Cheap 2011 Cadillac Escalade EXT Insurance Rates

Searching for better insurance rates for your Cadillac Escalade EXT? Paying for overpriced Cadillac Escalade EXT insurance can sap your funds and make it impossible to make ends meet. Comparing cost estimates can help to tighten up your finances.

Due to the fact that there are so many insurance providers from which to choose, it can be challenging to find the lowest price insurance company.

The purpose of this article is to teach you the best way to quote coverages and some money-saving tips. If you currently have car insurance, you should be able to reduce your rates substantially using this strategy. But car owners do need to learn the methods companies use to price insurance differently and apply this information to your search.

How to compare free insurance coverage rate quotes

Most larger insurance companies like State Farm, Geico and Progressive give insurance quotes on their websites. The process is pretty easy because it’s just a matter of typing in as requested by the quote form. When complete, their quoting system pulls your driving record and credit report and gives you a price quote based on these and other factors. Being able to quote online streamlines rate comparisons, but the time required to go to a lot of sites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to perform this step in order to get lower prices.

The quickest way to get multiple rate quotes uses just one form to get prices from a bunch of companies at once. The form is fast, requires less work, and makes rate comparisons much more enjoyable. After your information is entered, your coverage is rated and you can select your choice of the price quotes you receive.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. It can be completed in a matter of minutes and may save quite a bit of money.

To quickly find out how much you can save on insurance coverage, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you replicate the coverages as shown on your current policy. Using the same limits helps guarantee you’re receiving a fair comparison based on identical coverages.

You may qualify for discounts

Companies offering auto insurance don’t always publicize every policy discount very well, so below is a list some of the more common and also the lesser-known discounts that you may qualify for.

  • Low Mileage Discounts – Driving fewer miles may allow you to get cheaper rates.
  • Telematics Data – Insureds who allow their company to look at where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if their driving habits are good.
  • Accident-Free Discounts – Drivers who don’t have accidents have much lower rates as compared to accident-prone drivers.
  • Drive Safe and Save – Insureds without accidents could pay up to 40% less on Escalade EXT coverage as compared to drivers with claims.
  • Resident Student – College-age children who are attending college and leave their car at home could get you a discount.

One thing to note about discounts is that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, you won’t be that lucky.

Car insurance companies that may include most of the discounts above include:

It’s a good idea to ask each company which discounts can lower your rates. All car insurance discounts might not be offered on policies in your area. If you would like to view insurance companies that offer the discounts shown above, follow this link.

There’s no such thing as the perfect insurance policy

When it comes to buying the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

  • Do I need rental car coverage?
  • Can my teen drive my company car?
  • Why is insurance for a teen driver so high?
  • Is my nanny covered when driving my vehicle?
  • Does medical payments coverage apply to all occupants?
  • When should my teen driver be added to my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • What is medical payments coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance 101

Having a good grasp of auto insurance can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types available from auto insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

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 should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, ambulance fees, surgery, hospital visits and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability car insurance

This will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, attorney fees, emergency aid and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, vandalism and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your Escalade EXT resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comments About 2011 Cadillac Escalade EXT Insurance

  1. Ingeborg Stanton

    I’m in the suburbs of Tucson, AZ. Compared rates from a lot of places. Saved about $60 a month. Progressive was the best choice for me. Insured with Mercury before. They were helpful in switching over.

  2. Yesenia Short

    I’ve bought from 21st Century forever. Cheapest rates in Pittsburgh, Pennsylvania.

  3. Gladis Sims

    Live in the western part of Provo, UT, and GEICO rates were best. Insured with Travelers before. Moved home policy as well.

  4. Emanuel Vinson

    2011 Cadillac Escalade EXT + State Farm = CHEAP! At least inFlorida anyway.

  5. Twana Walls

    Anyone find cheap rates around Lincoln, NE?

  6. Claud Thornton

    In Dover, DE compare Allstate with Progressive and see which is best.

  7. Clyde Barber

    Cheap is relative. I’m from South Burlington, VT. Don’t remember every company but I ended up saving about $40 each month. Good savings if you bundle. Might find lower rates online.

  8. Griselda Baldwin

    Are Allstate or Allstate rates cheaper in Arkansas?

  9. Santos Boyer

    If you don’t have tickets and live in the vicinity of San Antonio, TX, check out Progressive. They seem to be cheaper. It never hurts to quote around.

  10. Annalee Duran

    I compared a lot of rate quotes for a 2011 Cadillac Escalade EXT in Seattle, WA. Ended up at about $450 every six months with Auto-Owners. Not sure if rates are cheaper online or not.

  11. Maudie Mejia

    I chose to switch to GEICO from American Family. I live in Biloxi, MS. Moved home policy as well. Are quotes cheaper online?

  12. Rayford Santos

    Cheaper car insurance is a myth. I’m in the north part of Louisville, KY. Got quotes with Travelers, Amica, Hanover, and Sentry for my Escalade EXT and saved $132 a year. Insured with Eastwood before. LOL