Consumers Discover How to Pay Less for Cadillac Fleetwood Insurance

Trying to find low-cost insurance for a Cadillac Fleetwood could be a painful process, but you can use a few tricks to make it easier.

There is a better way to buy auto insurance and you need to know the absolute fastest way to compare rates for a new or used Cadillac and get the lowest price from local insurance agents and online providers.

You need to shop coverage around periodically because prices change frequently. If you had the lowest price for Fleetwood coverage last year you can probably find a lower rate today. You can find a lot of wrong information about auto insurance online, so I’m going to show you the best ways to stop overpaying for insurance.

Pricing the cheapest auto insurance coverage can be fairly easy. In a nutshell, anyone who is shopping for auto insurance will more than likely be able to save money. Although drivers benefit from understanding the way insurance companies determine prices.

How to Compare Auto Insurance Quotes

Comparing auto insurance rates can be exhausting if you aren’t aware of the most efficient way. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use the internet to get rates in a matter of minutes.

Most major companies belong to an insurance system that allows shoppers to send in one quote, and at least one company then gives them pricing based on the submitted data. This system prevents you from having to do quote requests to each company.

To compare pricing click to open in new window.

One minor caviat to doing it this way is that consumers can’t choose the insurers you want to price. So if you prefer to choose specific providers to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

However you get your quotes, make darn sure you compare apples-to-apples coverage limits for every quote you compare. If you have higher or lower deductibles then you won’t be able to make a fair comparison for your Cadillac Fleetwood. Having just a slight variation in insurance coverages may result in a large different in cost. And when comparison shopping, comparing a large number of companies gives you a better chance of getting a better price.

Save big with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but some must be manually applied prior to getting the savings.

Auto/Home Discount – If you have multiple policies with one company you may save at least 10% off all policies.
Fewer Miles Equal More Savings – Driving fewer miles could qualify for a substantially lower rate.
Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
Homeowners Discount – Owning a home may trigger a auto insurance policy discount because owning a home shows financial diligence.
Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
Paperless Signup – A handful of insurance companies may give you up to $50 simply for signing on their website.
Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.

Keep in mind that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will bring down the cost of coverage.

To choose insurers who offer auto insurance discounts, follow this link.

Cadillac Fleetwood insurance rates can be determined by these details

It’s important that you understand the different types of things that play a part in calculating the price you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Choose a safe vehicle and save – Safer cars are cheaper to insure. The safest vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If the Cadillac Fleetwood is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Where you live can impact rates – Residing in less populated areas can be a good thing when insuring your vehicles. Urban drivers have much more traffic and longer commute times. Lower population means a lower chance of having an accident.
Your spouse saves you money – Having a spouse actually saves money when buying auto insurance. Having a significant other is viewed as being more mature and responsible and it’s statistically proven that married couples file fewer claims.
Traffic violations increase rates – Even a single moving violation can bump up the cost by twenty percent. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers who get serious violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
More claims means more premium – Insurance companies provide cheaper rates to policyholders who are claim-free. If you file claims often, you can expect either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
High credit ratings translate to low rates – A driver’s credit rating is a big factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit scores. So if your credit can use some improvement, you could save money insuring your Cadillac Fleetwood by repairing your credit.
Special features that cut premiums – Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.

What about using a local agent?

Some consumers just want to talk to a local agent and that is OK! One of the great benefits of price shopping on the web is the fact that you can find lower rates but still work with a licensed agent. Supporting local agencies is important particularly in small towns and cities.

To make it easy to find an agent, after completing this simple form, the coverage information is emailed to insurance agents who will battle for your coverage. You don’t have to even leave your home because quoted prices will be sent immediately to your email address. How cool is that?! Get lower rates and a licensed agent to work with.

Insurance agent types

When researching a good insurance agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies are either independent or captive.

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When shopping rates, you should always include at least one independent agent to get the best comparison. Most have the option of insuring with different regional companies which can save you money.

Captive Agents

These agents have only one company to place business with like State Farm, AAA and Liberty Mutual. Captives cannot give you multiple price quotes so keep that in mind. These agents are trained well in insurance sales which can be an advantage. Consumers sometimes purchase coverage from captives primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.

To view a full list of agencies, visit this page.

Deciding on an insurance agency should depend on more than just a low price. These questions are important to ask:

Do they receive special compensation for putting your coverage with one company over another?
Is vehicle damage repaired with OEM or aftermarket parts?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Do they regularly work with personal auto policies?
How much can you save by raising your physical damage deductibles?
Is vehicle mileage a factor when determining depreciation for repairs?
Who is covered by the car insurance policy?
Do they feel the quoted coverages are adequate?

After getting positive feedback to your questions as well as a affordable price, you have narrowed it down to an auto insurance agent that meets your needs to properly service your auto insurance policy.

Auto insurance ads bend the truth

Allstate and Progressive constantly bombard you with ads in print and on television. All the companies make the same claim that you can save if you switch to them. How does each company say the same thing?

Insurance companies can use profiling for the driver that is profitable for them. A good example of a profitable customer could be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will get very good rates and most likely will save when switching.

Potential customers who don’t meet the “perfect” profile will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much money. This is how companies can truthfully make the claims of big savings.

Because of the profiling, you should quote coverage with many companies. You cannot predict which auto insurance company will fit your personal profile best.

More quotes mean more savings

Budget-conscious Cadillac Fleetwood insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

People change insurance companies for a variety of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, delays in responding to claim requests or even high prices. No matter why you want to switch, finding a new company is not as hard as you think.

We’ve covered quite a bit of information on how to get a better price on Cadillac Fleetwood insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the most savings is with a small mutual company.