Lower Your 2010 Cadillac Escalade EXT Insurance Quotes

Locating cheaper insurance for your Cadillac Escalade EXT can be a lot of work, but you can use these tips and make it easy. There is a better way to buy auto insurance so you’re going to learn the absolute fastest way to quote coverages for a Cadillac and find the lowest possible price from local insurance agents and online providers.

Comprehensive Car Insurance Comparison Quotes

Finding a lower price on 2010 Cadillac Escalade EXT insurance doesn’t have to be difficult. The only thing you need to do is take a few minutes to compare rate quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The most efficient way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating multiple quote forms for each company you want a rate for. One form submission will get you price quotes direct from many companies. It’s definitely the quickest method.
  2. A less efficient way to analyze rates is going to each company’s website to complete a price quote. For examples sake, let’s assume you want to compare Nationwide, State Farm and GMAC. You would have to visit each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  3. The least efficient method of comparing rate quotes is to spend time driving to local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the trained guidance only provided by licensed agents. It is possible to comparison shop your insurance online but buy from a local insurance agent and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same information with each company. If each company quotes unequal deductibles or liability limits then you won’t be able to determine the best price for your Cadillac Escalade EXT.

Don’t miss out on these money-saving discounts

Car insurance companies don’t always list all their discounts very clearly, so we researched some of the more common and also the lesser-known ways to save on insurance. If you’re not getting every credit available, you are throwing money away.

  • Accident Waiver – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Auto/Home Discount – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off for Escalade EXT insurance with a few insurance companies.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.

It’s important to note that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

A partial list of companies that may offer some of the above discounts are:

Double check with each company what discounts are available to you. Savings may not be available in your state.

Do I need special coverages?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Am I covered when driving a rental car?
  • Do I need medical payments coverage since I have good health insurance?
  • How can I get high-risk coverage after a DUI?
  • I don’t drive much so do I pay less?
  • Is a blown tire covered by insurance?
  • Do I need more liability coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Why your Cadillac Escalade EXT insurance rates may be high

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

  • Frequent car insurance claims increase rates – Auto insurance companies provide lower rates to drivers who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
  • Poor driving leads to higher costs – Your driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Just one citation can bump up the cost by twenty percent. Drivers who get severe violations such as DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Always keep insurance in force – Not having insurance can get your license suspended and car insurance companies will penalize you for letting your coverage lapse. Not only will rates go up, but being ticketed for driving with no insurance will get you a steep fine or even jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • High deductibles save money – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Cadillac. Examples of covered claims are a windshield shattered by a rock, damage from fire, and rolling your vehicle. Physical damage deductibles are how much you are required to spend if you file a covered claim. The higher the amount you’re willing to pay, the bigger discount you will receive for Escalade EXT insurance.
  • The more you drive the more you pay – Driving more miles every year the higher your rate. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your car insurance coverage shows the proper vehicle usage. If your policy improperly rates your Escalade EXT may be costing you.

Save 15 percent in 15 minutes? Is it for real?

Drivers get pounded daily by advertisements that promise big savings from the likes of 21st Century, Allstate and State Farm. All the ads say the same thing that you can save after switching your coverage to them.

But how can every company say the same thing?

Insurance companies have a preferred profile for the right customer that makes them money. A good example of a driver they prefer might be a mature driver, has no prior claims, and drives newer vehicles. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who are not a match for the requirements will have to pay higher premiums which usually ends up with the customer not buying. The ads say “customers that switch” not “people who quote” save that much. This is how insurance companies can make those claims. Because of the profiling, you need to get as many comparisons as possible. It is impossible to predict which insurance companies will give you the biggest savings on Cadillac Escalade EXT insurance.

Coverage specifics

Understanding the coverages of insurance can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage will pay to fix damage to your Escalade EXT caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for liability – Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for 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 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as bail bonds, repair costs for stationary objects, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses for things like hospital visits, funeral costs and nursing services. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac Escalade EXT.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for 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 rock chips in glass, damage from getting keyed, damage from flooding, theft and damage from a tornado or hurricane. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Be Smart and Buy Smart

We just covered quite a bit of information on how to lower your 2010 Cadillac Escalade EXT insurance rates. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, denial of a claim, lack of trust in their agent or high rates after DUI convictions. Regardless of your reason, finding a new company can be less work than you think.

Discount insurance is possible both online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Additional auto insurance information can be found at the links below