Lower Your 2004 Cadillac Escalade Insurance Quotes

Trying to find the cheapest auto insurance rates for your Cadillac Escalade? Have you had enough of paying out the nose to insure your Cadillac every month? You’re in the same situation as the majority of other car owners. Multiple auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the lowest rate

Quick Insurance Quotes

All the larger insurance companies provide prices for coverage online. The process is fairly straightforward as you just type in the coverage amounts you desire as detailed in the form. Once you submit the form, the company’s rating system collects information on your driving record and credit history and returns a price based on many factors. Online price quotes makes it a lot easier to compare rates but having to visit multiple sites and type in the same information gets old quite quickly. But it’s very important to compare as many rates as possible if you want to find a better rate.

Rate comparisons made easy

The easiest way to get multiple rate quotes requires only one form to get prices from multiple companies. This type of form saves time, reduces the work, and makes comparison shopping much more efficient. Immediately after you send the form, your coverage is rated and you are able to buy your choice of the pricing results. If a lower price is quoted, you can click and sign and buy the new coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To save time and find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will get comparison quotes using the same coverage and limits.

Discounts mean cheaper Cadillac Escalade insurance rates

Companies that sell car insurance don’t always publicize all their discounts very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit available, you are paying more than you should be.

  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates on your policy for Escalade coverage.
  • Sign Online – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for better car insurance rates for Escalade coverage.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for Escalade coverage with certain companies.

Consumers should know that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

Companies that may offer these benefits include:

Double check with all companies you are considering which discounts they offer. All car insurance discounts may not apply in your area.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might point out if your insurance needs will benefit from professional help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to pay high deductible claims out of pocket?
  • Is rental equipment covered for theft or damage?
  • What is UM/UIM insurance?
  • Should I carry comprehensive and collision coverage?
  • When would I need rental car insurance?
  • Am I covered when pulling a rental trailer?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverages 101

Understanding the coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, theft and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision coverage covers damage to your Escalade from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Cadillac Escalade.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses such as X-ray expenses, hospital visits, pain medications and funeral costs. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims. It does not 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 commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as structural damage, medical services, court costs, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.