Want cheaper car insurance rates for your Cadillac Escalade? Nobody I know likes having to buy car insurance, in particular when their premiums are through the roof. With consumers having so many choices, it can be impossible to locate the right company.
It’s a good habit to check car insurance prices every six months because rates fluctuate regularly. If you had the best deal on Escalade coverage a year ago you can probably find a better price now. So just forget all the misinformation about car insurance because it’s time to teach you the best methods to find lower rates on car insurance.
There are a lot of ways to compare auto insurance quotes, but one way is less time-consuming than others. You can waste hours driving to insurance companies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.
Many insurance companies participate in a marketplace where insurance shoppers enter their policy data once, and every company returns a rated price based on that information. This system prevents you from having to do quotation requests to each company.
To access this free quoting program, click here to start a free quote.
The single downside to doing it this way is that you can’t choose the companies to get quotes from. So if you want to choose from a list of companies to request quotes from, we have a page of companies who write auto insurance in your area. Click to view list.
Whichever way you use, make darn sure you compare apples-to-apples coverage information with every price quote. If you compare differing limits you will not be able to make a fair comparison for your Cadillac Escalade.
When it comes to buying the best auto insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might help in determining if your situation might need professional guidance.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.
Learning about specific coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.
Coverage for uninsured or underinsured drivers – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Cadillac Escalade.
Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.
Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as falling objects, damage from a tornado or hurricane, vandalism and fire damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as prosthetic devices, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Collision coverages – This coverage pays for damage to your Escalade from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things such as driving through your garage door, backing into a parked car, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Liability insurance – Liability insurance can cover injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability coverage pays for claims such as legal defense fees, medical services, court costs, emergency aid and bail bonds. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.