1993 Cadillac Sixty Special Car Insurance Quotes – 8 Ways to Save

Looking for the cheapest car insurance rates for your Cadillac Sixty Special? Finding affordable car insurance can seem to be difficult for consumers new to shopping for insurance online. Consumers have so many options that it can easily become a real hassle to find lower rates.

It is always a good idea to do rate comparisons on a regular basis because prices change regularly. If you had the best deal on Sixty Special coverage a year ago the chances are good that you can find a lower rate today. So ignore everything you know about car insurance because you’re going to get a crash course in one of the best ways to save money, get proper coverage and the best rates.

The method we recommend to compare car insurance company rates is to know the fact car insurance companies will pay a fee to compare their rates. The only thing you need to do is provide details such as how much coverage you want, if you went to college, whether your vehicle is owned or leased, and how many miles driven. That information gets transmitted to many different companies and you will receive price estimates instantly to find the best rate.

More discounts equal less premium

Insuring your fleet can be pricey, but companies offer discounts to cut the cost considerably. Most are applied when you quote, but a few must be requested specifically in order for you to get them.

  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings of 20% or more.
  • Distant Student – Youth drivers who live away from home and do not have a car can receive lower rates.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Sign Online – Certain companies may give you up to $50 just for signing your application digitally online.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Cadillac could qualify for discounted rates on garaged vehicles.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance from them.

It’s important to note that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But all discounts will reduce your overall premium however.

Companies that possibly offer these money-saving discounts are:

Double check with every prospective company which discounts they offer. Discounts might not be offered in your area.

It’s not one size fits all

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • Is my state a no-fault state?
  • What happens if I owe more than my 1993 Cadillac Sixty Special is worth?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What can I do if my company won’t pay a claim?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my teenager covered with friends in the car?
  • Is my teen driver covered when they drive my company car?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving in Canada or Mexico?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.

Learn about auto insurance coverages for a 1993 Cadillac Sixty Special

Having a good grasp of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1993 Cadillac Sixty Special.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses like rehabilitation expenses, dental work, hospital visits and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, falling objects and hitting a bird. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages – Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, medical expenses, funeral expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your Sixty Special from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, scraping a guard rail, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Shop smart and save

Affordable 1993 Cadillac Sixty Special insurance is possible on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

In this article, we presented a lot of tips how to reduce insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from a smaller regional carrier.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

More detailed car insurance information can be found by following these links: