Cheap 2006 Cadillac Escalade Insurance Cost

Buying the most affordable insurance coverage online may seem to be somewhat difficult for comparison shopping on the web. With such a large number of insurers to choose from, how are we expected to efficiently compare every possible option in order to find cheaper insurance coverage prices?

Smart consumers take time to compare rates before your next renewal because insurance rates are constantly changing. Just because you had the best rate on Escalade coverage on your last policy a different company probably has better prices today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the right way to find great coverage at a great price.

How to buy insurance coverage online

There are a lot of ways to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to quickly compare rates.

The majority of car insurance companies belong to an insurance system where insurance shoppers submit their information once, and at least one company returns a competitive quote for coverage. This saves time by eliminating quote forms for each company you want a rate for. To participate in this free quote system, click here to start a free quote.

The one disadvantage to using this type of system is that consumers can’t choose the providers you will receive quotes from. So if you prefer to pick individual companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use the same deductibles and coverage limits for every quote you compare. If your comparisons have different coverage information you can’t possibly make a fair comparison for your Cadillac Escalade. Slightly different coverages can make a big difference in price. And when comparing insurance coverage rates, know that comparing a large number of companies helps improve the odds of finding the best offered rates.

Don’t miss these premium-slashing discounts

Buying car insurance is not cheap, but there’s a good chance there are discounts that you may not know about. Some trigger automatically at quote time, but some discounts are required to be specially asked for before you get the savings.

  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase some life insurance too.
  • Government Employee Discount – Federal government employees can save as much as 8% on Escalade coverage with a few car insurance companies.
  • No Accidents – Drivers who stay claim-free can earn big discounts as opposed to accident-prone drivers.
  • Good Drivers – Accident-free drivers could pay up to 40% less on Escalade coverage compared to accident prone drivers.
  • Low Mileage Discounts – Driving less can earn cheaper premium rates.
  • Theft Deterent Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a insurance coverage quote.
  • 55 and Retired – Older drivers may qualify for a small decrease in premiums on Escalade coverage.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it can save substantially.
  • No Charge for an Accident – This isn’t a discount exactly, but certain companies permit an accident before they charge you more for coverage if you are claim-free for a set time period.
  • Distant College Student Discount – Kids who live away from home to go to college and do not take a car to college could get you a discount.

While discounts sound great, it’s important to understand that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, car insurance companies aren’t that generous. But any discount should definitely cut the amount you have to pay.

Popular car insurance companies and some of their more popular discounts are shown below.

  • Esurance offers discounts including homeowner, anti-lock brakes, paid-in-full, DriveSense, and anti-theft.
  • The Hartford may include discounts for driver training, good student, bundle, air bag, anti-theft, and defensive driver.
  • AAA offers premium reductions for anti-theft, education and occupation, pay-in-full, AAA membership discount, good driver, and multi-car.
  • Geico may offer discounts for air bags, multi-policy, defensive driver, good student, and multi-vehicle.
  • State Farm offers discounts for good student, defensive driving training, driver’s education, anti-theft, and multiple autos.

Before purchasing a policy, check with each company or agent which discounts you may be entitled to. Some discounts listed above may not apply to policyholders in your area. To view insurance companies with significant discounts, click this link.

Do I need special coverages?

When it comes to buying adequate coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • Am I insured when driving a different vehicle?
  • Should I put collision coverage on all my vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will my rates increase for filing one claim?
  • Is my 2006 Cadillac Escalade covered for flood damage?
  • Am I getting all the discounts available?
  • Is my teenager covered with friends in the car?
  • Exactly who is provided coverage by my policy?
  • I don’t drive much so do I pay less?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Six things that influence your insurance costs

Smart consumers have a good feel for the rating factors that help determine insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that can earn you much lower annual insurance costs.

The list below includes just a few of the factors utilized by car insurance companies to help set prices.

  • Your vocation and insurance rates – Careers such as fire fighters, architects and dentists are shown to have higher rates than average due to intense work situations and long work days. On the other hand, careers such as professors, athletes and retirees have the lowest average rates on Escalade coverage.
  • Rural vs Urban Areas – Choosing to live in areas with lower population has definite advantages if you are looking for the lowest rates. People in densly populated areas have more aggressive driving styles and much longer commute distances. Fewer drivers translates into fewer accidents in addition to lower liability claims
  • Tickets and citations cost more than a fine – Attentive drivers tend to pay less for car insurance as compared to careless drivers. Only having one speeding ticket or other violation can bump up the cost by twenty percent. Drivers unfortunate enough to have serious tickets like DWI, reckless driving or hit and run convictions may need to maintain a SR-22 with their state’s licensing department in order to continue driving.
  • Get cheaper costs after the wedding – Having a spouse can get you a discount when buying insurance. Marriage demonstrates that you tend to be more mature and statistics show being married results in fewer claims.
  • Maintain insurance coverage – Driving without insurance is illegal and as a result your rates will increase for letting your insurance expire. Not only will you pay more, failure to provide proof of insurance could result in a hefty fine and possibly a revoked license.
  • Qualify for multi-policy discounts – Some insurers will give a discount to insureds that buy multiple policies, otherwise known as a multi-policy discount. Even if you’re getting this discount drivers will still want to comparison shop to verify if the discount is saving money.

