Lower Your 1994 Cadillac Brougham Insurance Rates

Looking for better auto insurance rates for your Cadillac Brougham? Finding better insurance prices for your Cadillac Brougham can turn out to be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to get price quotes for a Cadillac and find the lowest price.

Finding the best protection is not that difficult. If you are insured now or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. Drivers only need an understanding of the proper methods to find the lowest price online.

How to Compare Auto Insurance Costs

Finding a lower price on 1994 Cadillac Brougham insurance doesn’t have to be difficult. Drivers just need to invest a little time getting comparison quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quotes for every auto insurance company. Taking the time to complete one form compares rates direct from many companies.It’s the quickest way to get rates.
A harder way to get comparison quotes requires visiting each company’s website and request a quote. For sake of this example, we’ll pretend you want rates from USAA, Progressive and Travelers. You would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
The hardest way to compare rates is to waste gas driving to different agent offices. Buying insurance online has reduced the need for local agents unless you require the professional advice only provided by licensed agents. You can, however, get prices online and get advice from an agent in your area and we’ll touch on that later.

However you get your quotes, make darn sure you compare exactly the same coverage information on every quote you get. If you use unequal deductibles or liability limits you can’t possibly truly determine the lowest rate.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if you could use an agent’s help.

Should I rate my 1994 Cadillac Brougham as pleasure use or commute?
Why am I required to get a high-risk car insurance policy?
Do I need PIP (personal injury protection) coverage in my state?
Should I buy only the required minimum liability coverage?
When would I need rental car insurance?
Am I covered when driving a rental car?
How high should my medical payments coverage be?
Are split liability limits better than a combined single limit?
Am I covered if I hit my neighbor’s mailbox?
Is extra glass coverage worth it?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like dental work, rehabilitation expenses, ambulance fees and surgery. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP 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 an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, damage from getting keyed, damage from a tornado or hurricane and falling objects. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Auto collision coverage

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

Collision coverage protects against claims such as hitting a parking meter, driving through your garage door, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as medical expenses, structural damage and medical services. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.