Lower Your 2012 Cadillac Escalade Car Insurance Quotes

When shopping for lower-priced insurance, are you frustrated by the crazy number of car insurance providers that you can choose from? Many other drivers are as well. There are so many choices that it can turn into a real difficult job to find lower rates.

It’s smart to do price comparisons occasionally because prices are adjusted regularly by insurance companies. If you had the best price for Escalade coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I’m going to teach you one of the quickest ways to save money, get proper coverage and the best rates.

Car insurance quotes and discounts

Car insurance is expensive, but you might already qualify for some discounts that many people don’t even know exist. Some trigger automatically when you get a quote, but lesser-known reductions have to be asked about before you get the savings. If you do not check that you are getting every discount possible, you could be paying more than you need to.

• Driving Data Discount – Policyholders that allow driving data collection to study their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they have good driving habits.
• Low Mileage Discounts – Driving fewer miles could qualify for cheaper rates.
• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Cautious Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote for Escalade coverage than their less cautious counterparts.
• Multiple Policy Discount – If you can combine your auto and home policy and place coverage with the same company you may earn at least 10 to 15 percent or more.
• Resident Student – Kids who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
• Student Discount for Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
• New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper because new vehicles keep occupants safer.

It’s important to understand that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think you could get a free car insurance policy, companies don’t profit that way.

Large car insurance companies and some of the discounts can be read below.

• AAA offers discounts including good student, education and occupation, good driver, multi-car, pay-in-full, multi-policy, and AAA membership discount.
• Progressive has discounts for multi-vehicle, continuous coverage, online signing, good student, and homeowner.
• State Farm may have discounts that include good driver, defensive driving training, anti-theft, accident-free, passive restraint, multiple autos, and good student.
• Esurance has savings for good driver, multi-policy, paid-in-full, anti-theft, defensive driver, and DriveSense.
• Nationwide may offer discounts for family plan, Farm Bureau membership, good student, multi-policy, and business or organization.

It’s a good idea to ask each company which discounts can lower your rates. Some discounts may not apply to policies everywhere. To choose car insurance companies that can offer you the previously mentioned discounts, click here.

How to buy car insurance online

To get cheaper auto insurance quotes, there a variety of ways to compare rate quotes from many car insurance companies in your state. The easiest way by far to do a complete rate comparison is to get quotes online. This is quite simple and can be completed by using one of the methods below.

1. The recommended way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing repetitive form entry for each price estimate. A single, simple form gets coverage cost estimates from multiple companies. Just one form and you’re done.
2. A slightly less efficient method to compare rate quotes is spending the time to visit the website of each company and request a quote. For example, let’s assume you want to get rates from Nationwide, Progressive and Farmers. To find out each rate you need to navigate to each company’s site and repeatedly enter your information, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just do your best to enter identical coverages and limits for each comparison quote. If your comparisons have different values for each quote it will be very difficult to determine the best price for your Cadillac Escalade. Quoting even small variations in coverage limits could mean much higher rates. And when quoting car insurance, remember that comparing a wide range of rates helps you find more affordable insurance. Some regional insurers cannot provide prices over the internet, so it’s important to also get rates from them as well.

How you can control Cadillac Escalade insurance costs

Lots of factors are taken into consideration when quoting car insurance. Some factors are common sense like your driving record, but other criteria are not as apparent such as whether you are married or your financial responsibility.A large part of saving on car insurance is knowing some of the factors that go into determining the level of your policy premiums. If you understand what determines premiums, this allows you to make educated decisions that can help you get big savings.

• Lower car insurance rates for being claim-free – Car insurance companies award cheaper rates to insureds who are claim-free. If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for larger claims.
• Where you live factors in – Residing in areas with lower population can save you money when it comes to car insurance. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities regularly have much more traffic and a longer drive to work. More time behind the wheel translates into higher accident risk.
• Discounts for multiple policies – Most insurers will give discounts to customers that buy multiple policies, otherwise known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount applied, you may still want to check prices from other companies to help ensure you have the lowest rates.
• Do women or men drive better? – Statistics demonstrate that females tend to be a little less risky than males. This data doesn’t prove that males are worse at driving than females. Both genders tend to get into fender benders in similar percentages, but guys have accidents that have higher claims. Not only are claims higher, but men receive more costly citations like reckless driving and DUI. Male teenagers generally have the highest accident percentage and therefore are the most expensive to insure.

Situations that may require an agent’s advice

When it comes to buying coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions may help you determine if your situation will benefit from professional help.

• Does insurance cover damages from a DUI accident?
• Do I need motorclub coverage?
• Who is covered by my policy?
• Why do I need rental car insurance?
• What companies insure drivers after a DUI or DWI?
• Am I covered when driving on a suspended license?

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 agent. To find an agent in your area, fill out this quick form.

Coverages available on your policy

Understanding the coverages of car insurance can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills like dental work, hospital visits and doctor visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability

This coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover 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 commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as court costs, pain and suffering, bail bonds, funeral expenses and medical expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for 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 insurance covers claims like hitting a deer, vandalism, hail damage and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Do the work, save more money

Consumers change insurance companies for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, being labeled a high risk driver and even denial of a claim. Whatever your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

Some companies don’t offer the ability to get a quote online and these small, regional companies work with independent insurance agents. The cheapest 2012 Cadillac Escalade insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

In this article, we covered quite a bit of information on how to shop for 2012 Cadillac Escalade insurance online. The key thing to remember is the more companies you get prices for, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the lowest premium rates are with a company that doesn’t do a lot of advertising.

Additional car insurance information can be read at the links below

• Airbag FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Red Light Cameras (State Farm)