Compare 2007 Cadillac Escalade EXT Car Insurance Quotes

Searching for the cheapest insurance rates for your Cadillac Escalade EXT? Are you at wits end from trying to scrape together enough money each month for insurance? Your situation is no different than most other consumers.

Consumers have so many insurers to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to find the best rates.

Finding affordable coverage is easy if you know what you’re doing. Basically, anyone who buys insurance will most likely be able to find lower rates. Nevertheless, drivers must know how the larger insurance companies sell online.

The cheapest insurance coverage quotes

When comparison shopping, there are several ways to compare prices from different insurance companies. The best method to comparison shop consists of obtaining rate quotes online. This can be accomplished in a couple minutes as outlined below.

1. Probably the best way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate forms for each price estimate. In just a few minutes this one form gets you coverage quotes direct from many companies.
2. A more difficult way to get quotes online consists of going to the website for each individual company and repeat the quote process again and again. For instance, let’s say you want to see prices from Auto-Owners, Geico and American Family. To find out each rate you need to spend time going to each site individually to input your insurance information, and that explains why we recommend the first method.

   For a list of companies in your area, click here.

3. The least recommended method to price shop rates is making phone calls or going to each insurance agency near you. Quoting and buying insurance online reduces the need to sit down with an agent unless you require the trained guidance of a local agency. It is possible with some companies obtain prices from the web but buy the policy through an agent.

However you get your quotes, double check that you are using exactly the same coverage data on every quote. If you enter differing limits it’s impossible to get a fair rate comparison. Slightly different insurance coverages may result in a large different in cost. And when comparison shopping, comparing more quotes helps you find the best price. Some smaller insurers to not give price estimates online, so it’s important to compare price quotes from them as well.

How much car insurance do I need?

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different so this has to be addressed. These are some specific questions may help you determine if your insurance needs could use an agent’s help.

• What can I do if my company denied a claim?
• How does medical payments coverage work?
• At what point should I drop full coverage?
• What is PIP insurance?
• Can I afford low physical damage deductibles?
• Can I afford to buy a different vehicle if my 2007 Cadillac Escalade EXT is totaled?
• What happens if I owe more than my 2007 Cadillac Escalade EXT is worth?
• Am I covered when using my vehicle for business?
• Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for rehabilitation expenses, nursing services, prosthetic devices, chiropractic care and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, hitting a bird and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage – Liability insurance can cover damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things like legal defense fees, loss of income and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.