2018 Cadillac Escalade Insurance Rates

Buyers have options when searching for low-cost Cadillac Escalade insurance. You can either waste hours driving around getting price quotes or leverage the internet to make rate comparisons.

There are more efficient ways to compare insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Cadillac and get the cheapest rates from both online companies and local agents.

You should take the time to price shop coverage before your policy renews because insurance prices change frequently. If you had the best rate on Escalade coverage last year there is a good chance you can find better premium rates now. Block out anything you think you know about insurance because you’re about to find out the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Ways to get insurance rate quotes

There are multiple methods to shop for insurance, but one way is less time-consuming than others. You can spend countless hours talking to agents in your area, or you can utilize online quoting for quick rates.

Most car insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and at least one company provides a quote for coverage. This saves time by eliminating quotation requests for every insurance company. To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is you don’t know exactly the insurers to get quotes from. If you wish to select from a list of companies to compare, we have a page of insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but do your best to use nearly identical coverage limits and deductibles for each comparison quote. If you enter higher or lower deductibles it will be very difficult to get a fair rate comparison.

Get lower-cost insurance coverage rates with discounts

Insurance coverage is easily one of your largest bills, but you might find some hidden discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but a few must be specifically requested before being credited.

  • Safety Restraint Discount – Drivers who require all occupants to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
  • Government Employee Discount – Federal government employees may qualify for a discount when you quote car insurance on Escalade coverage depending on your insurance coverage provider.
  • Auto/Home Discount – If you can bundle your home and auto insurance with one company you could save as much as 10 to 15 percent.
  • Discounts for Cautious Drivers – Accident-free drivers can save as much as half off their rates on Escalade coverage than drivers with accident claims.
  • Senior Citizen Rates – Seniors are able to get better insurance coverage rates on Escalade coverage.
  • Paperwork-free – Some insurance companies may give you up to $50 just for signing your application on the web.
  • Waiver for an Accident – Not a discount per se, but companies like Geico and Liberty Mutual will allow you to have one accident without raising rates as long as you don’t have any claims for a specific time period.
  • Club Memberships – Being in a civic or occupational organization could qualify you for a break on insurance coverage.
  • Low Miles Discount – Low annual miles can earn lower insurance coveragerates due to less chance of an accident.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and earn discounts up to 10%.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

To locate insurance companies who offer free insurance coverage quotes, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • How many claims can I have before being cancelled?
  • I have a DUI can I still get coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Does coverage extend to Mexico or Canada?
  • Is a blown tire covered by insurance?
  • Am I covered when using my vehicle for business?
  • Does my policy cover my teen driver if they drive my company car?
  • Is other people’s property covered if stolen from my vehicle?
  • At what point should I drop full coverage?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Get cheaper auto insurance with these tips

Many factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, but other criteria are less apparent like your continuous coverage and annual miles driven.

  • Does your vocation raise your prices? – Jobs such as real estate brokers, social workers and stock brokers generally have higher premium rates in part from high stress levels and long work days. On the other hand, careers such as actors, athletes and retirees pay lower than average rates on Escalade coverage.
  • Your age impacts your costs – Older, more experienced drivers tend to be more responsible, cost insurance companies less in claims and receive fewer citations.Drivers with little experience are statistically shown to be inattentive when behind the wheel so they pay higher auto insurance rates.
  • Get married and pay less – Having a significant other may save some money when buying auto insurance. Marriage generally demonstrates drivers are more mature and responsible and statistics show married couples file fewer claims.
  • Do females or males drive better? – Over time, data shows that females take fewer risks when driving. This data doesn’t prove that women are BETTER drivers than men. Both sexes get in at-fault accidents at a similar rate, but the male of the species have costlier accidents. Not only that, but men also get cited for more serious violations like reckless driving and DUI. Young males generally have the highest accident percentage and therefore are the most expensive to insure.
  • Save mileage and save money – Driving a lot of miles every year the more it will cost to insure it. Many insurance companies calculate prices based on how the vehicle is used. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. An improperly rated Escalade is throwing money out the window. It’s a good idea to make sure your auto insurance coverage is rated on the right rating data.

Truth in insurance advertising

Consumers can’t avoid all the ads for cheaper insurance from the likes of Allstate and Progressive. They all state the claim that drivers will save a bundle if you move your policy.

It sounds good, but how can they all cost less than your current company? It’s all in the wording.

All the different companies provide the lowest rates for the type of insured that will be a good risk. One example of a desirable insured might have to be married and over the age of 30, carries high limits, and chooses high deductibles. A customer getting a price quote that meets those criteria receives the best rates and will most likely pay quite a bit less when switching companies.

People who don’t measure up to these criteria may receive more expensive rates with the end result being the customer buying from someone else. The ads say “people that switch” not “everybody who quotes” save the amount stated. That is how companies can make claims like that.

Because each company has a different risk profile, you really should compare quotes as often as possible. It’s just too difficult to predict the company that will have better premium rates than you’re paying now.

Car insurance specifics

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers 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 can pay for things like hitting a deer, damage from getting keyed and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for funeral costs, nursing services and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision coverage will pay to fix damage to your Escalade resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical expenses, emergency aid, attorney fees and bail bonds. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2018 Cadillac Escalade.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Spend less. Save more.

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In many cases, someone dropped full coverage and discovered at claim time that the savings was not a smart move. Your goal is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

People switch companies for a variety of reasons including delays in responding to claim requests, being labeled a high risk driver, delays in paying claims or even not issuing a premium refund. Regardless of your reason for switching companies, finding a new auto insurance company can be easy and end up saving you some money.

Budget-friendly auto insurance can be bought from both online companies in addition to local insurance agencies, so get free car insurance quotes from both of them so you have a total pricing picture. A few companies do not provide online price quotes and most of the time these smaller companies work with independent agents.

Additional detailed information is available in the articles below: