2014 Cadillac Escalade ESV Insurance Cost – 9 Policy Discounts

Want the cheapest car insurance rates for your Cadillac Escalade ESV? Trying to find the cheapest insurance for a new or used Cadillac Escalade ESV can normally be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to shop for car insurance and you need to know the proper way to price shop coverage on a Cadillac and locate the lowest price.

Choosing the best insurance company for you is quite easy. If you have a policy now or need a new policy, you can use these tips to reduce the price you pay while maintaining coverages. Vehicle owners just need to know the most efficient way to get comparison rates over the internet.

How much does insurance cost?

Performing a rate comparison can be a lot of work if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) driving to insurance companies in your area, or you could use online quotes to get pricing more quickly.

Most major companies take part in a program that enables customers to complete one form, and each participating company then gives them pricing for coverage. This system prevents you from having to do quote forms for every insurance company.

To access this free quoting program, click here to open in new window.

The only downside to comparing rates this way is you cannot specify the insurers to get quotes from. So if you want to select from a list of companies for rate comparison, we put together a list of low cost insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make sure you compare nearly identical coverages and limits for each comparison quote. If the quotes have different values for each quote it’s not possible to decipher which rate is best.

More affordable rates with these nine discounts

The price of auto insurance can be rather high, but there could be significant discounts to help bring down the price. Many of these discounts will be applied automatically when you quote, but less common discounts must be inquired about before you get the savings.

  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to fasten their seat belts could save 15% off the PIP or medical payment premium.
  • Discounts for New Vehicles – Buying insurance coverage coverage on a new vehicle may earn a small discount since newer models have better safety ratings.
  • Online Discount – A few larger online companies may give you up to $50 simply for signing on the web.
  • Early Switch Discount – Some companies reward drivers for switching to them prior to your current policy expiring. This discount can save up to 10%.
  • Discounts for Responsible Drivers – Insureds without accidents may receive a discount up to 45% for Escalade ESV insurance compared to accident prone drivers.
  • Theft Prevention Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Defensive Driving Course – Completing a class that teaches safe driver techniques could cut 5% off your bill and easily pay for the cost of the class.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a slight reduction on a car insurance quote for Escalade ESV insurance.

One thing to note about discounts is that many deductions do not apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But all discounts should definitely cut the cost of your policy.

Car insurance companies that possibly offer these discounts include:

If you need affordable car insurance quotes, ask all the companies to apply every possible discount. A few discounts might not be offered on policies in your area. If you would like to see a list of insurance companies with discount insurance coverage rates, follow this link.

What is the best insurance coverage coverage?

When choosing the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions might point out whether or not you might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Why do I need rental car insurance?
  • When should I drop full coverage on my 2014 Cadillac Escalade ESV?
  • Am I covered when pulling a rental trailer?
  • Is my camper covered by my car insurance policy?
  • Do I need roadside assistance coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is pleasure use cheaper than using my 2014 Cadillac Escalade ESV to commute?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2014 Cadillac Escalade ESV.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, damage from flooding, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – This coverage pays for damage to your Escalade ESV from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, hitting a mailbox, rolling your car, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for dental work, pain medications and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for liability – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things like funeral expenses, medical expenses, bail bonds, structural damage and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comments About 2014 Cadillac Escalade ESV Insurance

  1. Alexander Henson

    Anyone know if GEICO does SR-22s?

  2. Rocco Nicholson

    Not sure what I should be paying. I’m in the suburbs of Jersey City, NJ. Received quotes from State Farm, Auto-Owners, and Farmers for my Cadillac and I’m now saving $25 a month. Left Safeco to switch. I get lower rates because of my clean driving record.

  3. Carmela Nieves

    I chose to switch to Progressive from Amica. I live in Portland, OR. Was with Erie.

  4. Dominique Manning

    I’m from Rochester, MN. I quoted with AIG Insurance, Encompass, and Mercury for my Escalade ESV and saved $563 a year. Was with Safeco. I’m a pretty good driver though.

  5. Altagracia Blankenship

    Here’s my info. Located in Honolulu, Hawaii. Quoted with AIG Insurance, MetLife, and a few others for my Escalade ESV and I think I saved around $70 each month.

  6. Arlena Leon

    From northwest of Las Vegas, NV. Not sure of all the companies but I ended up saving about $50 each month.

  7. Gigi Brennan

    I switched to Allstate. Quoted good rates in Little Rock, AR.

  8. Leland Lopez

    Nice post. I live in a small town just outside of San Diego, California. I quoted with 21st Century, American Family, and some I forget for my 2014 Cadillac Escalade ESV and I think I cut my rates about $50 each month. Ask about discounts. I just quoted rates online.

  9. Janella King

    I chose to switch to Allstate from AAA. I live in Columbus, GA.

  10. Ferne Morris

    I compared a lot of rate quotes for a 2014 Cadillac Escalade ESV in Tampa, Florida. Ended up at about $310 every six months with Amica. Insured with Sentry before. BTW speeding tickets are not good.

  11. Vito Cortez

    I found cheap 2014 Cadillac Escalade ESV insurance in Burlington, Vermont with Progressive.

  12. Ethyl Browning

    I compared a lot of rate quotes for a 2014 Cadillac Escalade ESV in Lewiston, ME. Ended up at about $380 every six months with American Family. Hopefully won’t need it. Highly recommended.

  13. Delinda Aguilar

    Where is cheaper car insurance? From Rio Rancho, NM. Compared rates from a lot of places. Saved right around $70 a month. 21st Century was the best choice for me. Was with Hartford. I think they have home insurance too. It’s easy to compare rates online now.

  14. Londa Camacho

    Great info, thanks for posting. I’m just west of Fort Smith, Arkansas. Quoted quotes from AAA, Sentry, and USAA for my 2014 Cadillac Escalade ESV and I’m now saving $34 a month. Switched homeowners coverage too. God forbid I actually have a claim.

  15. Elvera Burt

    Good site, thanks. I’m in the suburbs of Columbus, Georgia. Quoted with Auto-Owners, MetLife, and some smaller one I can’t remember the name of for my Cadillac and saved $488 a year. I’m a pretty low risk driver. LOL