Lower Your 2013 Cadillac Escalade Insurance Quotes

Searching for better auto insurance rates? Consumers have lots of choices when looking for the best price on Cadillac Escalade insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to make rate comparisons. There are more efficient ways to buy auto insurance so you’re going to learn the best way to get price quotes for a new or used Cadillac and locate the cheapest rates from both online companies and local agents.

You need to do rate comparisons every six months since insurance rates change quite often. Even if you got the lowest rates for Escalade insurance a year ago you will most likely find a better rate today. Starting now, block out anything you think you know about auto insurance because it’s time to teach you the quickest way to properly buy coverages and cut your premium.

If you are insured now or are looking for a new policy, you can use these tips to find better prices and still get good coverage. The purpose of this post is to instruct you on the best way to quote coverages. Drivers only need to know the proper methods to compare price quotes over the internet.

The best way to compare policy rates is to take advantage of the fact most of the larger companies pay for the opportunity to give rate comparisons. The only thing you need to do is provide information including what your job is, if you’re married, if you require a SR-22, and level of coverage desired. The data is instantly provided to multiple companies and you should receive rate quotes instantly.

To compare multiple company rates now, click here and complete the form.

Don’t overlook these discounts

Car insurance companies don’t always advertise all available discounts in an easy-to-find place, so here is a list both well-publicized and the more hidden ways to save on insurance coverage. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

• Good Student Discount – This discount can save 20 to 25%. The discount lasts up until you turn 25.
• Military Rewards – Having a deployed family member may qualify for rate reductions.
• Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums for Escalade insurance.
• Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
• Multi-policy Discount – When you combine your home and auto insurance with the same company you could get a discount of approximately 10% to 15%.

Keep in mind that most credits do not apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurance companies with discount insurance coverage rates, click here to view.

Is my situation unique?

When it comes to buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

For example, these questions might point out if you could use an agent’s help.

• Can I rate high risk drivers on liability-only vehicles?
• What are the financial responsibility laws in my state?
• Are there companies who specialize in insuring high-risk drivers?
• Am I covered when driving on a suspended license?
• Does insurance cover tools stolen from my truck?
• Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for things like funeral costs, chiropractic care and prosthetic devices. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has 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 policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as structural damage, bail bonds, court costs, repair costs for stationary objects and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision insurance pays for damage to your Escalade from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, colliding with a tree, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.