2007 Cadillac Escalade EXT Insurance Quotes

Searching for better insurance prices for a Cadillac Escalade EXT could be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the quickest way to get price quotes for your Cadillac and get the lowest price either online or from local insurance agents.

You should take the time to compare rates before your policy renews because insurance coverage prices change frequently. Just because you found the lowest price for Escalade EXT coverage at your last renewal the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the easiest way to properly buy coverages and cut your premium.

Choosing the best insurance company for you is not rocket science. If you have a current car insurance policy or need a new policy, you can learn to find better prices and possibly find even better coverage. Consumers only need an understanding of the proper methods to shop their coverage around online.

You may qualify for discounts

Insuring your fleet can be pricey, but you may find discounts that you may not even be aware of. Certain reductions will be credited when you purchase, but less common discounts must be manually applied before you get the savings.

  • Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.
  • Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. The good student discount can last well after school through age 25.
  • Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction for Escalade EXT coverage with certain companies.
  • Claim Free – Good drivers with no accidents are rewarded with significantly better rates on insurance quote as opposed to bad drivers.

As a sidenote, some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way.

If you would like to view providers who offer free insurance quotes, follow this link.

How to buy insurance coverage

Finding a lower price on 2007 Cadillac Escalade EXT insurance is not rocket science. All you need to do is take a few minutes to compare rate quotes from online providers. Rate comparisons can be done by following the guidelines below.

  1. One of the simplest ways to get the best comparison quotes is a comparison rater form (click to open form in new window). This form keeps you from doing separate quotation requests to each individual insurance coverage company. One quote request gets prices estimates direct from many companies. This is by far the quickest method.
  2. A slightly less efficient method to analyze rates requires visiting each company’s website and go through the quote process again. For examples sake, we’ll assume you want rates from Farmers, Allstate and GMAC. To find out each rate you need to go to each individual site to enter the same coverage data repeatedly, which is why most consumers use the first method.

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

  3. The least efficient way to find lower rates is driving to and from local insurance agencies. Buying insurance online eliminates this option unless your situation requires the professional abilities that can only be provided by a licensed insurance agent. Although, it is possible comparison shop online but buy from a local insurance agent.

Whichever method you choose, make darn sure you compare the same deductibles and coverage limits for each quote you get. If you enter unequal deductibles or liability limits then you won’t be able to make an equal comparison.

There’s no such thing as the perfect auto insurance policy

When it comes to buying the best auto insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • Should I put collision coverage on all my vehicles?
  • Should I bundle my homeowners policy with my auto?
  • Does coverage extend to my business vehicle?
  • Should I buy full coverage?
  • Will my insurance pay for OEM parts?
  • Do I need motorclub coverage?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Specific coverages for a Cadillac Escalade EXT

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, hitting a bird, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as prosthetic devices, dental work, X-ray expenses, doctor visits and surgery. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your Escalade EXT resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, colliding with a tree and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your 2007 Cadillac Escalade EXT.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for liability – Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as funeral expenses, legal defense fees, structural damage and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Be a money saver!

When buying insurance coverage, never buy poor coverage just to save money. There have been many cases where drivers have reduced physical damage coverage only to find out they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the best price.

Consumers leave their current company for many reasons like policy cancellation, being labeled a high risk driver, an unsatisfactory settlement offer and even high prices. No matter why you want to switch, switching companies is not as difficult as it may seem.

Throughout this article, we presented some good ideas how to compare 2007 Cadillac Escalade EXT insurance prices online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding inexpensive insurance. Drivers may discover the lowest prices are with a small mutual company.

For more information, feel free to browse the articles below: