1996 Cadillac Eldorado Insurance Quotes – 10 Tips for Cheaper Rates

Trying to find better auto insurance rates for your Cadillac Eldorado? Overpriced Cadillac Eldorado insurance can take a big chunk out of your savings account and put the squeeze on your family’s finances. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

You have multiple car insurance companies to pick from, and although it’s a good thing to have a choice, it can be more difficult to get the best deal.

Discounts on Cadillac Eldorado insurance

Companies don’t list every available discount very well, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using.

  • Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of more than 20%.
  • Resident Student – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of approximately 10% to 15%.
  • Driver Safety – Completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Senior Discount – Older drivers may receive better car insurance rates for Eldorado coverage.
  • Drivers Education – Require your teen driver to take driver’s ed class in high school.
  • Memberships – Participating in a qualifying organization could qualify you for a break on your policy for Eldorado coverage.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Paperless Signup – A handful of insurance companies may give you up to $50 just for signing your application over the internet.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.

Consumers should know that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free car insurance policy, companies wouldn’t make money that way.

A partial list of companies that possibly offer some of the above discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Some discounts may not apply in your area.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. For example, these questions may help highlight whether you will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • Am I covered when delivering products for my home-based business?
  • What happens if I owe more than my 1996 Cadillac Eldorado is worth?
  • Are split liability limits better than a combined single limit?
  • Is my nanny covered when driving my vehicle?
  • How does medical payments coverage work?
  • Should I bundle my homeowners policy with my auto?
  • Is my custom paint covered by insurance?
  • Is my 1996 Cadillac Eldorado covered for flood damage?
  • Can I afford to buy a different vehicle if my 1996 Cadillac Eldorado is totaled?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, hitting a deer, fire damage, hail damage and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as bail bonds, pain and suffering and court costs. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 1996 Cadillac Eldorado.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, doctor visits and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage will pay to fix damage to your Eldorado caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Be a money saver!

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured dropped comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

We’ve covered many tips how you can reduce 1996 Cadillac Eldorado insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may even discover the lowest premiums are with a smaller regional carrier. These companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

Low-cost insurance can be sourced both online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance providers may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

More tips and info about insurance coverage is located in these articles: