Cheap 1993 Cadillac Fleetwood Car Insurance Quotes

Finding cheaper prices on Driversinsurance coverage is always kind of frustrating for drivers who are beginners to quoting and comparing rates online. With more and more companies, it can easily turn into a real hassle to find more affordable insurance coverage rates.

Quote auto insurance online

To find cheap rates, there are a couple of ways of comparing rates from many auto insurance companies in your state. The best method to find competitive 1993 Cadillac Fleetwood insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. Hands down the most simple method to get quotes would be an industry-wide quote request form (click to open form in new window). This quick form eliminates the need for separate quotation requests for each price estimate. One quote request gets rate comparisons from all major companies.It’s the quickest way to get rates.
  2. A different way to analyze rates is to take the time to go to each company’s website and fill out a new quote form. For sake of this example, we’ll assume you want to view quotes from Allstate, Farmers and Liberty Mutual. To do that, you would have to visit each site and repeatedly enter your information, which can get old fast.

    For a list of links to companies insuring cars in your area, click here.

  3. The final method to get price estimates is going to insurance agents’ offices. Comparing online rate quotes eliminates the middleman unless your situation requires the personal advice that can only be provided by a licensed insurance agent. It is possible with some companies price shop your coverage online but buy the policy through an agent.

Whichever method you choose, do your best to enter equivalent coverage data for every quote you compare. If each company quotes differing limits you will not be able to truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. And when comparison shopping, getting more free quotes helps you find more affordable insurance.

Double check you’re getting these discounts

Auto insurance companies do not advertise the complete list of policy discounts in an easy-to-find place, so we took the time to find both the well known and also the more inconspicuous ways to save on auto insurance.

  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
  • Bundle and Save – If you can bundle your auto and home insurance with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Fleetwood coverage with select insurance companies.
  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.
  • Seat Belt Discounts – Requiring all passengers to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Distant College Student Discount – College-age children living away from home attending college and won’t have access to an insured vehicle could get you a discount.
  • Claim Free – Good drivers with no accidents have much lower rates when compared to bad drivers.
  • New Vehicle Savings – Adding a new car to your policy can get you a discount since new model year vehicles are generally safer.
  • Own a Home and Save – Just owning your own home can save you money since owning and maintaining a home is proof of financial responsibility.
  • Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations may earn a discount when getting a insurance coverage quote.

As is typical with insurance, most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way.

The best auto insurance companies and some of the premium reductions they offer can be read below.

  • State Farm has discounts for multiple autos, good driver, Steer Clear safe driver discount, multiple policy, student away at school, and defensive driving training.
  • Nationwide may offer discounts for multi-policy, easy pay, good student, accident-free, defensive driving, business or organization, and Farm Bureau membership.
  • GEICO policyholders can earn discounts including military active duty, daytime running lights, multi-vehicle, good student, and multi-policy.
  • AAA offers discounts including pay-in-full, good student, anti-theft, education and occupation, and multi-car.
  • 21st Century includes discounts for anti-lock brakes, teen driver, automatic seat belts, theft prevention, homeowners, and 55 and older.
  • The Hartford discounts include good student, driver training, vehicle fuel type, anti-theft, bundle, defensive driver, and air bag.

Check with all companies you are considering how many discounts you can get. Some credits may not apply to policies in your area. To choose insurance companies with the best auto insurance discounts, click here to view.

Special considerations

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions might point out if your insurance needs may require specific advice.

  • What are the financial responsibility laws in my state?
  • What is the minimum liability in my state?
  • Exactly who is provided coverage by my policy?
  • Am I covered when driving a rental car?
  • What can I do if my company won’t pay a claim?
  • I have a DUI can I still get coverage?
  • Should I buy full coverage?
  • I have health insurance so do I need medical payments coverage?
  • How can I get my company to pay me more for my totalled car?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

What car insurance coverages do you need?

Having a good grasp of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, damage from flooding and hail damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like surgery, chiropractic care, ambulance fees and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Cadillac Fleetwood.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto collision coverage

Collision coverage covers damage to your Fleetwood caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, colliding with a tree, hitting a parking meter, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability coverages

This will cover damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as medical expenses, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Be Smart and Buy Smart

When shopping online for car insurance, you should never reduce needed coverages to save money. There are too many instances where an insured dropped collision coverage only to find out that it was a big mistake. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Drivers leave their current company for many reasons like unfair underwriting practices, denial of a claim, high prices and even delays in paying claims. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.

Lower-priced car insurance can be found from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not offer internet price quotes and most of the time these smaller companies only sell coverage through independent insurance agents.

Additional detailed information can be found by following these links: