1993 Cadillac Eldorado Insurance Quotes – 10 Ways to Save

Trying to find lower car insurance rates for your Cadillac Eldorado? Wish you could get out of overpriced car insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive car insurance. Numerous auto insurance companies battle for your business, so it can be very hard to choose a insurance company to find the absolute lowest price

Consumers need to get comparison quotes before your next renewal because insurance rates change quite often. Despite the fact that you may have had the best deal on Eldorado coverage last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

If you are insured now or need a new policy, you can learn to reduce the price you pay while maintaining coverages. Finding the best rates is not that difficult. Drivers only need an understanding of the most efficient way to get comparison rates online.

How to get free insurance quotes online

There are a variety of methods to compare insurance prices but one way is more efficient than others. You could spend your day discussing policy coverages with insurance agencies in your area, or you could use online quoting to get prices fast.

Many insurance companies belong to a marketplace where insurance shoppers submit their information once, and each company then returns a price quote based on the submitted data. This system prevents you from having to do quote forms to each company. To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to comparing rates this way is you are unable to specify which providers you want to price. So if you prefer to pick individual companies to compare prices, we have a page of companies who write insurance in your area. Click here to view list.

The method you choose is up to you, but be sure you’re using the exact same coverages for each quote you get. If the quotes have different values for each quote it will be nearly impossible to truly determine the lowest rate.

Get lower rates by earning these ten discounts

Companies don’t always advertise every disount available very well, so the next list breaks down some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

  • Driver’s Ed – Require your teen driver to participate in a local driver’s education class in high school.
  • More Vehicles More Savings – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Low Mileage Discounts – Keeping the miles down on your Cadillac can qualify you for substantially lower rates.
  • Driver Training Discounts – Completing a course teaching driver safety skills is a good idea and can lower rates and also improve your driving technique.
  • Multi-policy Discount – If you can bundle your homeowners and auto insurance with the same insurance company you could get a discount of nearly 15% which can help you find cheaper auto insurance.
  • Student in College – Any of your kids who live away from home at college and do not have a car may be able to be covered for less.
  • Professional Memberships – Joining certain professional organizations may earn a discount when getting a auto insurance quote.
  • Passenger Safety Discount – Factory options such as air bags can get savings of 20% or more.
  • Claim Free – Claim-free drivers can earn big discounts when compared with insureds who have frequent claims or accidents.
  • Telematics Data – People who choose to allow their insurance company to analyze vehicle usage remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free auto insurance policy, companies wouldn’t make money that way.

A few popular companies and the discounts they provide are outlined below.

  • GEICO policyholders can earn discounts including seat belt use, military active duty, emergency military deployment, defensive driver, multi-vehicle, daytime running lights, and federal employee.
  • MetLife offers premium reductions for claim-free, good student, accident-free, multi-policy, good driver, defensive driver
  • Progressive has savings for multi-vehicle, online signing, online quote discount, good student, continuous coverage, and multi-policy.
  • Travelers offers discounts for hybrid/electric vehicle, multi-policy, IntelliDrive, multi-car, and new car.
  • SAFECO may have discounts that include teen safe driver, bundle discounts, anti-lock brakes, anti-theft, multi-car, safe driver, and teen safety rewards.
  • AAA offers discounts including AAA membership discount, anti-theft, multi-car, education and occupation, and pay-in-full.

Before you buy a policy, ask each insurance company which discounts they offer. Discounts might not be offered in your area. To view providers that provide some of the discounts listed above, click this link.

Your car insurance coverage should be tailored to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different and your policy should reflect that. For example, these questions can help discover if you would benefit from professional advice.

  • Are rock chip repairs covered?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I rate high risk drivers on liability-only vehicles?
  • How much liability insurance is required?
  • Should I get collision insurance on every vehicle?
  • Does coverage extend to my business vehicle?
  • Am I covered if hit by an uninsured driver?
  • Why am I required to get a high-risk car insurance policy?
  • Can I make deliveries for my home business?
  • Will my insurance pay for OEM parts?

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 want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance coverages 101

Understanding the coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for pain medications, hospital visits and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Cadillac Eldorado.

Because many people 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 should not be overlooked.

Liability car insurance – Liability coverage will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like structural damage, attorney fees, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from getting keyed, rock chips in glass, hitting a deer and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, damaging your car on a curb, hitting a mailbox, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Make a quick buck

We just showed you a lot of techniques to reduce 1993 Cadillac Eldorado insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small mutual company. Regional companies often have lower rates on specific markets than the large multi-state companies such as GEICO and State Farm.

More affordable insurance can be bought from both online companies in addition to many insurance agents, so you should compare both to have the best selection. Some insurance providers may not offer the ability to get quotes online and these regional insurance providers work with local independent agencies.

To learn more, feel free to browse the resources below: