1995 Cadillac Brougham Insurance Cost – 8 Ways to Save

Want cheaper insurance rates for your Cadillac Brougham? No one in their right mind likes paying for insurance, especially knowing they are paying too much. Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurance company to get the best rate

Consumers should take time to compare rates periodically due to the fact that insurance rates change frequently. Just because you found the best deal on Brougham insurance six months ago you may be paying too much now. Starting now, ignore everything you know about insurance because you’re about to learn the things you must know in order to find lower rates on insurance.

Compare Insurance Today

Most companies such as State Farm, Allstate and Geico quote pricing online. The process is quite easy as you simply enter the coverage amounts you desire into the quote form. After you submit the form the system automatically retrieves your credit score and driving record and returns pricing information. This makes comparing rates easy, but the time it takes to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes in order to find better insurance pricing.

The preferred way to locate the lowest prices requires only one form to obtain quotes from a bunch of companies at once. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much easier to do. Immediately after submitting the form, it gets priced and you can select any one of the quotes returned.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. This process just takes a couple of minutes and may save quite a bit of money.

To find out how much you can save on insurance, click here to open in new window and fill out the form. If you currently have coverage, we recommend you complete the form with your coverages identical to your current policy. This ensures you will be getting rate quotes for exact coverage.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • When should I buy a commercial auto policy?
  • When would I need rental car insurance?
  • Am I getting all the discounts available?
  • Can I drive in Mexico and have coverage?
  • Which is better, split liability limits or combined limits?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need motorclub coverage?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Specific coverage details

Having a good grasp of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, falling objects, a broken windshield, hitting a bird and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like ambulance fees, nursing services and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1995 Cadillac Brougham.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage – Collision insurance pays for damage to your Brougham caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, crashing into a ditch, backing into a parked car, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability insurance – Liability coverage provides protection from damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.