View 2004 Cadillac Escalade ESV Insurance Rates

If price shopping insurance coverage quotes online is new to you, you can easily be confused by the confusing number of insurance companies all offering big savings.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. But car owners can benefit by having an understanding of the methods companies use to compete online and use this information to your advantage.

Save with these discounts

Auto insurance companies don’t always publicize their entire list of discounts very well, so the list below contains both well-publicized and the more hidden ways to save on car insurance.

• Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings on your next car insurance statement.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Responsible Driver Discounts – Safe drivers can pay as much as 50% less for Escalade ESV coverage compared to accident prone drivers.
• Discount for Life Insurance – Larger car insurance companies have a break if you buy a life insurance policy as well.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay much less when compared to policyholders that have many claims.
• Multiple Vehicles – Buying insurance for multiple vehicles with one company can get a discount for every vehicle.
• New Car Discount – Adding a new car to your policy can save up to 30% because new model year vehicles have to meet stringent safety requirements.
• Military Deployment Discount – Being deployed with a military unit may lower your rates slightly.
• Payment Method – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
• Discount for Good Grades – This discount may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students up to age 25.

Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, you’re out of luck.

A partial list of companies that have some of the above discounts include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

When getting a coverage quote, ask each company which credits you are entitled to. Some discounts might not be offered on policies everywhere. To see providers who offer free car insurance quotes, click here to view.

How to buy insurance online

There are several ways to compare insurance quotes, and some are less time-consuming than others. You could waste time talking to insurance agencies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most of the larger companies enroll in a system that enables customers to submit their information once, and every company can give them a price determined by their information. This saves time by eliminating repetitive form submissions for every insurance company.

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

One minor caviat to using this type of form is you cannot specify the companies you want pricing from. So if you prefer to choose individual companies to compare prices, we put together a list of companies who write insurance in your area. Click to view list.

Take whichever approach you prefer, but be sure to compare equivalent coverages for every company. If you use differing limits it’s not possible to determine which company has the best rates. Just slight variations in insurance coverages or limits may result in large price differences. And when quoting insurance, remember that making a lot of price comparisons gives you a better chance of getting a better price.

Why your insurance costs might be higher

Many different elements are taken into consideration when you get your auto insurance bill. Some factors are common sense like your driving record, but some are less apparent such as your credit history or how safe your car is.

• Are females or males drivers cheaper? – Over time, data shows women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Both genders are in auto accidents in similar numbers, but the male of the species get into accidents with more damage. Not only that, but men also receive more major tickets like reckless driving and DUI. Male teenagers are several times more likely to be in an accident so they pay the highest premiums.
• Use credit responsibly and save – A driver’s credit rating can be an important factor in determining your rates. Insureds that have high credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit scores. If your credit rating can use some improvement, you could save money insuring your 2004 Cadillac Escalade ESV by spending a little time repairing your credit.
• Do thieves like your car? – Selecting a car model with advanced anti-theft systems can help bring down rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent vehicle theft.
• Bad drivers pay high prices – Being a careful driver impacts your car insurance rates tremendously. Only having one moving violation may cause rates to rise to the point where it’s not affordable. Drivers who don’t get tickets get better prices compared to bad drivers. Drivers who get flagrant violations like DUI or reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
• Don’t cut corners with liability protection – Your car insurance policy’s liability coverage kicks in when a court rules you are at fault for causing personal injury or damage in an accident. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not cut corners here.
• Only buy extra coverages you need – There are many add-on coverages that can add up but may not be useful. Coverages for personal injury protection, better glass coverage, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas when buying your policy, but if you’ve never needed them in the past remove them from your policy.
• Better car insurance rates on cars with good safety ratings – Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles protect occupants better and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy. If the Cadillac Escalade ESV earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

Special considerations

When it comes to buying coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

• Should I have combined single limit or split liability limits?
• When do I need to add a new car to my policy?
• Why does it cost so much to insure a teen driver?
• Why do I need rental car insurance?
• When should my teen driver be added to my policy?
• Do I benefit by insuring my home with the same company?
• How can I force my company to pay a claim?
• Do I need more liability coverage?
• How much liability do I need to cover my assets?
• Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Auto insurance policy specifics

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole, driving through your garage door, crashing into a building and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac Escalade ESV.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for doctor visits, nursing services, funeral costs, X-ray expenses and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, falling objects and vandalism. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, funeral expenses and medical expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Have the Midas touch

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced physical damage coverage and learned later that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, policy non-renewal, denial of a claim and not issuing a premium refund. Regardless of your reason for switching companies, switching insurance coverage companies is not as hard as you think.

We just showed you many tips how you can get a better price on 2004 Cadillac Escalade ESV insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.

Even more information can be found at these sites:

• Distracted Driving Statistics (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Bodily Injury Coverage (Liberty Mutual)
• Auto Insurance 101 (About.com)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)