Compare 2004 Cadillac Escalade EXT Insurance Rates

Shoppers have options when shopping for the best price on Cadillac Escalade EXT insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to get rate quotes.

There is a better way to find insurance coverage online and we’ll show you the quickest way to price shop coverage for a Cadillac and get the lowest possible price from local insurance agents and online providers.

The purpose of this article is to familiarize you with how to get online quotes. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these tips. Consumers just need to understand the most efficient way to find the lowest price over the internet.

Free Insurance Quotes

Reducing your 2004 Cadillac Escalade EXT insurance rates is surprisingly easy. The only requirement is to take the time comparing rate quotes provided by online insurance companies. This can be accomplished in several different ways.

One of the best ways to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing a different quote for every insurance company. Completing one form gets you coverage quotes from all major companies. This is by far the quickest method.
A more time consuming way to shop for insurance online requires visiting each company website to request a price quote. For sake of this example, let’s say you want comparison quotes from Progressive, Liberty Mutual and GMAC. To get each rate you have to visit each site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
The least efficient method of comparing rate quotes is driving to insurance agents’ offices. Buying insurance online makes this process obsolete unless you have a need for the personal advice that only a license agent can provide. However, consumers can compare the best prices online but buy from a local insurance agent.

It’s up to you which method you use, but ensure you’re using exactly the same deductibles and coverage limits for each price quote. If you are comparing differing limits you will not be able to make a fair comparison for your Cadillac Escalade EXT.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions can help discover whether you might need an agent’s assistance.

What should my uninsured motorist coverage limits be in my state?
When should I drop full coverage on my 2004 Cadillac Escalade EXT?
What if I total my 2004 Cadillac Escalade EXT and owe more than it’s worth?
Do I need roadside assistance coverage?
How high should deductibles be on a 2004 Cadillac Escalade EXT?
Does coverage extend to a rental car in a foreign country?
I don’t drive much so do I pay less?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Learn about insurance coverages for a 2004 Cadillac Escalade EXT

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. 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 removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like prosthetic devices, rehabilitation expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Cadillac Escalade EXT.

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 a good idea. Frequently these coverages do not exceed the liability coverage limits.

Collision coverage

This coverage will pay to fix damage to your Escalade EXT caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, medical expenses and attorney fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.