How Much Does 2004 Cadillac Escalade Car Insurance Cost?

I doubt anyone likes paying for car insurance, especially knowing the prices are way too high. There are many insurers to insure vehicles with, and although it’s nice to have a selection, more choices can make it harder to locate the cheapest rates.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will be able to cut costs considerably using these techniques. Drivers just need to learn how to shop on the web.

Pay discount rates with these discounts

Not many people think insurance is cheap, but there are discounts available to reduce the price significantly. Some trigger automatically when you get a quote, but a few must be asked about prior to receiving the credit.

• Smart Student Discounts – Performing well in school may save you up to 25%. Earning this discount can benefit you up until you turn 25.
• Online Discount – Certain larger companies give back up to $50 for buying a policy and signing up digitally online.
• Sign Early and Save – Some car insurance companies give discounts for switching policies before your current coverage expires. This discount can save up to 10%.
• Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.
• Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education as it can save substantially.
• Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts should definitely cut the premium cost.

A few companies who might offer many of the previously listed discounts include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

If you are trying to find the cheapest insurance coverage quotes, ask each insurance company which credits you are entitled to. Some credits may not apply to policyholders in your area. If you would like to view companies who offer car insurance discounts, follow this link.

How to compare auto insurance quotes

All major auto insurance companies give pricing on the web. The process is quite simple because you just enter your personal and coverage information on the page. When the form is submitted, their quoting system will obtain credit information and your driving record and gives you a price quote based on the information you submitted. This makes it simple to compare prices but the time required to go to multiple sites and type in your information can get tiresome after awhile. But it’s very important to have as many quotes as possible if you are searching for the lowest possible prices on auto insurance.

The quickest way to lower your auto insurance bill is to use a quote form to obtain quotes from several companies at one time. This type of form saves time, requires less work, and makes online price comparison much more enjoyable. After sending the form, it is quoted with multiple companies and you can pick any one of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the policy. It takes just a few minutes to complete and may result in a nice savings.

If you want to compare rates now, click here to open in new window and enter your information. If you have coverage now, it’s recommended you copy the coverage information as close as possible to your current policy. This ensures you are getting an apples-to-apples comparison for the exact same coverage.

Your situation helps dictate your coverage

When choosing the best insurance coverage coverage, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions could help you determine whether you will benefit from professional help.

• Do I need replacement cost coverage on my 2004 Cadillac Escalade?
• If I drive on a suspended license am I covered?
• Am I insured when driving a different vehicle?
• Should I rate my 2004 Cadillac Escalade as pleasure use or commute?
• Are rental cars covered under my policy?
• Can my babysitter drive my car?
• Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Information about specific coverages

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for doctor visits, hospital visits, pain medications, chiropractic care and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This will pay to fix damage to your Escalade caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, crashing into a building, scraping a guard rail and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Liability

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, 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 claims like repair costs for stationary objects, medical expenses, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, hail damage, hitting a bird and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2004 Cadillac Escalade.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Be a money saver!

In this article, we presented a lot of techniques to save on 2004 Cadillac Escalade insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates come from some of the lesser-known companies. They can often provide lower prices in certain areas compared to the large companies like Progressive and Geico.

Cheaper 2004 Cadillac Escalade insurance can be bought on the web in addition to many insurance agents, so you need to shop insurance coverage with both to have the best rate selection. Some insurance coverage companies do not provide internet price quotes and these small insurance companies provide coverage only through independent insurance agents.

More tips and info about insurance coverage can be read at these sites:

• Liability Insurance Coverage (Nationwide)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Child Safety FAQ (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)