1993 Cadillac Sixty Special Car Insurance Quotes – 7 Savings Tips

Want better insurance rates? Drivers have options when trying to find the best price on Cadillac Sixty Special insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to get rate quotes.

There are both good and bad ways to compare insurance rates and you need to know the best way to get price quotes for a Cadillac and get the best price possible either online or from local insurance agents.

The purpose of this article is to familiarize you with how car insurance quotes work and some money-saving tips. If you currently have car insurance, you will be able to lower your premiums substantially using these methods. Consumers only need an understanding of the proper methods to shop for insurance coverage online.

The quickest way to compare rate quotes takes advantage of the fact auto insurance companies pay for the opportunity to provide you with free rate quotes. To start a quote, the only thing you need to do is give them rating details such as if you lease or own, your education level, if you are currently licensed, and distance driven. Your rating data gets transmitted to multiple car insurance providers and you should receive rate quotes quickly.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate, Geico and Progressive. All the ads say the same thing about savings if you switch your policy.

How does each company claim to save you money?

All the different companies have a preferred profile for the driver they prefer to insure. A good example of a driver they prefer might be a mature driver, has no tickets, and has excellent credit. Any driver who matches those parameters will get very good rates and therefore will save when switching.

Potential customers who are not a match for this ideal profile will have to pay higher rates and this can result in business not being written. Company advertisements say “people who switch” not “people who quote” save that much. This is how insurance companies can confidently claim big savings.

Because of the profiling, drivers should get as many quotes as possible. It’s impossible to know which insurance companies will fit your personal profile best.

Pay less by taking advantage of these seven discounts

The cost of insuring your cars can be expensive, but you may find discounts that many people don’t even know exist. Some trigger automatically at quote time, but some may not be applied and must be inquired about before being credited. If you don’t get every credit available, you’re paying more than you need to.

  • Government Employees – Employees or retirees of the government can save as much as 8% for Sixty Special insurance with certain companies.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy online.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Clubs and Organizations – Belonging to a professional or civic organization could qualify you for a break on insurance coverage for Sixty Special insurance.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance from them.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.

To see a list of insurers with the best insurance coverage discounts, follow this link.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • Does coverage extend to Mexico or Canada?
  • What is roadside assistance coverage?
  • Is my state a no-fault state?
  • Is my custom paint covered by insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my 1993 Cadillac Sixty Special covered for smoke damage?
  • Does my 1993 Cadillac Sixty Special need full coverage?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

The coverage is in the details

Having a good grasp of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision protection

This coverage will pay to fix damage to your Sixty Special resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac Sixty Special.

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 is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Liability coverage

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical expenses, pain and suffering and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses like hospital visits, surgery and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Smart shoppers get results

Insureds who switch companies do it for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, policy cancellation or high prices. No matter why you want to switch, switching auto insurance companies is pretty easy and you might even save some money in the process.

Lower-priced 1993 Cadillac Sixty Special insurance is available online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

In this article, we covered quite a bit of information on how to lower your insurance rates. It’s most important to understand that the more quotes you get, the better your comparison will be. You may be surprised to find that the most savings is with some of the lesser-known companies.

Additional auto insurance information can be found on the following sites: