2012 Cadillac Escalade EXT Insurance Quotes – 7 Ways to Save

Sick and tired of being strong-armed to keep your car insured? You’re in the same situation as the majority of other drivers. Due to the increasing number of online and local companies to choose from, it can be challenging to pick the best insurance coverage company.

The purpose of this post is to familiarize you with the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Drivers just need to learn the most effective way to buy auto insurance over the internet.

How to buy auto insurance online

There are multiple methods to shop for auto insurance, but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Many companies belong to an insurance system where insurance shoppers send in one quote, and each participating company provides a quote determined by their information. This saves time by eliminating quotation requests for each company.

To find out how much you can save on auto insurance click here to start a free quote.

The one disadvantage to using this type of form is that you can’t choose the insurers you want pricing from. If you wish to select specific providers to receive pricing from, we have a page of low cost auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you are using nearly identical information for every quote you compare. If you have different coverage information then you won’t be able to determine which rate is truly the best.

These seven discounts can lower your insurance quotes

Insuring your fleet can be pricey, but you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply when you quote, but less common discounts must be asked about in order for you to get them.

• Telematics Devices – Insureds that choose to allow their insurance company to scrutinize their driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
• Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Escalade EXT insurance compared to accident prone drivers.
• Pay Early and Save – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
• Multi-car Discount – Insuring primary and secondary vehicles on the same insurance policy can get a discount on all vehicles.
• Homeowners Pay Less – Simply owning a home can earn you a little savings because of the fact that having a home requires a higher level of personal finance.
• Student in College – Older children who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
• New Vehicle Savings – Buying a new car model can cost up to 25% less compared to insuring an older model.

As is typical with insurance, most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of companies and their offered discounts are detailed below.

• State Farm includes discounts for safe vehicle, Steer Clear safe driver discount, passive restraint, good student, defensive driving training, and driver’s education.
• Esurance offers discounts for anti-lock brakes, paid-in-full, claim free, good student, emergency road assistance, online shopper, and multi-policy.
• Progressive offers discounts including continuous coverage, homeowner, multi-policy, good student, multi-vehicle, online signing, and online quote discount.
• Liberty Mutual may offer discounts for newly married, new vehicle discount, hybrid vehicle, exclusive group savings, good student, preferred payment discount, and teen driver discount.
• Auto-Owners Insurance offers premium reductions for mature driver, anti-theft, safe vehicle, multiple vehicles, and company car.
• Geico may include discounts for daytime running lights, anti-theft, anti-lock brakes, multi-policy, seat belt use, emergency military deployment, and air bags.

When comparing rates, check with every prospective company how many discounts you can get. A few discounts might not be available to policyholders everywhere. To see insurers with discount rates, click this link.

Different people need different insurance coverages

When it comes to buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine if you would benefit from an agent’s advice.

• Is motorclub coverage worth it?
• Do I need replacement cost coverage on my 2012 Cadillac Escalade EXT?
• How much can I save by bundling my policies?
• Do I have coverage for damage caused while driving under the influence?
• Is my dog or cat covered if injured in an accident?
• Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Can you really save that much by switching?

Drivers can’t avoid all the ads that claim the cheapest rates by Allstate, Geico and Progressive. They all have a common claim that you can save just by switching your coverage to them.

How is it possible that every company can make almost identical claims? Here is how they do it.

All the different companies give the best rates for the type of customer that will generate a profit. For example, a preferred risk might be between the ages of 30 and 45, has no driving citations, and chooses high deductibles. Someone that fits those parameters will qualify for the lowest prices and will most likely save quite a bit of money when switching.

Insureds who are not a match for these stringent criteria will get higher prices and the customer not buying. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” save that much when switching. That’s the way insurance companies can make claims that they all have the best prices.

This illustrates why it’s extremely important to do a quote comparison often. Because you cannot predict which insurance companies will have better premium rates than you’re paying now.

Auto insurance coverages 101

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average auto insurance policy.

Collision coverage – Collision insurance will pay to fix damage to your Escalade EXT caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Liability insurance – Liability coverage provides protection from damage that occurs to people or other property. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like loss of income, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto insurance – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, damage from getting keyed, falling objects and hitting a bird. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for pain medications, prosthetic devices and dental work. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 2012 Cadillac Escalade EXT.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Shop around and save

More affordable auto insurance can be sourced on the web as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer rate quotes online and most of the time these smaller providers prefer to sell through independent agents.

We just showed you many ways to compare 2012 Cadillac Escalade EXT insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

Additional information is located at the links below

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Side Impact Crash Tests (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Prom Night Tips for Teen Drivers (State Farm)
• Speed and Speed Limit FAQ (iihs.org)