Slick advertising tricks that work

Companies like Progressive, Allstate and Geico continually stream ads on television and other media. All the companies make an identical promise about how much you will save after switching your car insurance policy to them. How is it possible that every company can say the same thing? It’s all in the wording.

Many companies have underwriting criteria for a prospective insured that will be a good risk. For example, a desirable risk may be a mature driver, has no tickets, and chooses high deductibles. A customer who matches that profile receive the lowest rate quotes and have a good chance to save money with a new company.

Potential insureds who may not quite match those criteria must pay a higher rate which translates to the customer buying from a different company. The trick companies use is to say “customers who switch” not “all people who quote” save that much money. That’s why insurance companies can confidently make the claims of big savings. Because of this risk profiling, drivers should do a rate comparison at every renewal. It is just not possible to predict the company that will give you the biggest savings.

Car insurance coverage information

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses for hospital visits, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive protection – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, hail damage, hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim 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.

Liability car insurance – This will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like structural damage, emergency aid, medical services and funeral expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Collision – Collision coverage covers damage to your Escalade caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, rolling your car, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Shop. Compare. Save.

Insureds switch companies for many reasons like questionable increases in premium, not issuing a premium refund, policy cancellation and delays in paying claims. Regardless of your reason for switching companies, finding a new auto insurance company can be easy and end up saving you some money.

Cheaper auto insurance can be bought from both online companies and also from your neighborhood agents, and you need to price shop both to have the best selection. Some companies may not offer online quoting and usually these small, regional companies provide coverage only through local independent agencies.

We just presented a lot of techniques to get a better price on 2006 Cadillac Escalade insurance. It’s most important to understand that the more companies you get prices for, the higher your chance of finding affordable insurance coverage. You may be surprised to find that the best price on auto insurance is with an unexpected company.

More information is available on the following sites:

Comments About 2006 Cadillac Escalade Insurance

  1. Jenniffer Bright

    Lifelong resident of Norman, OK. I got free prices from State Farm, Amica, and some I forget for my Escalade and I think I am saving around $70 each month. Was with Auto-Owners. Get lots of quotes to find the best rate.

  2. Lillia Brennan

    Cheap is not always the best policy. Went with Esurance for my Escalade and am saving around $280 a year.

  3. Christene House

    If you have a good history and live in the vicinity of Omaha, NE, check out 21st Century. They seem to be cheaper. Was with Mercury. Switched homeowners coverage too. It was easy to get rates.

  4. Latoria Conner

    Not sure what I should be paying. Lifelong resident of Greensboro, North Carolina. Compared quite a few companies. Saved about $20 a month. Allstate was the most affordable for me. Insured with Travelers before.

  5. Merissa Franklin

    Just my two cents. Proud to be from Paterson, NJ. Compared rates from a lot of places. Saved darn near $30 a month. 21st Century was the cheapest option for me. Can still barely afford it.

  6. Cordia Jackson

    From northwest of Tacoma, Washington. Got car insurance rates from American Family, Safeco, and USAA for my Escalade and saved $518 a year. Hopefully won’t need it.

  7. Lida Morales

    It’s all a rip off. Got a quote with The General for my Escalade and am saving around $390 a year. I used their online quote form to compare rates.

  8. Bree Willis

    I live east of Huntington, West Virginia. Got car insurance prices from GEICO, AAA, and some I forget for my 2006 Cadillac Escalade and saved around $340 a year. I’m a pretty good driver though.

  9. Alexia Bush

    Checking in from Kailua, Hawaii. Got quotes with 21st Century, The General, and Esurance for my Cadillac and saved $198 a year. Not sure if rates are cheaper online or not.

  10. Gussie Wiley

    If you’re a decent driver and live in the vicinity of Idaho Falls, ID, check out State Farm. They seem to be cheaper. Left Mercury to switch. Teenage drivers are expensive!

  11. Camila Johnson

    Can you buy custom paint coverage for a 2006 Cadillac Escalade?

  12. Regena Foley

    I live just outside Baltimore, MD. I got free quotes with Hanover, AIG Insurance, Safeco, and a couple others for my Cadillac and saved just over $530 a year.

  13. Deandra Lowery

    Corporate greed I’m telling you. Checking in from Aurora, CO. Checked online prices for a 2006 Cadillac Escalade. Ended up at about $460 savings annually. Went with 21st Century. Just waiting to see how claims go.

  14. Diann Santiago

    Lifelong resident of Gaithersburg, Maryland. I quoted with Progressive, Amica, and some I forget for my Escalade and saved $205 a year.

  15. Myrtice Carter

    Not sure if this is cheap. Located in Mobile, AL. Got car insurance quotes from AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my Cadillac and I think I saved about $40 each month. Insured with Western Auto Insurance before. Not sure about claim service.

  16. Geraldo Baxter

    I can’t pay high rates. I’m just west of Reno, NV. Can’t remember who all I quoted but I ended up saving about $70 each month. Insured with GMAC before.

  17. Phoebe Mckenzie

    Thought I’d throw in my experience. From West Valley City, UT. Got car insurance quotes from 21st Century, AIG Insurance, Esurance, and Hartford for my Cadillac and saved $243 a year. Was with Esurance. I have several vehicles insured with them. I got prices on the web.