Looking for cheaper auto insurance rates for your Cadillac Fleetwood? Nobody that owns a car loves paying for auto insurance, especially when they could find lower prices if they just compared rates.
There are many car insurance companies to purchase coverage from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the best rates.
Auto insurance companies don’t always publicize all their discounts very well, so the list below details some of the best known as well as some of the hidden ways to save on insurance coverage.
One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you aren’t that lucky.
A few popular companies and their possible discounts are:
Before buying, ask every prospective company what discounts are available to you. A few discounts may not be offered in every state. To find companies that offer multiple discounts, follow this link.
When looking for the cheapest auto insurance quotes, there are a couple ways to compare prices from many different insurance companies. The easiest way by far to find cheaper 1993 Cadillac Fleetwood rates is to use the internet to compare rates. This can be done by using one of the methods below.
The best way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This quick form prevents you from having to do separate quotation requests to each individual insurance company. Completing one form compares rates from multiple low-cost companies.
A more difficult way to compare prices requires visiting each individual company website and complete a new quote form. For examples sake, let’s assume you want to get rates from State Farm, Geico and American Family. You would need to visit each site and repeatedly type in your coverage information, and that explains why we recommend the first method.
To view a list of companies in your area, click here.
The most time-consuming way to compare price quotes is going to each insurance agency near you. The ability to quote online can eliminate the need for a local agent unless you prefer the professional abilities that only an agent can give. Some companies do allow you to compare online quotes but still have the advice of a local agent.
The method you choose is up to you, but do your best to use equivalent coverages and limits on every price quote you get. If your comparisons have different liability limits it will be nearly impossible to truly determine the lowest rate. Even a minor difference in coverage limits can make a big difference in price. And when comparing insurance rates, know that obtaining a wide range of quotes will increase your chances of finding more affordable rates.
Lots of things are used in the calculation when you get your auto insurance bill. Some are obvious such as your driving history, but some are less obvious like your continuous coverage or your vehicle rating.
When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.
Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as backing into a parked car, damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.
Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills like rehabilitation expenses, X-ray expenses and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Comprehensive protection – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as theft, damage from flooding, a broken windshield, falling objects and rock chips in glass. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Uninsured or underinsured coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 1993 Cadillac Fleetwood.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
Liability insurance – Liability coverage protects you from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.
Liability can pay for claims like bail bonds, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.
We covered many tips how you can compare 1993 Cadillac Fleetwood insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. You may even discover the lowest car insurance rates are with some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.
As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where someone sacrificed physical damage coverage and learned later they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.
Additional information can be read below:
Cheap car insurance? What’s that? I live in a small town just outside of Greensboro, NC. I got free quotes from USAA, AAA, Liberty Mutual, and Nationwide for my Fleetwood and saved around $110 a year. I even had a DUI years ago. Highly recommended.
Cheap is not always the best policy. I’m in Las Vegas, NV. I got free quotes with AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my Cadillac and I think I cut my rates about $30 each month.
This is too expensive. Live in the eastern part of Raleigh, NC. Can’t remember who all I quoted but I ended up saving about $20 each month. I have several vehicles insured with them. Not worth enough to pay for comprehensive and collision.
From east side of Huntington, WV. Got quotes with AIG Insurance, Safeco, and a few others for my 1993 Cadillac Fleetwood and am saving around $110 a year. Are quotes cheaper online? I’m thinking about dropping full coverage though.
This is too expensive. Live in Chesapeake, Virginia. I don’t recall every quote but I ended up saving about $30 each month. I have a teen driver too. It’s only liability tho.
When should I drop comp and collision?
I live in Saint Louis, Missouri. Quoted prices from Progressive, AIG Insurance, Erie, and Hartford for my Cadillac and saved just over $60 a year. Not sure if rates are cheaper online or not.
Just my two cents. From a town just southwest of Cleveland, OH. Compared rates from a lot of places. Saved darn near $30 a month. Progressive was the cheapest option for me. Left Eastwood to switch. I get lower rates because of my clean driving record. I only have liability coverage on it.
Mine is so expensive. From northwest of Newark, DE. Got rates from Amica, Sentry, and a few others for my Cadillac and I think I am saving around $30 each month. Was with Amica. Can still barely afford it.
Just a quick comment on my experience. From northwest of Great Falls, Montana. Received quotes with Sentry, Farmers, Progressive, and AAA for my 1993 Cadillac Fleetwood and I’m now saving $16 a month. Might find lower rates online. Only insure liability on my Cadillac.