2013 Cadillac Escalade Hybrid Car Insurance Cost

Paying for high-priced Cadillac Escalade Hybrid insurance can overdraw your bank account and force you to make sacrifices. Comparison shopping is free and is an excellent way to help make ends meet. Because you have many companies and agents to choose from, it can be diffult for consumers to choose the lowest price car insurance company.

It’s important to shop coverage around before your policy renews since insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on Escalade Hybrid insurance a few years ago you will most likely find a better rate today. You can find a lot of misleading information regarding insurance coverage on the internet, so we’re going to give you some solid techniques on how to buy insurance coverage cheaper.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Drivers only need to know the proper way to get comparison rates online.

Vehicle Insurance Comparison

There are multiple methods to compare 2013 Cadillac Escalade Hybrid car insurance prices but there is one way that is less time-consuming than others. You could waste a few hours talking to insurance agencies in your area, or you could save time and use online quotes to get prices fast.

Many of the larger companies belong to a marketplace that enables customers to enter their policy data once, and each company then gives them pricing. This eliminates the need for repetitive form submissions for every car insurance company.

To use this form to compare 2013 Cadillac Escalade Hybrid insurance rates click here to open in new window.

The one disadvantage to using this type of system is buyers cannot specifically choose which companies to get quotes from. If you wish to select individual companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, compare apples-to-apples coverages and limits for every company. If the quotes have different values for each quote you can’t possibly make a fair comparison for your Cadillac Escalade Hybrid.

Do you qualify for discounts?

Companies that sell car insurance do not list all their discounts very clearly, so we took the time to find both well-publicized and also the lesser-known ways to save on insurance coverage. If you’re not getting every credit available, you’re just leaving money on the table.

  • Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better insurance coverage rates on Escalade Hybrid insurance.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Distant Student – Children who live away from home and do not have access to a covered vehicle can receive lower rates.

It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

Insurance companies who might offer these discounts include:

Double check with each company how you can save money. Discounts might not apply in your state.

Don’t assume everyone needs the same coverage

When buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can help discover if your insurance needs would benefit from professional advice.

  • Why is insurance for a teen driver so high?
  • Should I buy additional glass protection?
  • How much underlying liability do I need for an umbrella policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How high should my medical payments coverage be?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Why your Cadillac Escalade Hybrid insurance rates may be high

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for insurance. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are some of the factors that factor into your rates.

  • Men fork out a little more – The statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Men and women cause accidents at about the same rate, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.
  • No coverage gaps is important – Driving your car without having proper coverage is against the law and insurance companies will penalize you for letting your insurance expire. Not only will rates go up, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Liability coverage protects you – Liability coverage is the protection if a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Younger drivers pay higher rates – Older insureds are more responsible, tend to file fewer claims and get fewer tickets. Teenage drivers are statistically proven to be more careless when behind the wheel and because of this, their insurance rates are much higher.
  • Frequent insurance claims increase rates – If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Insurance companies generally give cheaper rates to people who are claim-free. Your insurance policy is intended for larger claims.
  • Better credit scores mean better rates – Having a bad credit score is a huge factor in determining your rates. If your credit is lower than you’d like, you could save money insuring your 2013 Cadillac Escalade Hybrid by repairing your credit. People with high credit ratings tend to be more responsible than those with poor credit.

Coverages available on your policy

Understanding the coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses like funeral costs, hospital visits, prosthetic devices and ambulance fees. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2013 Cadillac Escalade Hybrid.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.


Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, pain and suffering, structural damage and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

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

Comprehensive insurance covers things such as rock chips in glass, theft, fire damage, damage from getting keyed and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your Escalade Hybrid caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, driving through your garage door, backing into a parked car, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Quote more, save more

In this article, we covered many tips how you can compare 2013 Cadillac Escalade Hybrid insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from some of the smallest insurance companies. Regional companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

As you restructure your insurance plan, never buy poor coverage just to save money. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.

Much more information about insurance can be found below: