2015 Cadillac Escalade Insurance Quotes

Searching for better insurance prices for a Cadillac Escalade could be an all-consuming task, but you can follow our insurance buying tips and make it easy. There is a right way and a wrong way to find insurance online so we’re going to tell you the quickest way to get price quotes for your Cadillac and obtain the cheapest rates.

It’s a great practice to compare prices periodically since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for Escalade insurance two years ago there may be better deals available now. There is a lot of wrong information about insurance online, so we’re going to give you some great ideas on how to reduce your insurance bill.

Finding the best rates is easy if you know what you’re doing. If you have a current auto insurance policy or need a new policy, you can follow these tips to find the best rates and possibly find even better coverage. Vehicle owners just need to learn the most efficient way to get comparison rates online.

Finding Insurance

Comparing insurance rates can be a daunting task if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get the quickest rates.

Most of the larger companies enroll in a system that enables customers to enter their policy data once, and every company can give them a price based on that information. This saves time by eliminating quote requests to each individual insurance company.

To find out how much you’re overpaying now click here to open in new window.

The single downside to comparing rates this way is that you can’t choose the insurers to receive prices from. If you prefer to choose specific insurance companies to compare prices, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using apples-to-apples quote information on every quote you get. If you are comparing different liability limits it will be next to impossible to make a fair comparison for your Cadillac Escalade.

Your personal situation dictates your coverage

When it comes to buying coverage, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might point out whether your personal situation might need professional guidance.

  • If my pet gets injured in an accident are they covered?
  • Is a fancy paint job covered?
  • Does my 2015 Cadillac Escalade need full coverage?
  • Does insurance cover tools stolen from my truck?
  • Should I have a commercial auto policy?
  • What if I total my 2015 Cadillac Escalade and owe more than it’s worth?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed 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 can help protect your family.

Specifics of your insurance policy

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Cadillac Escalade.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for pain medications, chiropractic care, ambulance fees and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, damaging your car on a curb, rolling your car, crashing into a building and backing into a parked car. 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 choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer and vandalism. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

Liability coverage will cover damage that occurs to other people or property. This insurance protects YOU from claims by other people. It does not cover 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. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like loss of income, medical services and structural damage. How much coverage you buy is a personal decision, but buy as much as you can afford.