Save on 1994 Cadillac Brougham Insurance Rates

Want the cheapest car insurance rates for your Cadillac Brougham? Are you sick and tired of scraping nickels together to keep your car insured? You have the same problem as millions of other people.

Many car insurance companies vie for your insurance dollar, and it can be difficult to compare rates to find the absolute best rates possible.

How to shop insurance coverage online

The are a couple different ways to compare quotes from different insurance companies. The quickest method to lower the rate you pay for 1994 Cadillac Brougham insurance is to get quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

• If you are pressed for time, the simplest way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do multiple quote forms for every prospective company. A single, simple form will return quotes from all major companies.
• A harder way to find lower rates is going to each company’s website to complete a price quote. For example, we’ll pretend you want to view quotes from Geico, Liberty Mutual and Travelers. You would be required to go to each individual site to enter the same coverage data repeatedly, which is why first method is reommended.

  To view a list of companies in your area, click here.

• The least efficient way to find and compare rates is actually driving to insurance agencies in your area. The ability to buy insurance online eliminates this option unless you want the professional guidance of a licensed agent. Some companies do allow you to compare online quotes but have a local agent actually write the policy.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage limits with every price quote. If your comparisons have different data it will be impossible to make a fair comparison for your Cadillac Brougham. Slightly different limits can result in a big premium difference. Keep in mind that comparing a large number of companies helps increase your odds of locating the best rates. Some insurance companies are not set up to provide online price quotes, so you need to compare quotes from them, too.

Save 15 percent in 15 minutes? Is it for real?

Big name companies like State Farm, Allstate and Geico seem to constantly run television and radio advertisements. All the companies state the claim that you’ll save big just by switching your insurance coverage policy to them. How does each company charge less that you’re paying now? It’s all in how they say it.

Insurance coverage companies have specific guidelines for the driver that will add to their bottom line. A good example of a driver they prefer may need to be between the ages of 30 and 50, carries full coverage, and drives newer vehicles. Anyone who fits those characteristics receives the best car insurance rates and is almost guaranteed to save quite a bit of money when switching.

Insureds who do not fit those criteria will have to pay a higher rate and this can result in business going elsewhere. The ads say “people who switch” not “all people who quote” can get the lowest rates when switching. This is how companies can truthfully lure you into getting a quote. This really illustrates why it is so important to compare free insurance quotes often. It’s just too difficult to predict which company will have the best premium rates at this point in time.

Cheaper insurance rates with discounts

Insurance is not inexpensive, but you might be missing out on some discounts that you may not even be aware of. Certain credits will be shown at the time of purchase, but a few must be asked about before you will receive the discount.

• Pay Early and Save – By making one initial payment rather than paying in monthly installments you could save 5% or more.
• No Charge for an Accident – This one is not really a discount per se, but companies like Liberty Mutual and Geico will allow you to have one accident without the usual rate increase so long as you are claim-free prior to the accident.
• Data Collection Discounts – Drivers who elect to allow their insurance company to analyze driving patterns remotely such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as they are good drivers.
• Anti-lock Brake System – Vehicles with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Driver’s Ed – It’s a good idea to have your young drivers enroll and complete driver’s education in school or through a local driver safety program.
• Discounts for Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates on Brougham insurance than less cautious drivers.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
• Claim-Free Discount – Claim-free drivers get the best insurance rates as opposed to drivers with a long claim history.
• Sign Online – A few companies will give you a small discount simply for signing over the internet.
• Own a Home and Save – Simply owning a home can save a few bucks since home ownership demonstrates responsibility.

Please keep in mind that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

For a list of insurers who offer insurance discounts, follow this link.

Tailor your insurance coverage to you

When buying coverage, there is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you would benefit from professional advice.

• Can I drive in Mexico and have coverage?
• Does my car insurance cover rental cars?
• Do I have coverage if my license is suspended?
• How much underlying liability do I need for an umbrella policy?
• How much liability coverage do I need in my state?
• Can I still get insurance after a DUI?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Coverages available on your policy

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, vandalism and falling objects. The most 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.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for surgery, EMT expenses, hospital visits and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. It does not cover 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 liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like emergency aid, legal defense fees and structural damage. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac Brougham.

Due to the fact that 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 important protection for you and your family.

Collision insurance

Collision coverage covers damage to your Brougham resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

In the end, you save

When searching for cheaper insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Some companies do not offer rates over the internet and many times these smaller companies provide coverage only through independent agencies. Low-cost 1994 Cadillac Brougham insurance is possible both online in addition to many insurance agents, so you need to compare both in order to have the best price selection to choose from.

Much more information about insurance is located at these links:

• Liability Insurance Coverage (Nationwide)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)