How Much Does 2002 Cadillac Escalade EXT Car Insurance Cost?

Trying to find cheaper insurance for your Cadillac Escalade EXT can turn out to be difficult, but you can use the following methods to make it easier. There is a better way to buy insurance coverage and you need to know the absolute fastest way to quote coverages on a Cadillac and find the cheapest rates from local insurance agents and online providers.

Don’t overlook these insurance discounts

Companies that sell car insurance don’t always advertise all disounts very well, so the below list has both well-publicized and also the lesser-known ways to save on insurance.

  • Theft Prevention System – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your car insurance quote.
  • Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their car insurance quote on Escalade EXT coverage than less cautious drivers.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
  • Discounts for Government Workers – Employees or retirees of the government can save as much as 8% on Escalade EXT coverage depending on your insurance provider.
  • Senior Citizen Discount – Older drivers may qualify for a discount up to 10% on Escalade EXT coverage.

Discounts lower rates, but some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will help lower your policy premiums.

For a list of providers with significant discounts, click here.

How to compare free insurance rate quotes

All the larger insurance companies allow you to get price estimates direct online. The process is easy for anyone as all you need to do is type in the coverage amounts you desire as detailed in the form. Once you submit the form, their quoting system collects credit information and your driving record and generates a price based on these factors.

This makes it a lot easier to compare rates but the process of having to visit multiple sites and type in your information can be a bit repetitive. But it’s also necessary to perform this step if you want to find lower prices.

There is an easier way to compare rates

The easiest way to lower your rates is to use a quote form that analyzes rates from multiple companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more efficient. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes. If a lower price is quoted, you simply finish the application and purchase coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To save time and get comparison pricing now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate deductibles and limits as shown on your current policy. Using the same limits helps guarantee you will be getting comparison quotes using the same coverage and limits.

When to get professional advice

When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • Should I drop comprehensive coverage on older vehicles?
  • What are the financial responsibility laws in my state?
  • What can I do if my company denied a claim?
  • Am I covered when driving a rental car?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • How much liability coverage do I need in my state?
  • Can I still get insurance after a DUI?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a Cadillac Escalade EXT

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as funeral costs, X-ray expenses, doctor visits and EMT expenses. They are often 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 getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from getting keyed, a tree branch falling on your vehicle, falling objects and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Cadillac Escalade EXT.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability coverages

Liability insurance will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims like pain and suffering, repair bills for other people’s vehicles, medical expenses and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Buy online or local, you save

When shopping online for insurance, you should never skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

Consumers who switch companies do it for a number of reasons such as poor customer service, not issuing a premium refund, lack of trust in their agent or delays in paying claims. Regardless of your reason, finding the right insurance provider is actually quite simple.

In this article, we covered a lot of ways to compare 2002 Cadillac Escalade EXT insurance premium rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper car insurance. You may even discover the lowest premium rates come from a smaller regional carrier.

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