1991 Cadillac Brougham Insurance Rates – 10 Tips for Best Quotes

Drivers have many options when trying to find low-cost Cadillac Brougham insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to compare rates. There is a better way to find auto insurance online and you need to know the quickest way to price shop coverage on a Cadillac and obtain the lowest price from local insurance agents and online providers.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these methods. Vehicle owners only need an understanding of the tricks to shop on the web.

The best way to compare rate quotes utilizes the fact most larger insurance companies allow for online access to give free rates quotes. To get started, all you need to do is provide details including if you require a SR-22, what your job is, level of coverage desired, and your education level. That information is sent automatically to insurance companies and they provide comparison quotes with very little delay.

Can you really save $413 a year?

Consumers get pounded daily by advertisements for the lowest price auto insurance by Allstate and Progressive. All the companies make the same claim that you can save if you change to their company.

How can each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the driver they prefer to insure. For example, a driver they prefer could possibly be over the age of 40, insures multiple vehicles, and has a short commute. Any new insured who matches those parameters will get very good rates and therefore will save quite a bit of money when switching.

Potential customers who don’t meet the requirements will have to pay higher premiums and ends up with business not being written. The ads say “people who switch” not “people who quote” save that much money. This is how companies can truthfully make those claims. Because of the profiling, it is so important to compare many company’s rates. It’s impossible to know which insurance coverage company will fit your personal profile best.

Do you qualify for a discount?

Car insurance companies do not advertise all available discounts in a way that’s easy to find, so we researched both well-publicized as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Distant Student – Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Brougham insurance than drivers with accident claims.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Clubs and Organizations – Affiliation with a civic or occupational organization is a good way to get lower rates when shopping for car insurance on Brougham insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • No Charge for an Accident – A few companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.

It’s important to understand that some credits don’t apply to the entire cost. Most cut individual premiums such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

A partial list of companies who might offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Discounts may not be available in your area.

What coverages do I need?

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

  • Which companies will insure high-risk drivers?
  • What can I do if my company won’t pay a claim?
  • Can I afford low physical damage deductibles?
  • Is motorclub coverage worth it?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy additional glass protection?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Parts of your car insurance policy

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1991 Cadillac Brougham.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as funeral expenses, pain and suffering and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, hitting a deer and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

Collision coverage covers damage to your Brougham caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like ambulance fees, dental work, chiropractic care and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Be a money saver!

Insureds switch companies for a number of reasons such as unfair underwriting practices, denial of a claim, extreme rates for teen drivers or high rates after DUI convictions. It doesn’t matter what your reason, finding a new insurance company is pretty easy and you might even save some money in the process.

Cheaper 1991 Cadillac Brougham insurance can be bought both online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

We just presented many ways to lower your insurance rates. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers could even find that the most savings is with some of the smallest insurance companies.

More detailed insurance information is located in the articles below: