2013 Cadillac Escalade Hybrid Insurance Quotes

Comparison shopping for cheap car insurance can seem to be slightly frustrating for drivers not familiar with online rate comparisons. You have so many options available that it can easily become a real hassle to compare rates.

Compare car insurance rate quotes online

There are a variety of methods to compare car insurance quotes, but one way is more efficient than others. You can spend countless hours discussing policy coverages with agents in your area, or you could use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies take part in a program that allows shoppers to submit one quote, and each participating company then gives them pricing based on that information. This eliminates the need for repetitive form submissions for every car insurance company. To participate in this free quote system, click to open in new window.

One minor caviat to pricing coverage this way is you cannot specify the providers to receive prices from. If you prefer to choose individual companies to compare prices, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare nearly identical coverage limits for each comparison quote. If the quotes have different limits and deductibles on each one it will be nearly impossible to make a fair comparison for your Cadillac Escalade Hybrid. Just a small difference in coverages may result in a large different in cost. And when comparison shopping, having more price comparisons helps increase your odds of locating better pricing. Some smaller insurers to not give price estimates online, so it’s important to compare prices from the smaller companies as well.

Drivers save money with these money-saving discounts

Some insurers don’t always list every policy discount in an easy-to-find place, so the list below gives a summary of a few of the more common and the more hidden discounts you could be receiving when you buy insurance coverage online. If you check and find you aren’t receiving every discount possible, you are throwing money away.

• Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.
• Club Memberships – Joining a professional or civic organization may earn a discount on auto insurance.
• Defensive Driving Course – Completing a course in driver safety is a good idea and can lower rates and make you a better driver.
• Theft Deterent Discount – Cars and trucks that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
• Military Rewards – Having a deployed family member could mean lower prices.

A quick disclaimer, many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

The best auto insurance companies and a partial list of their discounts are:

• American Family has discounts for defensive driver, multi-vehicle, good driver, bundled insurance, mySafetyValet, and good student.
• Farm Bureau has savings for good student, safe driver, driver training, multi-policy, youthful driver, multi-vehicle, and renewal discount.
• State Farm may include discounts for good student, anti-theft, driver’s education, defensive driving training, and multiple autos.
• Travelers discounts include new car, hybrid/electric vehicle, good student, IntelliDrive, driver training, student away at school, and multi-car.
• The Hartford offers discounts including good student, vehicle fuel type, anti-theft, defensive driver, driver training, and bundle.
• Geico offers premium reductions for good student, driver training, military active duty, five-year accident-free, and emergency military deployment.
• Progressive may have discounts that include continuous coverage, online signing, good student, online quote discount, multi-policy, multi-vehicle, and homeowner.

If you want inexpensive insurance coverage quotes, ask all companies you are considering how many discounts you can get. Some discounts listed above might not be offered on policies in your area. If you would like to see a list of auto insurance companies with significant discounts, click here.

Do I need special coverages?

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if you could use an agent’s help.

• Which companies will insure high-risk drivers?
• Why am I required to get a high-risk car insurance policy?
• What is UM/UIM insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my cargo covered for damage or theft?
• Am I missing any policy discounts?
• Are all vehicle passengers covered by medical payments coverage?
• When should I buy a commercial auto policy?
• When should I remove comp and collision on my 2013 Cadillac Escalade Hybrid?
• Am I covered when using my vehicle for business?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

What insurance coverages do you need?

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage will pay to fix damage to your Escalade Hybrid from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability insurance – Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, bail bonds, repair costs for stationary objects and attorney fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Cadillac Escalade Hybrid.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, vandalism, fire damage, hail damage and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as X-ray expenses, chiropractic care and hospital visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Find Good Coverage for Less

In this article, we covered many ideas to compare 2013 Cadillac Escalade Hybrid insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from a smaller regional carrier.

As you quote insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the best price but still have enough coverage for asset protection.

Lower-priced insurance is attainable on the web and with local insurance agents, so you should compare both to have the best selection. Some insurance companies do not offer online price quotes and usually these regional insurance providers prefer to sell through independent insurance agents.

To read more, feel free to browse these articles:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Rollover Crash FAQ (iihs.org)
• Insurance Losses by Make and Model (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Car Insurance FAQ (Trusted Choice)