Cheap 2003 Cadillac Escalade Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Cadillac Escalade? Sick and tired of not being able to afford to buy car insurance? You are in the same boat as the majority of other car owners.

Having so many companies to choose from, it’s difficult to pick the most affordable insurer.

This article will help educate you on the best way to quote coverages and some tricks to saving. If you currently have car insurance, you should be able to cut costs considerably using these methods. Nevertheless, car owners do need to know the way insurance companies sell online because it can help you find the best coverage.

Compare the Market for Auto Insurance

There are several ways you can shop for Cadillac Escalade auto insurance but one way is easier and takes less work. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Many popular insurance companies belong to an insurance system where prospective buyers complete one form, and each company provides a quote based on that information. This eliminates the need for quote forms for each company.

To find out what other companies charge for 2003 Cadillac Escalade insurance click here (opens in new window).

One minor caviat to comparing rates this way is buyers cannot specifically choose which companies to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a page of low cost auto insurance companies in your area. Click to view list.

However you get your quotes, be sure to compare exactly the same coverage limits and deductibles for each price quote. If you compare different values for each quote you will not be able to determine the lowest rate for your Cadillac Escalade. Just a small difference in coverages can mean a large discrepancy in price. And when comparison shopping, having more price comparisons will enable you to find lower pricing.

Save with discounts on Cadillac Escalade insurance

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Most are applied at the time you complete a quote, but a few need to be specifically requested before they will apply.

• Homeowners Savings – Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
• Military Discounts – Being on active duty in the military may qualify for rate reductions.
• Air Bag Discount – Cars that have air bags can get savings of up to 25% or more.
• Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
• No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a certain period of time.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of insurers with the best car insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help highlight if you could use an agent’s help.

• Can I afford to buy a different vehicle if my 2003 Cadillac Escalade is totaled?
• How do I file an SR-22 for a DUI in my state?
• Does having multiple vehicles earn me a discount?
• Do I have coverage when using my vehicle for my home business?
• Is extra glass coverage worth it?
• How can I get high-risk coverage after a DUI?
• What if I don’t agree with a claim settlement offer?
• If my pet gets injured in an accident are they covered?
• Should I file a claim if it’s only slightly more than my deductible?
• When should I remove comp and collision on my 2003 Cadillac Escalade?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Insurance coverage considerations

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2003 Cadillac Escalade.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as ambulance fees, funeral costs and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Liability – Liability coverage provides protection from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, bail bonds and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, a broken windshield, hitting a bird and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.