How Much Does 2017 Cadillac Escalade Insurance Cost?

Looking for the cheapest auto insurance rates for your Cadillac Escalade? Are you burned out from not being able to scrape enough together to pay high auto insurance rates every month? You have the same problem as the majority of other vehicle owners. Many auto insurance companies vie for your business, and it can be difficult to compare rates to get the best rate

If you have a policy now or are shopping for new coverage, you can use this information to get lower rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Consumers just need to understand the proper methods to get comparison quotes over the internet.

Insurance discounts are available to reduce your rates

Some insurers don’t always list the complete list of policy discounts in a way that’s easy to find, so the following is a list of a few of the more common and also the lesser-known credits available to you.

  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Discounts for Federal Employees – Active or former government employment can save as much as 8% for Escalade insurance but check with your company.
  • Drive Less and Save – Low mileage vehicles may allow you to get lower rates on the low mileage vehicles.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
  • Active Military Service – Being on active deployment in the military could mean lower insurance rates.

As is typical with insurance, most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts should definitely cut the amount you have to pay.

Larger insurance companies and a partial list of their discounts can be found below.

  • Farm Bureau may include discounts for renewal discount, youthful driver, driver training, multi-vehicle, 55 and retired, good student, and safe driver.
  • State Farm has discounts for multiple autos, driver’s education, good driver, safe vehicle, and good student.
  • Progressive policyholders can earn discounts including continuous coverage, homeowner, online signing, multi-policy, online quote discount, and good student.
  • Allstate may offer discounts for early signing, teenSMART discount, resident student, good student, multi-policy, and anti-theft.
  • Nationwide may have discounts that include easy pay, good student, anti-theft, accident-free, defensive driving, Farm Bureau membership, and family plan.
  • MetLife includes discounts for good student, claim-free, good driver, accident-free, and defensive driver.

If you need inexpensive car insurance quotes, ask every insurance company which credits you are entitled to. Discounts might not be offered in your state. To view providers that have a full spectrum of discounts, follow this link.

Everyone needs different insurance coverages

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you will benefit from professional help.

  • Does my policy cover me when driving someone else’s vehicle?
  • If my 2017 Cadillac Escalade is totaled, can I afford another vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Where can I get insurance after a DUI in my state?
  • How can I force my company to pay a claim?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Learn about insurance coverages for a Cadillac Escalade

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses for hospital visits, surgery, pain medications and EMT expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, damage from a tornado or hurricane and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage covers damage to your Escalade resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, rolling your car, driving through your garage door, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2017 Cadillac Escalade.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical expenses, court costs, emergency aid and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Saving money makes a lot of cents

Low-cost 2017 Cadillac Escalade insurance can be found on the web in addition to local insurance agencies, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies do not offer internet price quotes and most of the time these small, regional companies sell through independent agents.

As you quote car insurance, it’s not a good idea to buy poor coverage just to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the best cost.

To read more, take a look at the following helpful articles: