2004 Cadillac Escalade EXT Car Insurance Quotes

Looking for better auto insurance rates? Shoppers have lots of choices when shopping for the best price on Cadillac Escalade EXT insurance. You can either spend your time calling around to compare prices or save time using the internet to make rate comparisons. There are more efficient ways to buy auto insurance and we’ll show you the proper way to get price quotes for a new or used Cadillac and locate the lowest possible price from both online companies and local agents.

It’s important to do rate comparisons quite often because auto insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest price for Escalade EXT coverage on your last policy you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to demonstrate the fastest way to properly buy coverages while reducing your premium.

If you are insured now or need a new policy, you can use these techniques to find the best rates and still get good coverage. The purpose of this article is to instruct you on how to get online quotes. Consumers only need an understanding of the best way to compare price quotes on the web.

Seven things that impact your insurance prices

Lots of things are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, although others are less apparent like your vehicle usage or how safe your car is.

  • Safer vehicles cost less to insure – Vehicles with high crash test scores tend to be cheaper to insure. These vehicles reduce occupant injuries and better occupant protection means your insurance company pays less and lower rates for you.
  • Do thieves like your car? – Choosing a vehicle that has a built-in theft deterrent system can get you a discount on your insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping vehicle theft.
  • Pay more by driving carelessly – Getting just one driving citation can bump up the cost substantially. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers with severe violations such as DUI or reckless driving may find they need to maintain a SR-22 with the DMV in their state in order to prevent their license from being revoked.
  • Be proud to be claim-free – If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies award discounts to insureds who do not file claims often. Your insurance policy is intended for claims that pose a financial burden.
  • You might pay more if you are single – Getting married actually saves money on your insurance policy. Having a spouse may mean you are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Does auto insurance cost less for women? – Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents at about the same rate, but the men get into accidents with more damage. Men also tend to get more serious tickets such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore pay the highest rates.
  • Do you save by driving less? – Driving more miles annually the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based upon how much you drive. Vehicles not used for work or commuting can be on a lower rate level than vehicles that are driven to work every day. Incorrect rating for your Escalade EXT is just wasting money. It’s a good idea to make sure your insurance declarations sheet is showing annual mileage, because improper ratings can cost you money.

How much does insurance coverage cost?

There are a lot of ways to compare insurance coverage quotes, but one way is more efficient than others. You can waste a few hours (or days) driving to insurance companies in your area, or you could save time and use online quoting to get prices fast.

Many companies take part in a program that enables customers to enter their coverage request one time, and at least one company then returns a price quote for coverage. This saves time by eliminating repetitive form submissions to each company.

To compare rates using this form now click here to open in new window.

The only downside to pricing coverage this way is buyers cannot specifically choose which carriers to receive prices from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

Whichever way you choose to compare rates, be certain you are entering exactly the same coverage limits and deductibles for each quote you get. If each company quotes differing limits you will not be able to get a fair rate comparison.

Insurance advertisements

Consumers can’t ignore all the ads that claim the cheapest rates from the likes of Progressive, GEICO, Allstate and State Farm. They all make an identical promise about how much you will save if you move your policy.

But how can every company lower your rates?

Insurance companies have specific characteristics for a prospective insured that will most likely be profitable. For example, this type of risk profile could be over the age of 45, owns their home, and drives a safe vehicle. A driver who matches that profile receive the lowest rate quotes and will most likely save when they switch companies.

Insureds who don’t measure up to the requirements will probably be forced to pay higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. That is how companies can make the claims of big savings. This emphasizes why drivers should get price quotes at each policy renewal. It’s just too difficult to predict which company will be your best fit.

Slash your insurance rates with discounts

Some providers do not advertise all available discounts in a way that’s easy to find, so the following is a list of a few of the more common and also the lesser-known credits that you can use to lower your rates.

  • Own a Home and Save – Owning your own home or condo can earn you a little savings because owning a home demonstrates responsibility.
  • Active Military Service – Being deployed in the military could trigger a small discount.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • E-sign Discounts – Some of the larger companies will give you a small discount for completing your application on their website.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • Farmers Insurance includes discounts for teen driver, early shopping, electronic funds transfer, switch companies, multi-car, bundle discounts, and mature driver.
  • State Farm discounts include student away at school, accident-free, multiple autos, multiple policy, and Drive Safe & Save.
  • Liberty Mutual has discounts for preferred payment discount, safety features, new move discount, hybrid vehicle, and new graduate.
  • MetLife may have discounts that include defensive driver, good driver, good student, claim-free, multi-policy, accident-free
  • Progressive has savings for online quote discount, online signing, continuous coverage, multi-policy, multi-vehicle, and good student.

When quoting, ask each insurance company which discounts you may be entitled to. Savings might not be available to policyholders in your area. If you would like to see a list of providers that offer the discounts shown above, click here.

You are unique and your insurance coverage should be too

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • What is UM/UIM insurance?
  • How much liability insurance is required?
  • Does medical payments coverage apply to all occupants?
  • Why am I required to buy high-risk coverage?
  • Does liability extend to a camper or trailer?
  • Can I make deliveries for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need higher collision deductibles?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Understanding the coverages of insurance helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, doctor visits, hospital visits and surgery. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto collision coverage

This covers damage to your Escalade EXT resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, rolling your car, damaging your car on a curb, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Liability

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as bail bonds, structural damage, attorney fees, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, theft, fire damage and a broken windshield. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac Escalade EXT.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Compare but don’t skimp

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at an affordable rate.

We’ve covered some good ideas how you can reduce 2004 Cadillac Escalade EXT insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Drivers may discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Cheaper auto insurance is definitely available online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not have the ability to get a quote online and most of the time these smaller companies only sell coverage through independent agents.

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