Save on 2009 Cadillac Escalade EXT Insurance Cost

Want better insurance rates for your Cadillac Escalade EXT? Searching for affordable insurance may at first seem to be rather difficult for consumers not familiar with buying insurance on the web. When there are so many online companies, how are consumers able to effectively compare every possible option in order to find the lowest rates?

The cheapest insurance price quotes online

The majority of larger companies such as State Farm, GEICO and Progressive allow you to get prices for coverage from their websites. The process is quite simple because it’s just a matter of typing in the amount of coverage you want as requested by the quote form. Once you submit the form, their system requests information on your driving record and credit history and returns a price quote based on these and other factors.

Being able to quote online makes it easy to compare insurance prices but the time required to go to multiple sites and type in the same data is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible in order to find better prices.

Rate comparisons made easy

An easier way to find better insurance pricing uses just one form that analyzes rates from multiple companies. It’s a real time-saver, requires less work, and makes online shopping much more enjoyable. As soon as the form is sent, it is quoted and you can choose any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. This process can be completed in less than 10 minutes and could lower your rates considerably.

To compare rates now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend that you enter as close as possible to your current policy. This makes sure you will receive an apples-to-apples comparison for similar coverage.

Get lower-cost insurance with discounts

Insurance can cost an arm and a leg, but there could be significant discounts that can dramatically reduce your bill. Many discounts should be triggered at the time of quoting, but some may not be applied and must be inquired about in order for you to get them.

  • Own a Home – Owning a house may trigger a policy discount on insurance because owning a home shows financial diligence.
  • Bundle and Save – When you have multiple policies with the same company you could earn a discount of up to 20% off your total premium.
  • Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
  • Discount for Swiching Early – Some larger companies give discounts for signing up prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Driver Education Discount – Require your teen driver to complete a driver education course in school or through a local driver safety program.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you could get a free insurance policy, it just doesn’t work that way. But any discount will definitely reduce your policy cost.

A few of the larger companies and a selection of discounts are detailed below.

  • Farm Bureau offers discounts for youthful driver, driver training, safe driver, good student, multi-vehicle, renewal discount, and 55 and retired.
  • Liberty Mutual offers discounts including safety features, teen driver discount, preferred payment discount, good student, hybrid vehicle, new graduate, and multi-car.
  • State Farm may include discounts for Steer Clear safe driver discount, driver’s education, accident-free, multiple policy, Drive Safe & Save, and passive restraint.
  • Auto-Owners Insurance may offer discounts for company car, anti-theft, group or association, mature driver, good student, and safe vehicle.
  • GEICO has savings for anti-lock brakes, seat belt use, defensive driver, daytime running lights, military active duty, five-year accident-free, and air bags.
  • SAFECO may have discounts that include drive less, accident prevention training, bundle discounts, anti-theft, anti-lock brakes, multi-car, and teen safe driver.

If you need lower rates, check with every prospective company the best way to save money. Some discounts listed above may not be available in your area. To locate insurance companies that offer multiple discounts, follow this link.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • Do I need an umbrella policy?
  • How does medical payments coverage work?
  • Is there coverage for injuries to my pets?
  • Can I rate high risk drivers on liability-only vehicles?
  • How can I find cheaper teen driver insurance?
  • Why do I need rental car insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Get Cadillac Escalade EXT insurance more affordably

A large part of saving on auto insurance is knowing some of the elements that help determine auto insurance rates. If you know what impacts premium levels, this allows you to make good choices that could result in cheaper rates. Lots of things are part of the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, but some are more transparent like where you live or your vehicle rating.

  • Men tend to take more risk – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Females and males cause accidents at about the same rate, but males tend to have more serious accidents. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI). Male teenagers generally have the highest accident percentage and therefore pay the highest rates.
  • Do you have a high stress occupation? – Occupational choices like doctors, social workers and financial analysts usually pay higher rates than average in part from high stress levels and incredibly demanding work hours. Conversely, jobs like scientists, engineers and the unemployed pay the least for Escalade EXT insurance.
  • Multiple policies with one company can save – Lots of auto insurance companies give better rates for people who consolidate policies with them in the form of a multi-policy discount. Even if you already get this discount, consumers should still get quotes from other companies to help guarantee you have the best rates. Drivers may still save more without the discount even if you insure with multiple companies
  • Cautious drivers pay lower costs – Even one speeding ticket can increase rates to the point where it’s not affordable. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers who have gotten severe tickets such as DWI, reckless driving or hit and run convictions may find that they have to to prove financial responsibility with their state in order to keep their license.
  • Do you know you’re credit rating? – Credit score can be a huge factor in determining what you pay for auto insurance. If your credit score can be improved, you could be paying less to insure your 2009 Cadillac Escalade EXT by improving your credit score. People that have very good credit scores tend to be better drivers and file fewer claims than drivers with poor credit scores.
  • Policy add-ons can waste money – There are quite a few extra add-on coverages that you can get tricked into buying if you aren’t careful. Add-on coverages like rental car coverage, towing coverage, and extra equipment coverage are probably not needed. They may seem good when you first buy your policy, but if you don’t need them remove them and pocket the money.

Do drivers who switch really save $395 a year?

Companies like State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to make the same claim that you’ll save big if you switch your insurance coverage coverage to their company. How do they all say the same thing? It’s all in the words they use.

All the different companies quote their cheapest rates for the driver that will generate a profit. For instance, a profitable risk profile might be described as a mature driver, owns their home, and drives a car with an anti-theft system. Anyone that matches those criteria will get the preferred rates and have a good chance to save a lot if they switch.

People who fall short of the “perfect” profile will have to pay more expensive rates which results in the customer not buying. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully lure you into getting a quote.

Because of these techniques, you absolutely need to compare price quotes frequently. It is just not possible to predict which company will fit you best based on your risk profile.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like X-ray expenses, nursing services and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hail damage and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, repair costs for stationary objects, medical services and medical expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, driving through your garage door, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Cadillac Escalade EXT.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Coverage on a shoestring budget

Consumers who switch companies do it for any number of reasons including delays in paying claims, delays in responding to claim requests, denial of a claim and being labeled a high risk driver. It doesn’t matter what your reason, choosing a new company is less work than it seems.

Throughout this article, we presented quite a bit of information on how to reduce 2009 Cadillac Escalade EXT insurance premium rates online. The most important thing to understand is the more companies you get prices for, the better chance you’ll have of finding the cheapest auto insurance. Consumers could even find that the lowest premium rates are with a company that doesn’t do a lot of advertising.

Some companies may not have internet price quotes and these small, regional companies prefer to sell through independent agents. Budget-friendly auto insurance can be purchased both online and from local agencies, and you need to price shop both in order to have the best chance of saving money.

Additional information is located at the links below