Save on 2014 Cadillac Escalade Insurance Rates

Searching for cheaper insurance rates for your Cadillac Escalade? No one looks forward to buying insurance, especially knowing the cost is too high. Companies like Allstate, Progressive and Geico all claim big savings with advertising and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.

Consumers should take time to compare prices quite often because rates change frequently. Despite the fact that you may have had the lowest rates on Escalade coverage a year ago you can probably find a better price now. There is a lot of bad advice regarding insurance online, so we’re going to give you some tested techniques to save money.

If you have a current insurance policy or need a new policy, you can follow these tips to get lower rates while maintaining coverages. Finding the best rates is not that difficult. Consumers just need to learn the most efficient way to compare prices over the internet.

How to Compare Insurance Quotes

Reducing your 2014 Cadillac Escalade insurance rates can be relatively painless. You just have to take the time to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

The fastest way to get quotes is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing a different quote to each individual insurance company. Filling out one form will get you rate comparisons from all major companies.

A less efficient way to compare rate quotes is to manually visit each individual company website and request a quote. For examples sake, we’ll assume you want to compare rates from Geico, Farmers and Liberty Mutual. To find out each rate you need to spend time on each company’s 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.

The hardest method of getting rate comparisons is to spend time driving to and from local insurance agencies. Shopping for insurance online makes this process obsolete unless you have a need for the personal advice of a licensed agent. However, consumers can compare the best prices online and get advice from an agent in your area and we’ll touch on that later.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage limits and deductibles for each price quote. If you compare different deductibles you can’t possibly determine the best price for your Cadillac Escalade.

Do I need special coverages?

When buying the right insurance coverage, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight whether you could use an agent’s help.

Does my policy cover me when driving someone else’s vehicle?
Am I covered when using my vehicle for business?
What is covered by UM/UIM coverage?
How can I force my company to pay a claim?
Should I file a claim if it’s only slightly more than my deductible?
Should I sign the liability waiver when renting a car?
When does my teenage driver need to be added to my policy?
If my 2014 Cadillac Escalade is totaled, can I afford another vehicle?
Should I put collision coverage on all my vehicles?
Is my custom paint covered by insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about auto insurance coverages

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hitting a deer, falling objects, hail damage and rock chips in glass. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims, and doesn’t 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. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, bail bonds, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

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

Collision can pay for things like colliding with another moving vehicle, crashing into a ditch, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for things like hospital visits, dental work and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage