2006 Cadillac Escalade ESV Car Insurance Rates – 5 Ways to Save

Did you make the mistake of buying an expensive auto insurance policy? Trust us when we tell you there are lots of people in the same boat. There are many auto insurance companies to pick from, and though it is a good thing to have multiple companies, it can be more challenging to find the best rates.

The purpose of this post is to let you in on how to get online quotes. If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. Vehicle owners just need to learn the proper way to compare rates on the web.

Which auto insurance is cheapest?

All the larger auto insurance companies make it easy to get coverage price quotes on their websites. Getting quotes is fairly simple as all you need to do is type in the amount of coverage you want on the page. After the form is submitted, the quote system pulls your credit score and driving record and generates a price based on the data you entered. This helps simplify price comparisons, but the time required to go to each company’s website and repetitively enter the same data into a form is not the best way to spend an afternoon. But it is imperative to perform this step in order to get a lower rate.

The smarter way to compare rates makes use of a single form to return rates from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. After sending the form, it is rated and you can choose any one of the returned quotes.

If you find a better price you can simply submit the application and buy the new coverage. It only takes a few minutes and can result in significant savings.

If you want to compare rates now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you duplicate the coverages exactly as they are listed on your policy. This helps ensure you are getting an apples-to-apples comparison for the exact same coverage.

Drivers save money with with these five discounts

Some insurers don’t always list every available discount in an easy-to-find place, so we took the time to find both the well known as well as some of the hidden ways to save on auto insurance.

  • E-sign Discounts</strong – Some of the larger companies will give you a small discount for buying your policy on the internet.
  • Own a Home and Save – Just owning your own home can help you save on auto insurance since owning and maintaining a home shows financial diligence.
  • Data Collection Discounts – Drivers who elect to allow driving data collection to monitor driving habits by installing a telematics device such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as Geico, State Farm, and Progressive will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
  • Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.

Discounts save money, but please remember that most credits do not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way.

Some companies that may have most of the discounts above include:

If you need the cheapest insurance coverage quotes, ask every insurance company which discounts they offer. A few discounts might not be offered on policies in your area. If you would like to view insurance companies with discount rates, click this link.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.

  • Do I pay less if my vehicle is kept in my garage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does coverage extend to my business vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if my car is in a flood?
  • Is my 2006 Cadillac Escalade ESV covered for smoke damage?
  • Do I have coverage for damage caused while driving under the influence?
  • Does insurance cover damages from a DUI accident?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance 101

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Liability coverage – This coverage can cover damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like medical services, court costs, funeral expenses, emergency aid and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as nursing services, funeral costs, surgery and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your Escalade ESV from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Cadillac Escalade ESV.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, falling objects and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

One last thing about your coverage

We just showed you quite a bit of information on how to get a better price on 2006 Cadillac Escalade ESV insurance. The most important thing to understand is the more you quote insurance coverage, the better your comparison will be. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Low-cost 2006 Cadillac Escalade ESV insurance can be purchased on the web as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and these small, regional companies provide coverage only through local independent agencies.

More tips and info about car insurance can be found in the articles below:

Comments About 2006 Cadillac Escalade ESV Insurance

  1. Shin Gamble

    I’m in the suburbs of Raleigh, North Carolina. Quoted with MetLife, Esurance, GEICO, and AAA for my 2006 Cadillac Escalade ESV and saved $393 a year. Left Esurance to switch. Got better coverage too.

  2. Basilia Hebert

    Does GEICO settle claims fairly?

  3. Julian Murphy

    State Farm quoted the best rates in Idaho.

  4. Lulu Webb

    I’m in New Haven, Connecticut, and Allstate rates were affordable. Insured with Eastwood before. A clean driving record helps. I recommend comparing lots of rates.

  5. Niesha Hicks

    From south side of San Antonio, TX. I quoted with AAA, Eastwood, and MetLife for my 2006 Cadillac Escalade ESV and I’m now saving $57 a month.

  6. Cherish Singleton

    Anyone try to read their policy?

  7. Cordell Ware

    Here’s my info. From Raleigh, NC. Quoted prices online for a 2006 Cadillac Escalade ESV. Ended up at about $360 savings annually. Went with State Farm. Insured with GEICO before. Switched homeowners coverage too.

  8. Dominica Nunez

    I’m from Fort Wayne, Indiana. Quoted prices from Amica, Safeco, and Western Auto Insurance for my Escalade ESV and I’m now saving $62 a month. Moved home policy as well. Bought it from an online quote.

  9. Debera Rosario

    I compared a lot of rate quotes for a 2006 Cadillac Escalade ESV in Lincoln, NE. Ended up at right around $240 every six months with AIG Insurance. My new agent seems to be really good.

  10. Jamey Howell

    Hope my car insurance gets cheaper. I’m in the suburbs of South Burlington, Vermont. Got quotes from Progressive, Hartford, and Eastwood for my 2006 Cadillac Escalade ESV and cut my rates about $290 a year. I have kids on my policy, too. Not sure if rates are cheaper online or through an agent.

  11. Yvette Wooten

    I got decent rates for a 2006 Cadillac Escalade ESV in Madison, Wisconsin. Ended up at about $320 every six months with AAA.

  12. Michaela Shannon

    Cheaper car insurance is a myth. I’m in Greensboro, NC. Received rates from Sentry, Esurance, Allstate, and Amica for my Cadillac and saved $223 a year. Highly recommended.

  13. Torie Mccoy

    I live in Albuquerque, NM. I quoted with USAA, Amica, Liberty Mutual, and Mercury for my Escalade ESV and saved just over $390 a year. Even increased my liability limits. Hardly afford to drive anymore.

  14. Raina Barnes

    If you don’t have tickets and live in the vicinity of Tucson, AZ, check out State Farm. You might save some money. Are quotes cheaper online?

  15. Darci Spencer

    For me, Progressive was by far the cheapest in Gaithersburg, MD.