How Much Does 2007 Cadillac Escalade EXT Insurance Cost?

Looking for better insurance rates for your Cadillac Escalade EXT? Scraping up a payment for pricey Cadillac Escalade EXT insurance can overdraw your savings, especially in this economy. Comparing rate quotes is a smart way to tighten up your finances.

There are many car insurance companies to choose from, and although it’s nice to have a choice, it can be more difficult to compare rates and cut insurance costs.

Choosing the best insurance company for you is not that difficult. If you have a current insurance policy or need new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Drivers only need to know the most efficient way to shop their coverage around over the internet.

What determines Cadillac Escalade EXT insurance premiums?

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the factors that play a part in calculating your premiums. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that may reward you with lower insurance coverage prices. Lots of things are taken into consideration when you get a price on insurance. Some factors are common sense like a motor vehicle report, but other factors are less obvious such as your marital status or your commute time.

The items below are some of the most rate-impacting factors companies use to determine rates.

  • Five star IIHS safety rating saves money – Cars with high safety ratings get lower rates. Safer cars reduce injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If the Cadillac Escalade EXT has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Lower prices with theft deterrents – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Costs impacted by your city – Choosing to live in a small town may provide you with better prices when buying insurance coverage. Fewer drivers means fewer accidents and also fewer theft and vandalism claims. City drivers have more road rage incidents and much longer commute distances. More time on the road can result in more accidents.
  • Pleasure use or commuting – Driving more miles every year the more you’ll pay to insure it. A lot of companies charge to insure your cars based upon how the vehicle is primarily used. Autos that sit idle most of the time receive lower rates than vehicles that are driven to work every day. Double check that your policy correctly shows how each vehicle is driven. Incorrect rating for your Escalade EXT may be costing you.
  • High credit rating translates to low rates – A driver’s credit score factor in determining what you pay for insurance coverage. If your credit rating can be improved, you may save money insuring your 2007 Cadillac Escalade EXT by improving your rating. Insureds with very good credit scores tend to file fewer claims and have better driving records than drivers with worse credit.

Free insurance coverage quotes

Most larger insurance companies such as Progressive, GEICO, Allstate and State Farm allow consumers to get prices for coverage directly from their websites. Getting prices online is easy for anyone as you simply type in your coverage preferences into a form. Upon sending the form, their quoting system automatically orders credit information and your driving record and returns a price. Quoting online makes it easy to compare insurance prices but having to visit many different websites and type in the same data is monotonous and tiresome. But it’s necessary to perform this step if you want to find a better rate.

The better way to compare rates

The quickest way to find cheaper rates uses one simple form that analyzes rates from several companies at one time. This type of form saves time, reduces the work, and makes quoting online much simpler. As soon as you send your information, it is quoted and you can choose any one of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process only takes a few minutes and you’ll know if lower rates are available.

To compare rates now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter the limits and deductibles exactly as shown on your declarations page. This makes sure you’re receiving a price comparison based on identical coverages.

Insurance advertising tricks

Consumers constantly see and hear ads that promise big savings for switching by Progressive, GEICO, Allstate and State Farm. They all make the same claim that you’ll save big if you change to their company.

But how can every company save you money?

Different companies offer their best rates for the type of driver that earns them the highest profit. For example, a desirable risk may be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A customer that fits those parameters may get the lowest car insurance rates as well as save a lot of money.

Insureds who fall short of those standards will probably be forced to pay higher premium rates which translates to the customer not buying. If you listen to the ad wording, they say “customers that switch” not “all people who quote” can get the lowest rates when switching. This is how insurance companies can advertise the way they do. This really emphasizes why it is so important to compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest rates.

More affordable rates with these insurance coverage discounts

Companies don’t always advertise every policy discount very clearly, so the following is a list of both the well known as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Membership in Organizations – Joining specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance coverage.
  • No Claim Discounts – Drivers who don’t have accidents get the best insurance coverage rates in comparison with drivers with a long claim history.
  • E-sign Discounts – A few larger companies will give a small break simply for signing on the web.
  • Waiver for an Accident – This one isn’t a discount, but a few companies such as State Farm, Progressive and GEICO may permit one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
  • Savings for New Vehicles – Buying a new car instead of a used car can cost up to 25% less because new vehicles are generally safer.
  • Discount for Life Insurance – Larger insurance companies have a break if you buy a life policy as well.
  • Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of up to 20% off your total premium.
  • Active Military Service – Being on active deployment in the military may lower your insurance coverage rates slightly.

Remember that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any amount of discount will definitely reduce your policy premiums.

If you would like to choose from a list of insurance coverage companies who offer free insurance coverage quotes, follow this link.

Car insurance can get complicated

When buying the right insurance coverage, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I getting all the discounts available?
  • How does medical payments coverage work?
  • At what point should I drop full coverage?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance coverage information

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Auto collision coverage

This coverage will pay to fix damage to your Escalade EXT caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, sideswiping another vehicle, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Liability car insurance

Liability coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as surgery, nursing services, EMT expenses, prosthetic devices and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2007 Cadillac Escalade EXT.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, hail damage, rock chips in glass, vandalism and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Quote more. Save more.

When buying insurance coverage, you should never buy poor coverage just to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

We just showed you a lot of information how to save on 2007 Cadillac Escalade EXT insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest premium rates come from a small local company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

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