1995 Cadillac Brougham Insurance Quotes – 10 Tips for Cheapest Rates

Want cheaper car insurance rates for your Cadillac Brougham? Finding and buying car insurance is not something car owners like to do, but all states require it to legally drive.

It is always a good idea to price shop coverage quite often because insurance rates tend to go up over time. Even if you think you had the best rates on Brougham insurance a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the best ways to properly buy coverages while reducing your premium.

How to Compare Auto Insurance

Effectively comparing auto insurance prices can be a lot of work if you don’t know the easiest way. You could waste time driving to insurance agencies in your area, or you could use the internet to quickly compare rates.

Most of the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and at least one company returns a competitive quote for coverage. This eliminates the need for quote requests to each company. To find out how much you can save on auto insurance click here to start a free quote.

The one downside to doing it this way is you don’t know exactly which providers you want pricing from. So if you want to choose specific insurance companies to compare, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use identical information for every quote you compare. If your comparisons have differing limits it’s not possible to determine the lowest rate for your Cadillac Brougham. Quoting even small variations in insurance coverages can make a big difference in price. Just keep in mind that getting more free quotes gives you a better chance of getting the best offered rates.

There’s no such thing as the perfect policy

When buying coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Can I drive in Mexico and have coverage?
  • Should I get collision insurance on every vehicle?
  • Should I have a commercial auto policy?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Information about specific coverages

Having a good grasp of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability insurance

This can cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as bail bonds, medical expenses, legal defense fees, funeral expenses and loss of income. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for ambulance fees, rehabilitation expenses, X-ray expenses, surgery and doctor visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage

This coverage pays for damage to your Brougham from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage, theft and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.