How Much Does 1996 Cadillac Fleetwood Insurance Cost?

Looking for better auto insurance rates? Shoppers have lots of choices when shopping for affordable Cadillac Fleetwood insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to make rate comparisons. There are both good and bad ways to shop for auto insurance and we’ll show you the best way to get price quotes for a new or used Cadillac and locate the best price possible either online or from local insurance agents.

It’s a good habit to take a look at other company’s rates on a regular basis since insurance rates go up and down regularly. Even if you think you had the best rates for Fleetwood coverage two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you’re about to find out the right way to find better coverage at a better price.

Buying car insurance is not that difficult. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Drivers just need to learn how to get comparison quotes over the internet.

Auto Insurance Prices

There are a variety of methods to compare 1996 Cadillac Fleetwood auto insurance prices but one way is more efficient than others. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

Most car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each participating company can give them a price for coverage. This eliminates the need for quotation requests for each company you want a rate for.

To use this form to compare 1996 Cadillac Fleetwood insurance rates click here to open in new window.

One minor caviat to doing it this way is that consumers can’t choose the insurers to get quotes from. So if you prefer to choose specific insurance companies for rate comparison, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare identical coverage information with every price quote. If the quotes have different limits and deductibles on each one it will be very difficult to make an equal comparison.

Insurance agents can help

When choosing the best insurance coverage coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions may help you determine whether or not you may require specific advice.

  • How can I find cheaper teen driver insurance?
  • Is my trailer covered?
  • Does having multiple vehicles earn me a discount?
  • Which companies will insure high-risk drivers?
  • Is my Cadillac Fleetwood covered if I use it for business?
  • What is the minimum liability in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Is a blown tire covered by insurance?
  • What are the best liability limits?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Car insurance 101

Knowing the specifics of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as pain and suffering, structural damage, legal defense fees, medical services and court costs. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, theft, hail damage, rock chips in glass and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

This covers damage to your Fleetwood resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like prosthetic devices, X-ray expenses, funeral costs, nursing services and pain medications. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Cadillac Fleetwood.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.