How Much Does 2013 Cadillac Escalade EXT Insurance Cost?

Searching for lower insurance rates? Consumers have a choice when looking for low-cost Cadillac Escalade EXT insurance. They can either waste time calling around getting price quotes or use the internet to get rate quotes.

There is a right way and a wrong way to buy insurance so you’re going to learn the proper way to compare rates for a Cadillac and find the best price possible.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but a few must be requested specifically before being credited. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Resident Student – Kids in college who live away from home and do not have a car can receive lower rates.
  • E-sign – Some insurance companies may give you up to $50 for buying your policy on their website.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Club Memberships – Participating in a professional or civic organization may earn a discount on your policy for Escalade EXT insurance.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • No Accidents – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
  • Drivers Education – Require your teen driver to complete a driver education course in school.
  • Passive Restraints – Factory air bags may earn rate discounts of more than 20%.

It’s important to note that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. But all discounts will reduce your premiums.

To see a list of companies with the best auto insurance discounts, follow this link.

Different people need different coverages

When buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • If I drive on a suspended license am I covered?
  • How much liability insurance is required?
  • Is extra glass coverage worth it?
  • Does my policy cover my teen driver if they drive my company car?
  • Is a blown tire covered by insurance?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage options for a 2013 Cadillac Escalade EXT

Having a good grasp of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

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

Collision coverage pays for claims like hitting a mailbox, colliding with another moving vehicle, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses such as hospital visits, doctor visits, EMT expenses, chiropractic care and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Cadillac Escalade EXT.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, falling objects, fire damage and damage from getting keyed. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance – This coverage will cover damage that occurs to people or other property. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, structural damage, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Best coverage at the best price

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.

Drivers who switch companies do it for a variety of reasons including delays in paying claims, unfair underwriting practices, delays in responding to claim requests and denial of a claim. Whatever your reason, choosing a new insurance company is not as hard as you think.

Cheap 2013 Cadillac Escalade EXT insurance can be sourced from both online companies in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

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