View 2004 Cadillac Escalade ESV Insurance Rates

Finding the most affordable auto insurance on the internet can seem to be difficult for consumers not familiar with comparing rates online. With dozens of insurers available, how can drivers possibly compare every one to find the best available rates?

It’s a great practice to do rate comparisons at least once a year because prices are variable and change quite frequently. Just because you found the best price on Escalade ESV coverage six months ago you will most likely find a better rate today. So block out anything you think you know about auto insurance because you’re about to learn one of the best ways to remove unneeded coverages and save money.

Where Can I Get Cheap Insurance Coverage?

The are a couple different ways to compare quotes from insurance coverage companies in your area. By far the easiest way to compare 2004 Cadillac Escalade ESV insurance prices is simply to get online rate quotes. This can be done using a couple different methods.

  1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do boring form submissions for each company. Completing one form will get you rate comparisons from insurance coverage companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to analyze rates requires a trip to the website for each individual company to request a price quote. For examples sake, let’s say you want to compare Farmers, Progressive and Liberty Mutual. You would have to spend time on each company’s site and enter your information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  3. The least recommended method to compare rates is to waste gas driving to and from local insurance agencies. Shopping for insurance coverage online eliminates the need for an insurance agent unless you prefer the trained guidance of a local agent. Drivers can obtain prices from the web but still have the advice of a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just double check that you are using the exact same coverages and limits on every quote. If you have different values for each quote you can’t possibly find the best deal for your Cadillac Escalade ESV. Slightly different coverages may cause a big price difference. And when price shopping your coverage, having more price comparisons will increase your chances of finding the best rates.

What is the best insurance coverage?

When it comes to buying the best insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if you could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • Do I have newly-aquired coverage?
  • Do I need more liability coverage?
  • Is my ex-spouse still covered by my policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered when driving in Canada or Mexico?
  • Can I afford to pay high deductible claims out of pocket?
  • How do I insure my teen driver?
  • If my 2004 Cadillac Escalade ESV is totaled, can I afford another vehicle?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

This covers damage to your Escalade ESV resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, hitting a parking meter, damaging your car on a curb, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, ambulance fees, dental work, pain medications and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Cadillac Escalade ESV.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability

Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like repair bills for other people’s vehicles, structural damage and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, fire damage and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.