Want better car insurance rates for your Cadillac Brougham? Trying to find better insurance prices for a Cadillac Brougham could be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for car insurance and you need to know the proper way to get price quotes for a new or used Cadillac and get the lowest price.
Smart consumers take time to get comparison quotes on a regular basis because car insurance prices fluctuate regularly. Even if you think you had the lowest rates for Brougham coverage a year ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re going to get a crash course in the fastest way to save money, get proper coverage and the best rates.
Many insurance companies like State Farm, Geico and Progressive make it easy to get insurance quotes direct online. Getting quotes is quite simple as you just enter the amount of coverage you want into a form. After the form is submitted, their quoting system requests information on your driving record and credit history and generates a price determined by many factors.
Online quotes helps simplify price comparisons, but the time it takes to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you want to get the lowest insurance coverage rates.
There is an easier way!
The smarter way to compare rates makes use of a single form that gets price quotes from many companies. This type of form saves time, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can choose your choice of the quote results. If you find a better price you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and may result in a nice savings.
In order to use this form to compare rates, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you type in the coverage information as shown on your current policy. Doing this assures you will be getting an apples-to-apples comparison for similar insurance coverage.
Car insurance is not cheap, but there may be some discounts that you may not even be aware of. A few discounts will be applied when you purchase, but some may not be applied and must be requested specifically before you get the savings.
Keep in mind that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, that’s just not realistic.
If you would like to choose from a list of insurers with discount insurance rates, click this link.
When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.
These are some specific questions may help highlight if your situation could use an agent’s help.
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.
Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as EMT expenses, nursing services and chiropractic care. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Cadillac Brougham.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like damage from getting keyed, theft, a tree branch falling on your vehicle and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability car insurance
This coverage protects you from damage that occurs to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is up to you, but buy as large an amount as possible.
Collision coverage protection
This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like damaging your car on a curb, rolling your car and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.
Went with Western Auto Insurance for my Cadillac and cut my rates about $110 a year. Have a couple speeding tickets too. Online quotes are the way to go.
Not sure if this is cheap. From a town just southwest of Lexington, KY. Got car insurance quotes with Progressive, AIG Insurance, and Erie for my Brougham and I’m now saving $17 a month. Was with The General. I have kids on my policy, too.
I’m in the suburbs of Kansas City, Kansas. Quoted rates from Liberty Mutual, American Family, MetLife, and a couple others for my Brougham and I think I am saving around $20 each month. I used their online quote form to compare rates.
State Farm quoted the best rates in Florida.
Anyone know if Allstate does SR-22s?
Lifelong resident of Columbus, OH. Went online for free insurance quotes for a 1995 Cadillac Brougham. Ended up at about $70 savings annually. Went with State Farm. It’s easy to compare rates online now. I don’t have comp or collision coverage.
If you have a good history and live around Warwick, RI, check out 21st Century. You might save some money. Ask about discounts. I only have liability coverage on it.
Quoted with Mercury for my Brougham and saved about $110 a year. Left Safeco to switch. I got prices on the web.
I live just outside Norfolk, VA. Don’t remember every company but I ended up saving about $10 each month. I get a discount for insuring multiple vehicles. Anyone else drop full coverage?
Mine is so expensive. I’m in the south part of Nashville, TN. Got car insurance quotes from The General, American Family, Mercury, and a couple others for my Brougham and saved $89 a year. I’m a pretty good driver though. Just waiting to see how claims go. When should I drop full coverage?
Lots of good stuff here. I live just outside San Diego, California. I don’t recall every quote but I ended up saving about $30 each month. Insured with Amica before. It’s still not cheap enough.