2000 Cadillac Escalade Insurance Quotes

Trying to find lower auto insurance rates for your Cadillac Escalade? Searching for low-cost insurance for a Cadillac Escalade can turn out to be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to find auto insurance online so we’re going to tell you the best way to compare rates on a Cadillac and get the best price possible from both online companies and local agents.

Discounts can save BIG

Companies offering auto insurance don’t always publicize every discount very well, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you’re just leaving money on the table.

  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Low Mileage Discounts – Keeping the miles down on your Cadillac can qualify you for discounted rates on garaged vehicles.
  • Multiple Cars – Having all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Safe Drivers – Safe drivers can pay as much as 50% less for Escalade insurance than drivers with accidents.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • 55 and Retired – Older drivers can possibly qualify for better car insurance rates for Escalade insurance.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
  • Homeowners Pay Less – Owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck.

For a list of providers who offer car insurance discounts, follow this link.

Parts of the Cadillac Escalade rate equation

An important part of buying insurance is that you know the different types of things that go into determining your car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • More people means more accidents – Residing in a rural area can save you money when it comes to car insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. City drivers have to deal with traffic congestion and longer commute times. More time on the road translates into higher accident risk.
  • Bad driving skills means higher rates – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Even a single ticket can bump up the cost by as much as thirty percent. Drivers who have dangerous citations such as DUI or reckless driving may need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Extra coverages can waste money – There are many additional coverages you can purchase on your car insurance policy. Coverages for personal injury protection, better glass coverage and term life insurance may be wasting your money. These coverages may sound good initially, but if they’re wasting money eliminate them to save money.
  • Frequent car insurance claims increase rates – Companies provide lower rates to insureds who do not file claims often. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.
  • How many coverages with the same company – The majority of insurers will give a discount to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to verify if the discount is saving money.
  • Marriage pays dividends – Getting married can actually save you money on your car insurance policy. Having a spouse means you’re more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Women pay lower rates – Statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women are in accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and are penalized with high car insurance rates.

Will just any policy work for me?

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • Can I afford low physical damage deductibles?
  • Should I put collision coverage on all my vehicles?
  • Am I covered when driving a rental car?
  • Does insurance cover tools stolen from my truck?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Specific coverages for a Cadillac Escalade

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as repair costs for stationary objects, emergency aid and attorney fees. How much coverage you buy is a personal decision, but buy as much as you can afford.

Coverage for collisions

This pays for damage to your Escalade resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, colliding with a tree, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Cadillac Escalade.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

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

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for things like EMT expenses, dental work, doctor visits and nursing services. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Be Smart and Buy Smart

When you buy insurance online, don’t be tempted to reduce needed coverages to save money. There are too many instances where someone dropped liability coverage limits and learned later they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Budget-conscious 2000 Cadillac Escalade insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

People leave their current company for any number of reasons including denial of a claim, high prices, poor customer service or even unfair underwriting practices. It doesn’t matter why you want to switch switching companies is not as hard as you think.

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