2006 Cadillac Escalade EXT Insurance Quotes – 6 Savings Tips

Looking for better insurance rates for your Cadillac Escalade EXT? Paying for high-priced Cadillac Escalade EXT insurance can empty your savings account and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Drivers have multiple insurance companies to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to compare rates and find the lowest cost insurance.

Discounts can save BIG

Companies offering auto insurance don’t list all available discounts very clearly, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • No Charge for an Accident – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.

Consumers should know that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of companies with discount auto insurance rates, follow this link.

Will just any policy work for me?

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions might point out whether or not you might need an agent’s assistance.

  • Is my babysitter covered when using my vehicle?
  • What is PIP insurance?
  • When would I need rental car insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I force my company to pay a claim?
  • At what point should I drop full coverage?
  • What if I total my 2006 Cadillac Escalade EXT and owe more than it’s worth?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Switch companies and save? Really?

Companies like Allstate, Geico and Progressive consistently run television and radio advertisements. All the ads say the same thing that you can save if you change to their company. How do they all make almost identical claims?

All companies have a certain “appetite” for the type of customer they prefer to insure. An example of a driver they prefer might be over the age of 40, owns a home, and chooses high deductibles. A propective insured who fits that profile will get very good rates and as a result will probably cut their rates substantially.

Potential customers who fall outside the requirements will be charged a higher premium and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save that kind of money. This is how insurance companies can make those claims. That is why drivers must compare as many rates as you can. It’s not possible to predict the company that will give you the biggest savings on Cadillac Escalade EXT insurance.

Auto insurance coverage information

Understanding the coverages of your car insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most car insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, vandalism and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as dental work, rehabilitation expenses, surgery and hospital visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This protects you from injuries or damage you cause to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, structural damage and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This coverage covers damage to your Escalade EXT resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Cadillac Escalade EXT.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

More comparisons equals lower rates

When buying insurance coverage, you should never buy poor coverage just to save money. There are too many instances where drivers have reduced liability limits or collision coverage and learned later that it was a big error on their part. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Cheaper 2006 Cadillac Escalade EXT insurance is possible both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide online price quotes and these regional insurance providers work with independent agents.

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