Cheap 1993 Cadillac Eldorado Car Insurance Rates

Think you have an expensive auto insurance policy? Say no more because there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Since you have so many auto insurance companies to choose from, it is very difficult to choose the lowest cost auto insurance provider.

Smart consumers take time to get comparison quotes on a regular basis since prices change frequently. Just because you had the best deal on Eldorado insurance two years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the only way to save on auto insurance.

Finding affordable coverage is easy if you know what you’re doing. Basically, every vehicle owner who buys auto insurance will be able to find better rates. But car owners can benefit by having an understanding of how the larger insurance companies determine prices because it can help you find the best coverage.

These discounts can reduce car insurance rates

Auto insurance companies don’t necessarily list every policy discount very clearly, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving when you buy auto insurance online.

  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up can save 10% or more on medical payment and PIP coverage.
  • Resident Student – Older children who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
  • Employee of Federal Government – Active or retired federal employment may reduce rates when you quote auto insurance on Eldorado insurance but check with your company.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course as it will make them better drivers and lower rates.
  • Home Ownership Discount – Owning a house may trigger a policy discount on car insurance because maintaining a house shows financial diligence.
  • Discount for Low Mileage – Driving less can qualify you for better premium rates on cars that stay parked.
  • Defensive Driver Discount – Taking time to complete a defensive driving course may get you a small discount and easily recoup the cost of the course.
  • Safe Driver Discounts – Accident-free drivers may receive a discount up to 45% on Eldorado insurance as compared to drivers with claims.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you will save at least 10 to 15 percent or more.

It’s important to understand that most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think it’s possible to get free car insurance, you’re out of luck. But any discount will cut your overall bill.

The best car insurance companies and their offered discounts can be found below.

  • State Farm offers discounts including accident-free, Drive Safe & Save, passive restraint, Steer Clear safe driver discount, safe vehicle, and multiple policy.
  • Geico policyholders can earn discounts including defensive driver, air bags, multi-policy, driver training, five-year accident-free, and good student.
  • Progressive may have discounts that include online quote discount, good student, multi-vehicle, multi-policy, and homeowner.
  • 21st Century has discounts for theft prevention, anti-lock brakes, early bird, defensive driver, student driver, automatic seat belts, and driver training.
  • American Family includes discounts for mySafetyValet, accident-free, multi-vehicle, bundled insurance, good student, and TimeAway discount.
  • The Hartford offers discounts for anti-theft, driver training, air bag, good student, defensive driver, and vehicle fuel type.
  • AAA may include discounts for AAA membership discount, multi-policy, good student, pay-in-full, education and occupation, and good driver.

When comparing rates, check with each company or agent the best way to save money. Some discounts may not apply to policies in your area. If you would like to choose from a list of providers that offer multiple discounts, click here to view.

When do I need an agent’s advice?

When choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. For example, these questions can help discover if you would benefit from an agent’s advice.

  • Am I covered if my car is in a flood?
  • What vehicles should carry emergency assistance coverage?
  • Do I pay less for low miles?
  • Will filing a claim cost me more?
  • How much can I save by bundling my policies?
  • When should I buy a commercial auto policy?
  • Is my state a no-fault state?
  • How much liability insurance is required?
  • I have health insurance so do I need medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance 101

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Liability coverage – Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as emergency aid, funeral expenses, repair costs for stationary objects and medical services. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

UM/UIM Coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 1993 Cadillac Eldorado.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, theft, hitting a deer and rock chips in glass. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This coverage pays for damage to your Eldorado resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, rolling your car, crashing into a ditch, crashing into a building and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like funeral costs, dental work, surgery, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Best coverage at the best price

Throughout this article, we presented a lot of information how to shop for 1993 Cadillac Eldorado insurance online. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Drivers may discover the best car insurance rates are with a small mutual company. Regional companies may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate or State Farm.

More affordable auto insurance is definitely available both online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. A few companies may not offer the ability to get a quote online and most of the time these smaller providers prefer to sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

More detailed auto insurance information is available by following these links:

Comments About 1993 Cadillac Eldorado Insurance

  1. Kristie Acevedo

    Why are claims settled so low?

