How Much Does 2008 Cadillac Escalade EXT Car Insurance Cost?

Want the cheapest car insurance rates for your Cadillac Escalade EXT? Are you tired of scraping nickels together each month for car insurance? Your situation is no different than many other consumers. Companies like State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

You should make it a habit to compare premium rates periodically because rates fluctuate regularly. Just because you found the best premium rates on Escalade EXT coverage a couple years back you will most likely find a better price today. Forget all the misinformation about car insurance because you’re going to learn one of the best ways to save on car insurance.

Take policy discounts and save

Car insurance is expensive, but you may be missing some discounts that you may not even be aware of. Some of these disounts will be visible when you purchase, but a few must be asked for prior to receiving the credit.

  • Pay Now and Pay Less – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
  • Active Service Discounts – Having an actively deployed family member could mean lower prices.
  • ABS Braking Discount – Vehicles with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
  • Anti-theft Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
  • Safety Course Discount – Successfully completing a driver safety course could earn you a small percentage discount depending on where you live.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any amount of discount will cut your premiums.

Large car insurance companies and some of the premium reductions they offer are included below.

  • State Farm may have discounts that include multiple policy, anti-theft, Drive Safe & Save, accident-free, safe vehicle, and driver’s education.
  • Progressive offers discounts for homeowner, continuous coverage, online quote discount, good student, online signing, and multi-policy.
  • Progressive offers discounts including multi-policy, homeowner, good student, online signing, online quote discount, and continuous coverage.
  • MetLife includes discounts for good student, accident-free, claim-free, defensive driver, good driver, and multi-policy.
  • Farm Bureau policyholders can earn discounts including good student, safe driver, 55 and retired, youthful driver, and driver training.
  • Geico offers premium reductions for good student, seat belt use, air bags, five-year accident-free, multi-policy, military active duty, and membership and employees.
  • SAFECO may offer discounts for multi-car, accident prevention training, bundle discounts, teen safety rewards, anti-lock brakes, drive less, and anti-theft.

When quoting, ask every insurance company to give you their best rates. Some discounts listed above may not be offered in every state. If you would like to view providers with discount rates, click here.

Cheap insurance rate quotes

All major insurance companies like State Farm, Allstate and Geico allow consumers to get price estimates from their websites. Comparing rates online doesn’t take a lot of time as you just enter your personal and coverage information on the page. Once you submit the form, their quoting system will obtain your driving and credit reports and returns a price quote based on these factors. Online quotes makes it simple to compare prices but having to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s necessary to compare as many rates as possible in order to find the best price on insurance.

A better way to find lower prices uses one simple form to obtain quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes online shopping much easier to do. Once the form is submitted, it gets priced and you can select any or none of the returned quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and can result in significant savings.

To find out what other companies charge, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you copy deductibles and limits exactly as shown on your declarations page. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Will I lose any money if I cancel my policy before it expires?
  • Which is better, split liability limits or combined limits?
  • What discounts do I qualify for?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a Cadillac Escalade EXT

Having a good grasp of your car insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for things like chiropractic care, doctor visits, prosthetic devices, funeral costs and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hitting a deer and falling objects. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

This coverage will pay to fix damage to your Escalade EXT resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, backing into a parked car, colliding with another moving vehicle, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Cadillac Escalade EXT.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability coverage

This coverage protects you from damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, emergency aid, medical services, repair costs for stationary objects and bail bonds. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Summing up your insurance coverage search

In this article, we presented some good ideas how you can reduce 2008 Cadillac Escalade EXT insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest car insurance rates are with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive and Geico.

Cheaper 2008 Cadillac Escalade EXT insurance can be purchased on the web and with local insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some companies may not have the ability to get quotes online and usually these regional carriers sell through independent agents.

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Comments About 2008 Cadillac Escalade EXT Insurance

  1. Stephania Albert

    Well-written and thought out article. I’m in the suburbs of Lewiston, ME. Got prices from Hartford, Amica, Sentry, and a couple others for my Cadillac and I think I cut my rates about $70 each month. Switched homeowners coverage too. Online quotes are the way to go.

  2. Alexandria Gomez

    Checking in from Las Cruces, NM and for me State Farm had the lowest quote. Have an at-fault accident tho.

  3. Elroy Riggs

    My 2008 Cadillac Escalade EXT is faster than yours.

  4. Kamilah Craig

    It’s all a rip off. Went with GMAC for my Escalade EXT and saved about $510 a year. Was with Farmers.

  5. Vanda Alston

    In Owensboro, KY, State Farm auto insurance rates for my 2008 Cadillac Escalade EXT were good. Just waiting to see how claims go.

  6. Graham Allison

    From northwest of Davenport, IA. Quoted a bunch of companies. Saved about $60 a month. 21st Century was the best choice for me. Left MetLife to switch. Get lots of quotes to find the best rate.

  7. Xiao Mcgowan

    Hope my rates come down. Lifelong resident of Bangor, ME. Got car insurance quotes with 21st Century, AIG Insurance, and Esurance for my Escalade EXT and I’m now saving $15 a month. Have an at-fault accident tho.