1993 Cadillac Sixty Special Car Insurance Rates – 6 Tricks for Cheapest Quotes

Are you tired of paying out the nose to insure your Cadillac every month? You are in the same boat as most other car owners.

Many insurance companies vie for your business, and it can be difficult to compare rates and uncover the absolute lowest rate

Consumers should take time to price shop coverage once or twice a year because insurance rates change regularly. Even if you got the lowest rates on Sixty Special coverage on your last policy you will most likely find a better rate today. Ignore everything you know about insurance because you’re about to learn the right way to find great coverage at a great price.

How to Compare Car Insurance

There are several ways you can shop for Cadillac Sixty Special car insurance and some are more efficient than others. You could waste a few hours talking to agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

All the larger companies participate in a marketplace that enables customers to send in one quote, and each company then gives them pricing based on the submitted data. This prevents consumers from doing quote requests for every car insurance company. To find out what other companies charge for 1993 Cadillac Sixty Special insurance click here to open in new window.

The only drawback to getting quotes like this is you are unable to specify the insurers to get quotes from. If you would rather choose from a list of companies to compare prices, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just compare the exact same coverages and limits for every company. If you compare different values for each quote it’s impossible to truly determine the lowest rate. Quoting even small variations in coverages could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes will enable you to find a better price.

Are insurance companies telling the truth?

Insurance companies such as Progressive, Allstate and GEICO continually stream ads on television and other media. They all seem to make an identical promise about savings after switching your policy. How does each company say the same thing? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver that is profitable for them. A good example of a preferred risk might be between the ages of 40 and 55, insures multiple vehicles, and has a short commute. Any new insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who are not a match for the requirements will be charged higher prices which usually ends up with the customer not buying. The ads state “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently advertise the way they do. That is why it is so important to compare as many rates as you can. Because you never know which company will give you the biggest savings on Cadillac Sixty Special insurance.

Do you qualify for a discount?

Companies don’t always advertise every discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find ways to save on auto insurance.

  • Save with a New Car – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Multiple Cars – Having all your vehicles with the same company may reduce the rate for each vehicle.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on Sixty Special coverage than drivers with accidents.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Drivers Education – Require your teen driver to take driver’s ed class in high school.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.

Drivers should understand that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.

Companies that may have these discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Savings might not be offered in your area.

What coverages do I need?

When choosing coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need medical payments coverage since I have good health insurance?
  • How many claims can I have before being cancelled?
  • Am I covered if hit by an uninsured driver?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much can I save by bundling my policies?
  • Are split liability limits better than a combined single limit?
  • Is my dog or cat covered if injured in an accident?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Learn about car insurance coverages for a 1993 Cadillac Sixty Special

Learning about specific coverages of your car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Liability coverage

This coverage provides protection from damage that occurs to people or other 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.

Coverage consists of three different 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 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like medical expenses, pain and suffering, medical services, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your Sixty Special resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, sideswiping another vehicle, crashing into a building and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Cadillac Sixty Special.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses such as X-ray expenses, surgery and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, fire damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Spend less. Save more.

Cost effective 1993 Cadillac Sixty Special insurance can be purchased online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. There are too many instances where someone dropped physical damage coverage only to find out they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at a price you can afford.

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