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  2. Cadillac
  3. Seville
  4. 1994 Model Year

1994 Cadillac Seville 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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UPDATED: Jun 12, 2015

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Feel like you’re a prisoner to an overpriced insurance coverage policy? Believe me, you’re not the only one.

Having so many companies and agents to choose from, it can be diffult for consumers to pick the most affordable car insurance company.

Consumers should take time to check insurance coverage prices occasionally because rates fluctuate regularly. Just because you found the best price for Seville insurance a year ago you will most likely find a better rate today. There is a lot of bad advice regarding insurance coverage on the web, but with this article, you’re going to get some excellent ideas to stop overpaying for insurance.

The quickest method to compare rate quotes is to realize all the major auto insurance companies allow for online access to provide you with free rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information like deductibles desired, types of safety features, which vehicles you own, and driver ages. Your rating data is instantly provided to multiple top-rated companies and you receive quotes instantly.

To get price quotes for your 1994 Cadillac Seville, click here and find out if you can get cheaper insurance.

Don’t pay full price with these eight discounts

Companies do not list all available discounts very well, so we researched both the well known as well as the least known discounts you could be receiving.

  • Distant Student – Youth drivers who are attending college without a vehicle on campus may qualify for this discount.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save at least 10% off all policies.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for Seville insurance depending on your company.
  • Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Homeowners Discount – Simply owning a home can help you save on auto insurance because owning a home is proof that your finances are in order.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

Car insurance companies that may offer these benefits are:

Check with each insurance company which discounts they offer. Savings may not be available in your state.

Your personal situation dictates your coverage

When it comes to buying the best auto insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • I have a DUI can I still get coverage?
  • Do I have coverage if my license is suspended?
  • What if I don’t agree with a claim settlement offer?
  • What if I owe more than I can insure my car for?
  • Why do I only qualify for high-risk insurance?
  • Does my 1994 Cadillac Seville qualify for pleasure use?
  • Do I have coverage when using my vehicle for my home business?
  • Why is insurance for a teen driver so high?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverage information

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses like prosthetic devices, dental work, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Cadillac Seville.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, hitting a bird, damage from a tornado or hurricane and fire damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

Collision coverage pays for damage to your Seville resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, backing into a parked car, driving through your garage door, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Liability

This will cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, repair costs for stationary objects, legal defense fees, emergency aid and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

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