Save on 1993 Cadillac Sixty Special Insurance Rates

Want cheaper auto insurance rates for your Cadillac Sixty Special? If you are new to online auto insurance, you can easily be baffled thanks to all the different types of online companies all promising to save you money.

Buying car insurance is easy if you know what you’re doing. Basically, anyone who buys insurance will be able to cut their insurance bill. But vehicle owners must learn the way companies compete online and apply this information to your search.

Discounts for cheap auto insurance rates

Auto insurance is easily one of your largest bills, but there could be available discounts that many people don’t even know exist. Certain reductions will be credited at the time of quoting, but some must be manually applied in order for you to get them. If you don’t get every credit you qualify for, you are just wasting money.

• Multi-line Discount – Select companies reward you with a discounted premium rate on car insurance if you buy a life insurance policy as well.
• Professional Organizations – Being in a qualifying organization is a good way to get lower rates on your next auto insurance statement.
• Government Employee Discount – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance for Sixty Special insurance with select insurance companies.
• Discount for Swiching Early – Select insurance companies give a discount for buying a policy early. Ten percent is about the average savings.
• New Vehicle Savings – Putting coverage on a new car can save you some money because newer vehicles keep occupants safer.
• Homeowners Discount – Owning your own home or condo can get you a discount because it means you have a higher level of financial diligence.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like you could get a free auto insurance policy, it just doesn’t work that way. Any amount of discount should help reduce the cost of your policy.

To view auto insurance companies that offer discounts, click here.

Insurance rates are influenced by these factors

Multiple criteria are used in the calculation when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but others are less apparent like where you live or your commute time.The best way to find cheaper insurance is to take a look at the rating factors that play a part in calculating your insurance rates. When you understand what determines base rates, this allows you to make educated decisions that could result in lower rates.

• Do thieves like your car? – Driving a car with an alarm system can get you a discount on your insurance. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft and help lower rates.
• An active insurance claims history can cost you more – Companies give discounts to drivers who do not file claims often. If you file claims often, you can pretty much guarantee higher rates. Your insurance policy is designed for larger claims.
• Does your occupation raise your prices? – Do you have a high-stress occupation? Jobs such as doctors, executives and medical professionals tend to have higher premium rates in part from stressful work requirements and long work hours. On the flip side, careers like professors, students and retirees get better rates for Sixty Special insurance.
• Rural areas have lower prices – Having an address in a rural area is a positive aspect if you are looking for the lowest rates. Drivers who live in large cities have more traffic problems and longer commute times. Fewer drivers translates into fewer accidents and a lower car theft rate.
• Don’t let your insurance lapse – Having a lapse in insurance coverage can be a guaranteed way to increase your rates. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Women pay lower prices – Statistics have proven females are less aggressive when driving. This data doesn’t prove that females are better drivers. Both genders cause fender benders in similar percentages, but the males get into accidents with more damage. Not only that, but men also receive more major tickets like DUI and reckless driving. Male drivers age 16 to 19 generally have the highest accident percentage and therefore are the most expensive to insure.
• Multiple policies with one company – Lots of insurance companies allow better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount, consumers should still get quotes from other companies to guarantee you are still saving the most.
• Older drivers pay less – More experienced drivers are more responsible, tend to file fewer claims , and usually have better credit.Teen drivers are known to be more careless when behind the wheel so insurance rates are higher.

You may need specialized insurance coverage coverage

When buying coverage, there really is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

• When would I need rental car insurance?
• What is covered by UM/UIM coverage?
• Is pleasure use cheaper than using my 1993 Cadillac Sixty Special to commute?
• What can I do if my company denied a claim?
• Am I covered if I hit my neighbor’s mailbox?
• Does my personal policy cover me when driving out-of-state?
• Do I benefit by insuring my home with the same company?
• Am I covered if I break a side mirror?
• Is my babysitter covered when using my vehicle?
• Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Parts of your insurance policy

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, damage from getting keyed, damage from a tornado or hurricane and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Cadillac Sixty Special.

Since a lot of drivers only carry the minimum required liability limits, 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.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses such as EMT expenses, chiropractic care, rehabilitation expenses and funeral costs. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like structural damage, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – This coverage will pay to fix damage to your Sixty Special resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, sideswiping another vehicle, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Be a Smart Shopper

In this article, we presented many ways to reduce 1993 Cadillac Sixty Special insurance rates online. The most important thing to understand is the more you quote car insurance, the higher the chance of saving money. You may even find the lowest rates are with a company that doesn’t do a lot of advertising.

Consumers change insurance companies for a number of reasons such as policy non-renewal, being labeled a high risk driver, policy cancellation and even delays in responding to claim requests. Regardless of your reason, finding a great new company can be easy and end up saving you some money.

Discount 1993 Cadillac Sixty Special insurance can be sourced from both online companies in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide rate quotes online and usually these smaller providers only sell coverage through independent insurance agents.

Helpful information

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Side Impact Crash Tests (iihs.org)
• Collision Insurance Coverage (Nationwide)