Compare 2014 Cadillac Escalade Insurance Cost

Have you had enough of sacrificing other expenses to keep your car insured? Your situation is no different than the majority of other drivers. You have so many insurance companies to insure vehicles with, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

It’s a good habit to price shop coverage yearly due to the fact that insurance prices go up and down regularly. Just because you found the best price on Escalade coverage six months ago there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn the proper way to find lower rates on car insurance.

Shopping for cheaper car insurance is quite easy. If you have insurance now or are just looking to switch companies, you can learn to cut your premiums while maximizing coverage. Drivers only need an understanding of the best way to compare rates online.

Compare free insurance coverage quotes

All major insurance coverage companies like Allstate and Progressive give pricing from their websites. Comparing rates online can be done by anyone as you simply type in your coverage preferences as detailed in the form. When complete, their rating system collects your driving record and credit report and returns pricing information based on the data you entered. Online price estimates helps simplify price comparisons, but the time it takes to visit different websites and type in the same information is a big time waster. But it’s also necessary to perform this step if you want to get better prices.

Compare rates the easy way

The quickest way to lower your insurance coverage bill uses one simple form to get prices from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much simpler. Immediately after you send the form, it is rated and you can select any one of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.

To compare rates now, click here and submit your coverage information. If you have your current policy handy, we recommend you input deductibles and limits as close as possible to your current policy. This makes sure you will get rate comparison quotes for similar insurance coverage.

Can switching companies really save?

Consumers can’t get away from all the ads that claim the cheapest rates from companies such as Allstate and Progressive. All the ads make an identical promise that drivers will save a bundle if you move your policy.

How does every car insurance company say the same thing? You have to listen carefully.

Companies have underwriting criteria for the driver that earns them the most money. A good example of this type of risk profile should be between the ages of 40 and 55, carries full coverage, and chooses high deductibles. Anyone who fits those characteristics will probably get cheap premium rates and have a good chance to save some money.

Potential customers who cannot meet these stringent criteria may receive a more expensive rate which results in the customer not purchasing. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can make those claims.

That is why you should get auto insurance quotes from several different companies. Because without a comparison, you cannot know which company will give you the biggest savings.

Smart buyers can save money

Part of the auto insurance buying process is learning the different types of things that help calculate the level of your policy premiums. When consumers understand what determines base rates, this helps enable you to make changes that may result in much lower annual insurance costs.

  • Companies want multiple policies – The majority of insurance companies apply lower prices to clients who consolidate policies with them in the form of a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to get quotes from other companies to help guarantee you have the best rates.There is a good possibility that you can save more without the discount even if you have your coverage with different companies
  • Rate your vehicle for proper use – The higher the miles on your Cadillac each year the more you’ll pay to insure your vehicle. Most insurance companies calculate prices partially by how you use the vehicle. Cars not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Improper usage on your Escalade can result in significantly higher rates. Ask your agent if your auto insurance policy is showing the proper vehicle usage.
  • Avoid unnecessary incidental coverages – There are quite a few add-on coverages that you can get tricked into buying if you don’t pay attention. Add-on coverages like roadside assistance, high-cost glass coverage, and motor club memberships may be costing you every month. These coverages may sound good when you first buy your policy, but if you don’t need them consider taking them off your policy.
  • Stay claim-free and save money – If you file a lot of claims you should expect either a policy non-renewal or much higher rates. Auto insurance companies provide better rates to drivers who do not rely on their insurance for small claims. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Youthful driver insurance premiums – Teenage drivers have a tendency to be inattentive in a vehicle therefore auto insurance rates are much higher. Adding a young driver to your policy can be very expensive. Older people have been proven to be more responsible, tend to file fewer claims and are safer drivers.
  • Bump up deductibles to lower rates – Physical damage deductibles define how much you are willing to pay if a covered claim is submitted. Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your car. Examples of covered claims are colliding with a stationary object, hail damage, and having a roll-over accident. The more you are required to pay out-of-pocket, the lower your rates will be on Escalade coverage.
  • Gender matters – Statistics have proven that females tend to be a little less risky than males. However, this does not mean females are better at driving than males. They both have fender benders at about the same rate, but the males cause more damage. Men also receive more costly citations such as DWI and reckless driving.

Lower-cost car insurance rates with discounts

Auto insurance companies don’t always publicize every available discount very clearly, so the following list contains a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying your policy on the internet.
  • Switch and Save Discount – A few larger companies give discounts for buying a policy early. You can save around 10% with this discount.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in high school.
  • Good Student Discount – Getting good grades could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Telematics Data Discounts – Insureds who allow companies to monitor vehicle usage by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as the data is positive.

Policy discounts save money, but many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, it doesn’t quite work that way.

A list of companies and some of the premium reductions they offer are outlined below.

  • 21st Century may have discounts that include automatic seat belts, teen driver, student driver, 55 and older, and early bird.
  • Progressive has savings for online quote discount, homeowner, online signing, multi-policy, good student, multi-vehicle, and continuous coverage.
  • State Farm policyholders can earn discounts including student away at school, good student, good driver, anti-theft, defensive driving training, driver’s education, and Drive Safe & Save.
  • Nationwide includes discounts for accident-free, good student, family plan, multi-policy, and business or organization.
  • Esurance offers discounts including multi-car, online shopper, Switch & Save, paid-in-full, claim free, safety device, and homeowner.
  • The Hartford may include discounts for vehicle fuel type, good student, driver training, anti-theft, air bag, defensive driver, and bundle.

When quoting, ask all the companies to apply every possible discount. Discounts might not be offered on policies in your area. If you would like to view insurers who offer online car insurance quotes, click this link.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different and your policy should reflect that. These are some specific questions might point out whether or not you might need professional guidance.

  • Do I have any recourse if my insurance company denies a claim?
  • What is the ISO rating for a 2014 Cadillac Escalade?
  • Am I covered when driving on a suspended license?
  • What is no-fault insurance?
  • Should I buy additional glass protection?
  • Is my babysitter covered when using my vehicle?
  • Who is covered when they drive my 2014 Cadillac Escalade?
  • Does liability extend to a camper or trailer?
  • Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage specifics

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most insurance policies.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses such as funeral costs, doctor visits, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover 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 can be used in place of medical payments coverage

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are set the same as your liablity limits.

Collision protection

This pays for damage to your Escalade resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Liability insurance

Liability coverage will cover injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, pain and suffering, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive protection

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, a broken windshield, falling objects and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Take this to the bank

While you’re price shopping online, you should never buy less coverage just to save a little money. There have been many situations where an insured cut collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Budget-conscious 2014 Cadillac Escalade insurance can be found from both online companies and with local insurance agents, so you need to shop auto insurance with both in order to have the best chance of saving money. A few companies do not offer online price quotes and usually these regional carriers prefer to sell through independent agencies.

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