Trying to find cheaper auto insurance rates for your Cadillac Brougham? There isn’t anyone who likes having to buy auto insurance, in particular when they could find lower prices if they just compared rates.
There are many insurance companies to pick from, and although it’s nice to have a selection, too many choices makes it more difficult to find the best rates for your vehicles.
When comparison shopping, there are several ways to compare prices from different insurance companies. By far the easiest way to find competitive 1994 Cadillac Brougham insurance rates is to perform an online rate comparison. It’s really quite simple and can be done using a couple different methods.
Whichever way you use, ensure you’re using apples-to-apples coverage limits and deductibles for every quote you compare. If each company quotes differing limits it will be impossible to decipher which rate is best. Slightly different limits may cause a big price difference. And when price shopping your coverage, comparing a wide range of rates increases your odds of finding the best offered rates.
Some insurers don’t always list every policy discount very well, so the following list contains both well-publicized and the more hidden discounts that you may qualify for.
Consumers should know that most discounts do not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, it’s just not the way it works.
To view insurance companies that offer some of these discounts, click here.
When it comes to choosing coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.
If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Having a good grasp of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Cadillac Brougham.
Because many people 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. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for X-ray expenses, hospital visits, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Liability auto insurance
Liability insurance can cover injuries or damage you cause to people or other property. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against claims like court costs, emergency aid, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.
Comprehensive protection
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as damage from getting keyed, damage from a tornado or hurricane and vandalism. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision protection
This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like sideswiping another vehicle, crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.