2004 Cadillac Escalade EXT Insurance Cost

Searching for cheaper insurance coverage rates for your Cadillac Escalade EXT? Finding the best price on insurance coverage could seem overwhelming if you are one of the many people new to online price quotes. Don’t let that bother you because using the internet to shop for insurance coverage is actually quite easy.

It’s a good idea to compare prices occasionally because insurance prices are rarely the same from one policy term to another. Even if you got the lowest quotes for Escalade EXT insurance last year you may be paying too much now. Ignore everything you know about insurance coverage because you’re going to learn the proper way to save on insurance coverage.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these techniques. This information will tell you how to get online quotes and some tips to save money. But vehicle owners must understand how companies price online insurance and take advantage of how the system works.

Use discounts on auto insurance

Some insurance providers do not list all disounts very clearly, so the list below gives a summary of some of the best known and the more hidden credits available to bring down your rates. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease for Escalade EXT insurance depending on your auto insurance provider.
  • Active Military Service – Being on active duty in the military could mean lower prices.
  • Safety Course Discount – Successfully completing a course in safe driver is a good idea and can lower rates and easily recoup the cost of the course.
  • Student Discount for Driver Training – Have your child take driver’s ed class if it’s offered in school.
  • No Accidents – Claim-free drivers have much lower rates when compared with accident-prone drivers.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out some life insurance too.
  • Early Signing – A few larger companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.

One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, companies wouldn’t make money that way.

To choose auto insurance companies that can offer you the previously mentioned discounts, click this link.

The cheapest auto insurance rate quotes online

There are multiple methods to shop for auto insurance, but some are easier and takes less work. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could use the internet for quick rates.

Most major companies enroll in a system where insurance shoppers submit one quote, and each participating company then returns a price quote based on the submitted data. This system prevents you from having to do quotation requests to each individual auto insurance company.

To get comparison pricing now click here to start a free quote.

The only downside to pricing coverage this way is you can’t choose which providers to receive prices from. So if you prefer to pick from a list of companies to compare rates, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using equivalent coverages for every quote you compare. If your comparisons have different limits and deductibles on each one it will be next to impossible to make a fair comparison for your Cadillac Escalade EXT. Even a minor difference in coverage limits could throw off the whole comparison. And when price shopping your coverage, comparing all the rates in your area gives you a better chance of getting better pricing.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique.

These are some specific questions can aid in determining if your situation would benefit from professional advice.

  • If my 2004 Cadillac Escalade EXT is totaled, can I afford another vehicle?
  • When should I buy a commercial auto policy?
  • What is medical payments coverage?
  • How does medical payments coverage work?
  • Is my babysitter covered when using my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Does my 2004 Cadillac Escalade EXT need full coverage?
  • Do I have newly-aquired coverage?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Coverage specifics

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your 2004 Cadillac Escalade EXT.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage – Collision insurance will pay to fix damage to your Escalade EXT caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, X-ray expenses and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive protection – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, damage from flooding, theft and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance – Liability coverage provides protection from damage that occurs to people or other property. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as bail bonds, legal defense fees and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Spend less. Save more.

The cheapest 2004 Cadillac Escalade EXT insurance is attainable online and with local insurance agents, so get free insurance quotes from both of them so you have a total pricing picture. Some companies may not have online rate quotes and most of the time these regional insurance providers sell through independent agents.

In this article, we presented many ways to shop for 2004 Cadillac Escalade EXT insurance online. The most important thing to understand is the more you quote insurance, the higher your chance of finding the cheapest insurance. Drivers may discover the lowest premium rates come from the least-expected company.

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

More information can be read at the links below

Comments About 2004 Cadillac Escalade EXT Insurance

  1. Odell Powell

    Got a quote with State Farm for my Escalade EXT and am saving around $80 a year. It never hurts to quote around.

  2. Tomi Gamble

    Enjoyed the article. I live just outside Las Vegas, NV. Got prices from American Family, Encompass, and Sentry for my Cadillac and I’m now saving $25 a month. Insured with Erie before. I think they have home insurance too. I recommend comparing lots of rates. I dropped full coverage awhile back.

  3. Agustina Thornton

    I found cheap 2004 Cadillac Escalade EXT insurance in Green Bay, Wisconsin with Allstate.

  4. Ocie Hale

    I got decent rates for a 2004 Cadillac Escalade EXT in Tucson, Arizona. Ended up at darn near $110 every six months with AAA. Was with Hanover. I increased coverages a little too. Not sure if rates are cheaper online or through an agent. Just liability coverage since it’s getting old.

  5. Bobbi Peters

    Lots of useful info here. From Sioux Falls, South Dakota. Got free quotes online for a 2004 Cadillac Escalade EXT. Ended up at about $100 savings annually. Went with Allstate. Left Esurance to switch. When should I drop full coverage?

  6. Hubert Grimes

    Like your site, BTW. I live on the west side of Greensboro, North Carolina. Received quotes from MetLife, Encompass, Progressive, and AAA for my 2004 Cadillac Escalade EXT and I think I cut my rates about $20 each month. Left MetLife to switch. I used their website to get prices.

  7. Kyra Sheppard

    If you have a clean record and live near Warwick, RI, check out 21st Century. They seem to be cheaper. I think I’ll get rid of full coverage next time.

  8. Cayla Barker

    I compared a lot of rate quotes for a 2004 Cadillac Escalade EXT in Detroit, MI. Ended up at about $70 every six months with American Family. Left Hanover to switch. I’m a pretty good driver though. :P I dropped full coverage awhile back.

  9. Marchelle Jordan

    I got decent rates for a 2004 Cadillac Escalade EXT in Cleveland, OH. Ended up at darn near $80 every six months with AIG Insurance. Left Hanover to switch. I have a couple other vehicles on the policy. Full coverage costs too much.

  10. Shanae Dudley

    From northwest of Newark, Delaware. Got car insurance prices from AAA, Nationwide, and some smaller one I can’t remember the name of for my 2004 Cadillac Escalade EXT and saved $90 a year. I think they have home insurance too. You can get a rate quote online. I think I’ll get rid of full coverage next time.

  11. Melani Ray

    Great info, thanks for posting. Lifelong resident of Springfield, Massachusetts. Don’t remember every company but I ended up saving about $30 each month. Was with Hartford. They have a lot of discounts available.

  12. Larry Baird

    Hope my rates come down. From northwest of Huntington, West Virginia. Quoted prices online for a 2004 Cadillac Escalade EXT. Ended up at about $120 savings annually. Went with State Farm. I think they have home insurance too. It never hurts to quote around. Book value doesn’t justify full coverage anymore.

  13. Salina Coleman

    State Farm was cheapest for my 2004 Cadillac Escalade EXT in Memphis, TN.