  2. Arminda Kerr

    I live in Denver, CO. I don’t recall every quote but I ended up saving about $20 each month. I get lower rates because of my clean driving record. You can get a rate quote online. Full coverage costs too much.

  3. Cortney Mccormick

    I got decent rates for a 1993 Cadillac Eldorado in Gaithersburg, MD. Ended up at darn near $100 every six months with Auto-Owners. They were helpful in switching over. I only have liability coverage on it.

  4. Garth Avery

    $100 to anyone who understands their policy.

  5. Jina Workman

    Will 21st Century cancel if I have a claim?

  6. Shae Pennington

    Mine is so expensive. Live in Grand Forks, North Dakota. Can’t remember who all I quoted but I ended up saving about $20 each month. Insured with Travelers before. Did it all online.

  7. Mikki Mcclure

    Here’s what I found out. I live on the east side of Idaho Falls, ID. I got free prices from State Farm, AIG Insurance, and some I forget for my Cadillac and saved $68 a year. Insured with State Farm before. Good savings if you bundle. Just liability coverage since it’s getting old.

  8. Saul Bates

    Here’s what I found out. I’m in the suburbs of Portland, OR. Received quotes from State Farm, Amica, and some I forget for my 1993 Cadillac Eldorado and saved $83 a year. I have a teen driver too. I quoted rates online then called them. I don’t put full coverage on it.

  9. Mervin Vaughn

    Thanks for putting this site together. I’m from Allentown, Pennsylvania. Got prices from AAA, Mercury, and some smaller one I can’t remember the name of for my Cadillac and saved about $90 a year. Even increased coverage a bit. Highly recommended. It’s only liability tho.

  10. Maria Mclaughlin

    Thought I’d throw in my experience. I’m just north of Owensboro, KY. Compared rates from a lot of places. Saved darn near $20 a month. GEICO was the best choice for me. I think I’ll get rid of full coverage next time.

  11. Soledad Garrison

    I’m in the west part of Gaithersburg, Maryland. Got quotes from 21st Century, AAA, Eastwood, and Hartford for my 1993 Cadillac Eldorado and I think I saved about $20 each month. I get a discount for insuring multiple vehicles.

  12. Jackelyn Bell

    From Owensboro, KY. Quoted quotes from 21st Century, Amica, and some I forget for my Eldorado and saved $67 a year. Still almost need a second mortgage. I think I’ll get rid of full coverage next time.

  13. Tana Hood

    I switched to Progressive. Quoted good rates in Chesapeake, Virginia. They offer free online rate quotes. I don’t put full coverage on it.

  14. Julienne Vaughan

    Corporate greed I’m telling you. Located in Fargo, ND. Don’t remember every company but I ended up saving about $20 each month. Liability only on my Eldorado.

  15. Silva Reynolds

    This is too expensive. Checking in from Jacksonville, Florida. I got free rates from Safeco, Eastwood, GEICO, and AIG Insurance for my Cadillac and saved just over $80 a year. It’s only liability tho.

  16. Marjory Hodge

    Here’s my quote info. Went with Western Auto Insurance for my 1993 Cadillac Eldorado and saved around $70 a year. I have a teen driver too. :) I don’t have comp or collision coverage.

  17. Loriann Clemons

    Found cheapest coverage with Erie for my Eldorado and saved around $100 a year. Was with 21st Century. BTW speeding tickets are not good. I don’t have comp or collision coverage.

  18. Micha Clay

    Lots of good stuff here. I’m from Hilo, Hawaii. Quoted rates from Mercury, Esurance, 21st Century, and American Family for my Cadillac and I think I am saving around $20 each month. Anyone else drop full coverage?

  19. Andy Matthews

    I’ve had State Farm for years. I’m in Evansville, IN.

  20. Eddie Frazier

    This is too expensive. Checking in from Charleston, South Carolina. Received quotes with Auto-Owners, Farmers, and Mercury for my 1993 Cadillac Eldorado and saved around $110 a year.