Save on 2015 Cadillac Escalade Car Insurance Cost

Trying to find lower insurance rates for your Cadillac Escalade? Did you fall for a flashy sales pitch and buy overpriced insurance? You’re preaching to the choir because many drivers have buyer’s remorse. Companies like Allstate, Liberty Mutual and State Farm constantly bombard you with TV and radio ads and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

Do you qualify for discount insurance coverage?

Car insurance companies do not list all disounts in an easy-to-find place, so below is a list a few of the more well known and also the lesser-known credits that you can use to lower your rates.

• Discounts for Safe Drivers – Drivers without accidents can pay as much as 50% less for Escalade coverage than less cautious drivers.
• Driver Education Discount – Cut your cost by having your teen driver sucessfully take a drivers education course in school or through a local driver safety program.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
• Theft Deterent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Onboard Data Collection – Policyholders that allow driving data collection to study driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they show good driving skills.
• Discount for Life Insurance – Some insurance companies give a break if you buy some life insurance in addition to your auto policy.
• Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
• Passive Restraint Discount – Vehicles equipped with air bags may qualify for discounts up to 30%.
• Policy Bundle Discount – When you combine your auto and home insurance and insure them both with the same insurance company you may save as much as 10 to 15 percent.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business.

To find providers that have a full spectrum of discounts, click here to view.

Buy auto insurance online

Most major insurance companies like Progressive, Geico, Allstate and State Farm make it easy to get coverage prices directly from their websites. The process doesn’t take much effort as you just type in your required coverages into the form. After the form is submitted, their system makes automated requests for reports for credit and driving violations and returns pricing information based on these and other factors. Online quotes simplifies rate comparisons, but the process of having to visit several different sites and type in your information is repetitive and time-consuming. But it’s very important to compare as many rates as possible in order to get better auto insurance pricing.

There is an easier way to compare rates

A less time-consuming method to find cheaper rates uses one form that obtains quotes from many companies. It’s a real time-saver, requires less work, and makes online shopping much more efficient. Once the form is submitted, it is quoted and you can select any or none of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process only takes a few minutes and could lower your rates considerably.

To compare pricing, click here to open in a new tab and enter your vehicle and coverage information. If you have a policy now, it’s recommended you complete the form with the coverages exactly as they are listed on your policy. This way, you will have a fair comparison for similar insurance coverage.

What insurance coverages do I need?

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

• Is my cargo covered for damage or theft?
• Does my policy cover my teen driver if they drive my company car?
• Does car insurance cover theft of personal property?
• Is my business laptop covered if it gets stolen from my vehicle?
• If I drive on a suspended license am I covered?
• How much liability coverage do I need in my state?
• Is there coverage for injuries to my pets?
• Am I covered when delivering products for my home-based business?
• Does my insurance cover a custom paint job?
• Should I rate my 2015 Cadillac Escalade as pleasure use or commute?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage options for a Cadillac Escalade

Understanding the coverages of car insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by car insurance companies.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like surgery, hospital visits, nursing services, dental work and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Cadillac Escalade.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, fire damage, rock chips in glass and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your Escalade from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, colliding with another moving vehicle, driving through your garage door and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability – This coverage protects you from damage that occurs to people or other property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, repair bills for other people’s vehicles, structural damage and medical services. How much coverage you buy is your choice, but buy as large an amount as possible.

Be a smart shopper

We just covered some good ideas how you can get a better price on 2015 Cadillac Escalade insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from a smaller regional carrier. Smaller companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive or Geico.

When shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. There are many occasions where someone dropped liability coverage limits to discover at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best cost, but do not skimp to save money.

Additional auto insurance information is available on the following sites:

• Property Damage Coverage (Liberty Mutual)
• Safe Vehicles for Teens (iihs.org)
• Learn About Car Insurance (Geico)
• Your Car has been Stolen: Now What? (Allstate)
• All About Airbag Safety (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)