Cheaper 2007 Cadillac Escalade EXT Insurance Rates

Finding better insurance prices for your Cadillac Escalade EXT can turn out to be a lot of work, but you can use these tips to make it easier. There is a better way to compare car insurance rates and we’ll show you the quickest way to get price quotes for a Cadillac and find the lowest price from local insurance agents and online providers.

Buying car insurance is not rocket science. If you have a current insurance coverage policy or need a new policy, you can use these tips to find the best rates and still get good coverage. Drivers just need to understand how to shop for insurance coverage on the web.

Compare Auto Insurance Costs

Getting a lower price on 2007 Cadillac Escalade EXT insurance is not a difficult process. Drivers just need to spend a little time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

  • The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing multiple quote forms for each company. Completing one form will return quotes from multiple low-cost companies. It’s the fastest way to compare.
  • A different way to find lower rates is spending the time to visit the website for each individual company and request a quote. For examples sake, we’ll assume you want to compare rates from Allstate, 21st Century and Progressive. You would have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

Which method you use is up to you, but compare apples-to-apples quote information on every quote you get. If you enter higher or lower deductibles you can’t possibly find the best deal for your Cadillac Escalade EXT.

When should I talk to an agent?

When choosing the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you would benefit from an agent’s advice.

  • How much liability do I need to cover my assets?
  • Where can I find high-risk insurance?
  • What discounts do I qualify for?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Detailed coverages of your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, falling objects, hail damage, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like prosthetic devices, EMT expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac Escalade EXT.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverage – Collision coverage will pay to fix damage to your Escalade EXT resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, backing into a parked car, driving through your garage door, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability insurance – Liability coverage will cover damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like legal defense fees, repair costs for stationary objects, medical services, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.