View 2003 Cadillac Escalade EXT Car Insurance Quotes

Cutting costs on insurance could be hard for people who are beginners to online comparison shopping. With more and more companies, it can turn into a ton of work to find the best premium rates.

You should make it a habit to compare rates at least once a year since prices are rarely the same from one policy term to another. Even if you think you had the best price on Escalade EXT insurance at your last renewal the chances are good that you can find a lower rate quote today. You can find a lot of information about insurance online, but in just a couple of minutes you can learn some proven techniques to lower your insurance rates.

Buying car insurance is not rocket science. If you have car insurance now, you will be able to cut costs considerably using these methods. But vehicle owners must understand the methods companies use to market insurance on the web and take advantage of how the system works.

Which insurance coverage is cheapest?

When looking for the cheapest insurance coverage quotes, there are a couple ways to compare prices from many different insurance companies. The quickest method to compare 2003 Cadillac Escalade EXT insurance prices is to get quotes online. This is quite simple and can be completed in just a few minutes using one of these methods.

  1. The recommended way to get quotes is to use a rate comparison form like this one (opens in new window). This quick form eliminates the need for repetitive form submissions for every prospective company. In just a few minutes this one form compares rates instantly.It’s the quickest way to get rates.
  2. A different way to shop for insurance coverage online requires a trip to each company website to request a price quote. For sake of this example, we’ll assume you want to view quotes from Auto-Owners, Esurance and American Family. In order to get each rate, you would have to spend time on each company’s site and repeatedly enter your information, which is not fast way to get rate quotes.

    For a list of links to insurance companies in your area, click here.

  3. The least efficient and most time consuming way to compare price quotes is going to insurance agencies in your area. Comparing online rate quotes makes this unnecessary unless you have a complicated situation and need the peace of mind that can only be provided by a licensed insurance agent. Drivers can comparison shop online but buy the policy through an agent.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverage limits for each price quote. If you have mixed coverages you will not be able to determine the lowest rate for your Cadillac Escalade EXT. Quoting even small variations in insurance coverages or limits can result in a big premium difference. And when comparison shopping, quoting more helps improve the odds of finding the best price. Not every company does price estimates online, so you need to compare price estimates from them as well.

Reduce your insurance rates with discounts

Some insurers do not list all available discounts in an easy-to-find place, so the next list breaks down both well-publicized and also the lesser-known credits available to bring down your rates.

  • Military Deployment Discount – Being on active deployment in the military may qualify for rate reductions.
  • Government Employees – Employees or retirees of the government could qualify for a slight premium decrease on Escalade EXT insurance depending on your company.
  • No Accidents – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote in comparison with insureds who have frequent claims or accidents.
  • Low Mileage Discounts – Low annual miles can earn discounted rates on garaged vehicles.
  • Own a Home and Save – Being a homeowner can help you save on insurance since owning and maintaining a home requires personal responsibility.
  • Distant College Student Discount – Kids who attend college more than 100 miles from home and do not have a car may be insured at a cheaper rate.
  • Driver Education Discount – Teen drivers should enroll in driver’s education in school or through a local driver safety program.
  • Paper-free Discount – Some of the larger companies will give you a small discount for buying your policy online.
  • Save over 55 – Seniors may be able to get reduced rates on Escalade EXT insurance.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will definitely reduce the amount you have to pay.

To see insurance companies with significant discounts, click here.

You are unique and your insurance should be too

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • Does my 2003 Cadillac Escalade EXT need full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my custom paint covered by insurance?
  • Should I waive the damage coverage when renting a car?
  • Does having multiple vehicles earn me a discount?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Specifics of your auto insurance policy

Knowing the specifics of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, theft, hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as EMT expenses, prosthetic devices and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision coverage will pay to fix damage to your Escalade EXT resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Cadillac Escalade EXT.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Liability coverage

This coverage can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, funeral expenses, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.