1996 Cadillac Brougham Car Insurance Quotes – 8 Tips to Save

Looking for lower insurance coverage rates for your Cadillac Brougham? Finding low-cost insurance for a Cadillac Brougham can be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are both good and bad ways to find insurance coverage online and we’ll show you the proper way to compare rates for your Cadillac and get the lowest possible price either online or from local insurance agents.

You should make it a habit to do rate comparisons occasionally because prices change regularly. Even if you think you had the lowest price for Brougham coverage a few years ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re about to learn the fastest way to properly buy coverages and cut your premium.

If you have a current auto insurance policy or need new coverage, you will benefit by learning to get lower rates while maximizing coverage. Buying the cheapest protection is simple if you know the tricks. Vehicle owners only need to know how to compare prices on the web.

Buy insurance coverage online

Comparing insurance coverage rates can be challenging if you don’t know the best way to get rate quotes. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many popular insurance companies belong to a marketplace that enables customers to enter their policy data once, and every company can give them a price. This eliminates the need for quote requests to each individual insurance coverage company.

To compare pricing click here to open in new window.

The one downside to doing it this way is you cannot specify which insurance companies you will receive quotes from. So if you want to choose from a list of companies to compare, we have a listing of insurance coverage companies in your area. View list of insurance companies.

However you get your quotes, do your best to enter apples-to-apples coverage data for each quote you get. If your comparisons have different liability limits it will be impossible to determine the lowest rate for your Cadillac Brougham.

Eight discounts for affordable insurance rates

Insurance can be pricey, but discounts can save money and there are some available that you may not know about. Certain credits will be shown when you purchase, but some must be asked about before you will receive the discount. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • College Student – Youth drivers living away from home attending college and leave their car at home could get you a discount.
  • Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education as it can save substantially.
  • Low Mileage – Maintaining low annual mileage may allow you to get better prices on cars that stay parked.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Brougham coverage with certain companies.
  • Multi-Vehicle Discounts – Buying coverage for more than one vehicle on the same insurance policy qualifies for this discount.
  • Telematics Data – Drivers that enable companies to monitor vehicle usage by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they have good driving habits.
  • Cautious Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their insurance quote for Brougham coverage than their less cautious counterparts.
  • Seat Belt Discounts – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.

A little note about advertised discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce the amount you have to pay.

Auto insurance companies that may offer these benefits include:

Double check with each company or agent which discounts you qualify for. Some credits may not be offered in your area. To find providers with the best discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

  • Will my rates increase for filing one claim?
  • Where can I get insurance after a DUI in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when pulling a rental trailer?
  • Does my 1996 Cadillac Brougham qualify for pleasure use?
  • Is my Cadillac Brougham covered if I use it for business?
  • Can my babysitter drive my car?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, a broken windshield, damage from a tornado or hurricane and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and 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. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like doctor visits, rehabilitation expenses, surgery, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

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

Collision can pay for things like rolling your car, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like loss of income, legal defense fees, funeral expenses, emergency aid and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

And the best car insurance company is…

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where consumers will sacrifice collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage for the lowest price and still be able to protect your assets.

Insureds change insurance companies for any number of reasons including questionable increases in premium, lack of trust in their agent, policy cancellation or an unsatisfactory settlement offer. Whatever your reason, choosing a new company can be pretty painless.

The cheapest 1996 Cadillac Brougham insurance can be purchased on the web and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not have online price quotes and many times these smaller companies only sell coverage through local independent agents.

More detailed auto insurance information can be read at these sites: