2013 Cadillac Escalade Car Insurance Quotes – 6 Savings Tips

Looking for the cheapest auto insurance rates for your Cadillac Escalade? Price shopping your Driversauto insurance can seem to be slightly frustrating for drivers new to quoting and comparing prices online. With such a large choice of online companies available, it can quickly become a difficult mission to lower your prices.

If you currently have car insurance, you will be able to reduce your rates substantially using this information. This article will tell you the best way to quote coverages and some tips to save money. Although car owners can benefit from knowing how companies sell online and use this information to your advantage.

How to buy car insurance online

The are a couple different ways of comparing rate quotes from many different insurance companies. The best way to comparison shop is to use the internet to compare rates. This can be done in a couple minutes as outlined below.

Hands down the most simple method to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do a different quote for every company. A single form gets you price quotes from several companies. This is perfect if you don’t have a lot of time.

A more difficult way to analyze rates consists of going to the website for each individual company and fill out their own quote form. For sake of this example, we’ll pretend you want comparison quotes from Geico, 21st Century and Farmers. To get each rate you have to navigate to each company’s site to enter your coverage information, which can take a lot of time. To view a list of companies in your area, click here.

If you have time to kill, the last way to comparison shop is actually driving to different agent offices. Quoting and buying insurance online has reduced the need for local agents unless you’re the type of person who wants the professional guidance that can only be provided by a licensed insurance agent. It is possible to compare online quotes but have your policy serviced through an agent.

How you compare quotes is your choice, just be sure you’re using identical deductibles and coverage limits for each price quote. If you enter different values for each quote you will not be able to determine the best price for your Cadillac Escalade. Quoting even small variations in insurance coverages or limits could skew the results. Just keep in mind that comparing all the rates in your area helps locate better pricing.

Save a ton by taking advantage of these six discounts

Not too many consumers would say insurance is affordable, but companies offer discounts that you may not even know about. Many discounts should be triggered at the time you complete a quote, but lesser-known reductions have to be inquired about in order for you to get them.

• Paper-free Discount – Many insurance companies will provide an incentive just for signing your application on the web.
• Discount for Multiple Policies – When you have multiple policies with the same insurance company you may save as much as 10 to 15 percent.
• Discount for Passive Restraints – Vehicles equipped with air bags can get savings up to 30%.
• Government Employee Discount – Employees or retirees of the government could provide a small rate reduction for Escalade insurance but check with your company.
• Own a Home – Just being a homeowner can earn you a little savings because owning a home requires personal responsibility.
• No Claim Discounts – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.

Remember that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. Despite the appearance that you can get free auto insurance, you’re out of luck.

To choose companies who offer free insurance quotes, click here.

How much insurance coverage do I need?

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions may help you determine if you might need professional guidance.

• Should I rate my 2013 Cadillac Escalade as pleasure use or commute?
• How can I find cheaper teen driver insurance?
• What discounts do I qualify for?
• What companies insure drivers after a DUI or DWI?
• Am I covered when pulling a rental trailer?
• Can I drive in Mexico and have coverage?
• Does my personal policy cover me when driving out-of-state?
• Am I covered if I break a side mirror?
• What is UM/UIM insurance?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Specific coverages for a Cadillac Escalade

Having a good grasp of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

This covers damage to your Escalade caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses for nursing services, ambulance fees, X-ray expenses, hospital visits and surgery. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle, falling objects, vandalism and hail damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Cadillac Escalade.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Liability coverages

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like funeral expenses, bail bonds, medical expenses and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.