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  4. 1993 Model Year

1993 Cadillac Brougham Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 12, 2019

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Nobody likes having to buy auto insurance, particularly when the cost is way too high.

Lots of insurance companies contend for your business, and it can be difficult to compare rates to discover the definitive lowest rate

You should make it a habit to check auto insurance prices once or twice a year since insurance rates change regularly. Even if you think you had the lowest price for Brougham insurance on your last policy a different company probably has better rates today. There is a lot of wrong information about auto insurance online, so we’re going to give you some good information on how to slash your auto insurance rates.

If you have car insurance now, you will most likely be able to cut costs considerably using this information. Buying car insurance is quite easy. Although car owners do need to understand how companies sell insurance online.

How to Get Insurance Coverage Comparison Quotes

All major insurance coverage companies like Allstate and Progressive give pricing directly from their websites. Getting online quotes is pretty painless as you simply type in your personal and coverage information into the quote form. When complete, the company’s rating system gets your driving and credit reports and generates pricing information. This streamlines rate comparisons, but the time it takes to visit different websites and type in the same information is not the best way to spend an afternoon. But it is imperative to perform this step in order to find the best price possible.

The smarter way to find lower prices uses one simple form that obtains quotes from multiple companies. It saves time, reduces the work, and makes price shopping online much easier. Once the form is submitted, it is rated and you are able to buy 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 purchase coverage. It takes less than 15 minutes and you’ll know if lower rates are available.

In order to find out if lower rates are available, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you complete the form with the coverages identical to your current policy. This way, you are getting a fair comparison using the exact same coverages.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be applied when you purchase, but a few need to be asked about in order for you to get them.

  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Brougham insurance than drivers with accidents.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.
  • Low Mileage – Fewer annual miles on your Cadillac could qualify for better rates on cars that stay parked.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.

Companies that possibly offer these benefits may include but are not limited to:

Double check with all companies you are considering which discounts they offer. All car insurance discounts may not be available in your area.

There’s no such thing as the perfect policy

When it comes to buying coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • When can I cancel my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Am I insured when driving a different vehicle?
  • Should I bundle my homeowners policy with my auto?
  • What if I owe more than I can insure my car for?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage options for a 1993 Cadillac Brougham

Having a good grasp of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Liability car insurance

Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as emergency aid, court costs and medical expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Cadillac Brougham.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from 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 pays for things such as damage from flooding, damage from getting keyed, falling objects and fire damage. The maximum amount your insurance company will pay 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.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like EMT expenses, rehabilitation expenses and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays for damage to your Brougham resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

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