1991 Cadillac Eldorado Car Insurance Rates – 10 Ideas for Cheaper Quotes

Searching for better car insurance rates for your Cadillac Eldorado? Being forced to pay for high-priced car insurance premiums can stress out your personal savings and make it tough to pay other bills. There is such a variety of insurance companies to pick from, and though it is a good thing to have a selection, more choices can make it harder to locate the cheapest rates.

How to buy auto insurance online

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the easiest way. You can waste hours talking about coverages with agents in your area, or you can utilize online quotes to get the quickest rates.

Many of the larger companies belong to a marketplace where prospective buyers submit one quote, and every company returns a rated price based on that data. This eliminates the need for repetitive form submissions for each company.

To find out how much you can save on auto insurance click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can’t choose which carriers to receive prices from. So if you want to select from a list of companies for rate comparison, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just do your best to use identical deductibles and coverage limits on every quote you get. If you have higher or lower deductibles you can’t possibly determine the best price for your Cadillac Eldorado.

Find hidden discounts on insurance coverage

Some insurance providers don’t necessarily list the entire discount list in a way that’s easy to find, so here is a list both well-publicized as well as the least known credits available to you.

• Discounts for New Vehicles – Insuring a new car can be considerably cheaper due to better safety requirements for new vehicles.
• Military Discounts – Being deployed with a military unit could qualify you for better insurance coverage rates.
• College Student Discount – Youth drivers living away from home attending college and do not take a car to college may be insured at a cheaper rate.
• Multiple Cars – Purchasing coverage when you have multiple cars on one policy can get a discount for every vehicle.
• Accident Waiver – but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance in addition to your auto policy.
• Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
• Driver Education Discount – Teen drivers should successfully complete driver’s ed class in high school.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Discount for Swiching Early – Some larger companies provide a discount for switching policies before your current expiration date. You may see this discount when you get auto insurance quotes online.

Don’t be shocked that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

Companies and a partial list of their discounts include:

• 21st Century policyholders can earn discounts including student driver, automatic seat belts, anti-lock brakes, early bird, air bags, and theft prevention.
• State Farm may include discounts for safe vehicle, passive restraint, defensive driving training, student away at school, anti-theft, and good driver.
• AAA includes discounts for anti-theft, AAA membership discount, multi-policy, good driver, education and occupation, and multi-car.
• Liberty Mutual may have discounts that include new vehicle discount, newly married, preferred payment discount, teen driver discount, and newly retired.
• Progressive discounts include multi-policy, good student, homeowner, online quote discount, and online signing.

Before buying, ask all the companies which credits you are entitled to. Some discounts listed above might not be available to policyholders in your area. If you would like to view providers that offer discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

• Does my insurance cover my expensive audio equipment?
• Am I insured when driving a different vehicle?
• Does my liability insurance cover pulling a trailer or camper?
• Should I have a commercial auto policy?
• Can I afford to pay high deductible claims out of pocket?
• Should I put collision coverage on all my vehicles?
• What if I owe more than I can insure my car for?
• If my 1991 Cadillac Eldorado is totaled, can I afford another vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Auto insurance policy specifics

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills like surgery, prosthetic devices and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

This will cover damages or injuries you inflict on people or other property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to 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.

Liability insurance covers things such as medical services, structural damage, repair costs for stationary objects, emergency aid and court costs. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

This will pay to fix damage to your Eldorado from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, rolling your car, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, falling objects, fire damage and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

A fool and his money are soon parted

We’ve covered many tips how you can shop for 1991 Cadillac Eldorado insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the best price on insurance is with the smaller companies. These companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

Lower-priced insurance can be found both online in addition to many insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who may not offer the ability to get quotes online and many times these regional carriers prefer to sell through independent agents.

More tips and info about insurance is located in the articles below:

• Learn About Car Insurance (Geico)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)