1993 Cadillac Eldorado Car Insurance Quotes – 6 Tricks for Cheaper Rates

Trying to find better insurance rates for your Cadillac Eldorado? Overpriced Cadillac Eldorado insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income.

Consumers have many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, having more auto insurance companies makes it harder to find the best rates for your vehicles.

It’s important to check insurance prices occasionally because rates change regularly. Just because you had the lowest rates for Eldorado coverage on your last policy a different company probably has better rates today. Starting now, block out anything you think you know about insurance because you’re going to get a crash course in the right way to find better rates and still maintain coverage.

How to Compare Car Insurance

When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The simplest method to find the lowest 1993 Cadillac Eldorado rates is simply to get online rate quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The best way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This form eliminates the need for multiple quote forms for every car insurance company. A single, simple form compares rates direct from many companies.
  2. Another way to find lower rates is spending the time to visit the website of each company and complete a new quote form. For sake of this example, we’ll assume you want to compare Auto-Owners, Progressive and State Farm. You would have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, be sure to compare apples-to-apples coverage limits and deductibles with every price quote. If you compare mixed coverages it’s not possible to find the best deal for your Cadillac Eldorado. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when comparing car insurance rates, know that obtaining a wide range of quotes helps locate a lower rate.

Pay less for 1993 Cadillac Eldorado insurance

The price of auto insurance can be rather high, but you may find discounts that many people don’t even know exist. Some trigger automatically when you quote, but a few need to be specially asked for before you get the savings.

  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Paperless Signup – Certain companies give back up to $50 simply for signing over the internet.
  • Driver Safety – Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Distant Student – Kids in college who live away from home and do not have a car may qualify for this discount.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Senior Citizens – Older drivers can possibly qualify for reduced rates for Eldorado coverage.

It’s important to note that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will reduce the amount you have to pay.

Car insurance companies that possibly offer these money-saving discounts are:

Double check with each company which discounts you may be entitled to. Some discounts may not be available everywhere.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help you determine if your situation will benefit from professional help.

  • Does my medical payments coverage pay my health insurance deductible?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does medical payments coverage apply to all occupants?
  • Do I need more liability coverage?
  • Is there coverage for injuries to my pets?
  • Will my rates increase for filing one claim?
  • Does liability extend to a camper or trailer?

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 agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Understanding the coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.


Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as attorney fees, emergency aid and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac Eldorado.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses like surgery, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, damage from getting keyed, vandalism and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision coverage pays for damage to your Eldorado caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.