Lower Your 2008 Cadillac Escalade ESV Insurance Rates

Looking for the cheapest auto insurance rates for your Cadillac Escalade ESV? Have you finally had enough of scraping the payment together to insure your Cadillac every month? Your situation is no different than most other vehicle owners.

Popular companies such as Allstate, Liberty Mutual and State Farm promote their brand names with fancy advertisements and it can be hard to see through the deception and find the best price available.

How much is car insurance?

Most of the larger companies allow consumers to get coverage price quotes directly from their websites. Doing online quotes is very simple as all you need to do is type in your coverage information into the form. After you complete the form, the company’s rating system gets your driving and credit reports and returns a price determined by many factors. Online price estimates makes it a lot easier to compare rates but the time it takes to visit multiple sites and type in the same data is not the best way to spend an afternoon. But it’s also necessary to perform this step if you want to get the lowest price.

The easiest way to find cheaper rates uses just one form that analyzes rates from multiple companies. The form is fast, requires much less work on your part, and makes price shopping online much more efficient. Immediately after you send the form, your coverage is rated and you can select any of the returned quotes. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The whole process takes just a few minutes to complete and may result in a nice savings.

To fill out one form to compare multiple rates now, click here and fill out the form. If you currently have coverage, we recommend you enter deductibles and limits exactly as they are listed on your policy. This guarantees you will have rate comparison quotes using the same coverage and limits.

Are you earning every discount?

Some insurance providers don’t necessarily list every possible discount in an easy-to-find place, so below is a list a few of the more well known as well as some of the hidden discounts that may be available.

New Vehicle Savings – Buying a new car instead of a used car can get you a discount compared to insuring an older model.
Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
Multiple Cars – Buying a policy with more than one vehicle on one policy can get a discount for every vehicle.
E-sign Discounts – Some of the larger companies will give you a small discount for completing your application online.
Onboard Data Collection – Drivers who agree to allow driving data submission to study when and where they use their vehicle by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may get savings of more than 20%.
Professional Memberships – Being a member of a qualifying organization could trigger savings when shopping for insurance.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will definitely lower your policy cost.

A few popular companies and their possible discounts are outlined below.

State Farm may include discounts for driver’s education, anti-theft, good student, passive restraint, safe vehicle, good driver, and student away at school.
Nationwide includes discounts for easy pay, multi-policy, anti-theft, family plan, good student, accident-free, and business or organization.
GEICO policyholders can earn discounts including daytime running lights, five-year accident-free, military active duty, driver training, emergency military deployment, good student, and multi-policy.
AAA has discounts for multi-policy, good driver, multi-car, pay-in-full, and AAA membership discount.
21st Century offers discounts including automatic seat belts, anti-lock brakes, homeowners, 55 and older, and teen driver.
The Hartford offers discounts for air bag, defensive driver, anti-theft, vehicle fuel type, good student, driver training, and bundle.

Before you buy a policy, ask every prospective company how you can save money. Some discounts listed above may not be available in your area. To locate companies that offer discounts, follow this link.

When in doubt talk to an agent

When it comes to choosing the best auto insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether you may require specific advice.

Where can I find high-risk insurance?
Do I need PIP (personal injury protection) coverage in my state?
Is my ex-spouse still covered by my policy?
When does my teenage driver need to be added to my policy?
Do I have any recourse if my insurance company denies a claim?
Do I have coverage when pulling a U-Haul trailer?
Am I covered when driving in Canada or Mexico?
Is my Cadillac Escalade ESV covered if I use it for business?
Can I afford low physical damage deductibles?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverage information

Having a good grasp of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as funeral expenses, medical services, bail bonds, pain and suffering and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills such as dental work, funeral costs and chiropractic care. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, a tree branch falling on your vehicle, damage from flooding, hitting a bird and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Escalade ESV from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, rolling your car, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2008 Cadillac Escalade ESV.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.