1993 Cadillac Brougham Insurance Rates

Are you drained from wondering where the money will come from to pay your insurance coverage bill each month? You are no different than many other consumers.

You have so many insurers to choose from, and though it is a good thing to have a selection, more options can take longer to find the lowest cost provider.

The quickest method to compare rate quotes utilizes the fact almost all companies will pay a fee to give you rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like distance driven, if a SR-22 is required, how old drivers are, and how much school you completed. Those rating factors is then submitted to insurance companies and they respond with quotes quickly.

To check rates for your Cadillac Brougham now, click here and see if a lower rate is available.

Discount auto insurance rates

Some companies don’t always list every policy discount in an easy-to-find place, so we researched both well-publicized and the more hidden credits available to you.

  • Full Payment Discount – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
  • Discounts for Multiple Vehicles – Drivers who insure multiple vehicles with the same auto insurance company could earn a price break for each car.
  • Telematics Devices – Insureds that choose to allow data collection to analyze vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
  • Homeowners Discount – Owning a home can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
  • Good Driver Discounts – Insureds without accidents may receive a discount up to 45% on Brougham insurance than their less cautious counterparts.
  • Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.

Discounts lower rates, but most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Companies that have these money-saving discounts include:

Check with every prospective company the best way to save money. Some of the discounts discussed earlier might not be available to policyholders in your area.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might point out if you may require specific advice.

  • Does insurance cover tools stolen from my truck?
  • Can my teen drive my company car?
  • Which is better, split liability limits or combined limits?
  • Do I pay less if my vehicle is kept in my garage?
  • Does insurance cover damages from a DUI accident?
  • Should I have a commercial auto policy?
  • Am I missing any policy discounts?
  • What is the ISO rating for a 1993 Cadillac Brougham?
  • Does coverage extend to a rental car in a foreign country?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Insurance coverages explained

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 1993 Cadillac Brougham.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, a broken windshield, rock chips in glass and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, pain and suffering and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like doctor visits, X-ray expenses and funeral costs. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, damaging your car on a curb, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.