate quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating a different quote to each individual car insurance company. One quote request will return quotes direct from many companies.

A more time consuming way to compare rate quotes requires visiting each individual company website to request a price quote. For example, we’ll assume you want to compare rates from Auto-Owners, Farmers and Progressive. To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever method you choose, ensure you are comparing exactly the same coverage limits and deductibles for each price quote. If you compare mixed coverages you will not be able to make an equal comparison.

Cut prices on 1994 Cadillac DeVille insurance

Car insurance is not cheap, but there could be available discounts that you may not know about. Certain discounts will be applied at the time of purchase, but a few need to be specially asked for before you will receive the discount. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Bundle and Save – When you combine your home and auto insurance with the same company you may save up to 20% off your total premium.
  • Defensive Driving Course – Taking a defensive driving course can save you 5% or more if your company offers it.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance from them.

Consumers should know that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will reduce the amount you have to pay.

Insurance companies that may offer these benefits are:

Check with each company what discounts are available to you. Some discounts might not be offered in every state.

Factors that can influence insurance rates for a Cadillac DeVille

It’s important that you understand the different types of things that help determine insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that could result in lower insurance prices.

  • Occupation reflects on rates – Occupations like lawyers, executives and stock brokers tend to have the highest rates due to high stress levels and long work days. On the other hand, occupations such as pilots, students and the unemployed receive lower rates on DeVille insurance.
  • Women pay lower rates – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men tend to get into accidents at a similar rate, but the males have costlier accidents. They also get cited for more serious violations such as reckless driving. Young males tend to get in the most accidents and therefore have the most expensive insurance rates.
  • Too many insurance claims drive up costs – Car insurance companies provide cheaper rates to policyholders who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is designed for major claims that would cause financial hardship.
  • A clean driving record saves money – Careful drivers receive lower rates than their less careful counterparts. Even a single ticket can boost insurance rates twenty percent or more. If you have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • More than one policy can earn a discount – Many companies will give a discount to people who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare rates to ensure the best deal.

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Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For example, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Should I put collision coverage on all my vehicles?
  • When can my company non-renew my policy?
  • Am I covered if I break a side mirror?
  • Is there coverage for injuries to my pets?
  • Can I drive in Mexico and have coverage?
  • Is my 1994 Cadillac DeVille covered for smoke damage?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Buyer beware of insurance coverage advertising tricks

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Allstate and Progressive. They all have a common claim of big savings if you switch your coverage to them.

But how can every company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the type of driver that makes them money. An example of a preferred risk might be profiled as between 25 and 40, insures multiple vehicles, and drives newer vehicles. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who fall outside the “perfect” profile must pay a higher premium and ends up with business not being written. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully make the claims of big savings.

This illustrates why it’s extremely important to get as many quotes as possible. You cannot predict which insurance coverage company will fit your personal profile best.

Coverages available on your auto insurance policy

Understanding the coverages of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, fire damage, hitting a bird, hitting a deer and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability insurance will cover damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for 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. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like legal defense fees, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Cadillac DeVille.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for funeral costs, surgery, doctor visits, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This coverage pays for damage to your DeVille from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Never pay more for less

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an insured dropped liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to purchase plenty of coverage for the lowest price.

Cheap 1994 Cadillac DeVille insurance is attainable on the web in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

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