1991 Cadillac Allante Insurance Quotes – 8 Tricks for Cheapest Rates

Nobody I know looks forward to buying auto insurance, especially when the cost is too high.

Numerous car insurance companies battle to insure your vehicles, so it can be very hard to choose a company and uncover the absolute lowest cost out there.

You should make it a habit to get comparison quotes quite often since insurance rates are adjusted regularly by insurance companies. Just because you found the best rates on Allante insurance a couple years back you can probably find a better price now. So just forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the quickest ways to find lower rates on auto insurance.

Compare Quotes for Insurance

Performing a rate comparison can take time and effort if you aren’t aware of the best way to get rate quotes. You can waste hours driving to insurance companies in your area, or you could save time and use online quoting to maximize your effort.

Many insurance companies participate in a marketplace that allows shoppers to submit one quote, and each company then gives them pricing determined by their information. This prevents consumers from doing repetitive form submissions to each company.

To submit your quote information now, click to open in new window.

The single downside to using this type of form is you can’t choose which providers you want to price. If you prefer to choose individual companies to request quotes from, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverage limits and deductibles for each price quote. If each company quotes different values for each quote it will be very difficult to find the best deal for your Cadillac Allante. Slightly different insurance coverages can result in a big premium difference. And when comparing insurance rates, know that obtaining a wide range of quotes helps you find better pricing.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help offset the cost. Some trigger automatically when you quote, but less common discounts must be requested specifically before you will receive the discount.

Multiple Cars – Having all your vehicles with the same company qualifies for this discount.
One Accident Forgiven – A few companies allow you one accident before your rates go up if you are claim-free for a set time period.
New Car Discount – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
E-sign – A few companies will give a small break just for signing your application online.
Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
Claim Free – Good drivers with no accidents pay much less compared to frequent claim filers.
Driver Safety – Taking a course in driver safety can save you 5% or more depending on where you live.

It’s important to note that most credits do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.

For a list of insurers with the best insurance coverage discounts, click here to view.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether or not you will benefit from professional help.

Should I put collision coverage on all my vehicles?
Does my 1991 Cadillac Allante need full coverage?
Can my teen driver be rated on a liability-only vehicle?
Which companies will insure high-risk drivers?
Can I get a multi-policy discount?
Does my insurance cover a custom paint job?
Does my insurance cover damage caused when ticketed for reckless driving?
Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance 101

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Auto collision coverage

Collision coverage will pay to fix damage to your Allante resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, hitting a bird, vandalism and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, chiropractic care, dental work and rehabilitation expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

This provides protection from damage that occurs to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like attorney fees, funeral expenses, loss of income, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.