Save on 2016 Cadillac Escalade Insurance Quotes

Want the cheapest car insurance rates for your Cadillac Escalade? Have you had enough of scraping the payment together to keep your car insured? You have the same problem as many other consumers.

Due to the large number of options when it comes to car insurance, it’s nearly impossible to pick the lowest price insurer.

It is always a good idea to shop coverage around yearly because car insurance prices are usually higher with each renewal. Even if you think you had the best rate for Escalade insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to learn the fastest and easiest way to find lower rates on car insurance.

Finding the best rates is not that difficult. If you currently have car insurance, you should be able to reduce your rates substantially using this strategy. Nevertheless, car owners must comprehend how the larger insurance companies sell insurance online.

Cut insurance costs with these tips

When buying insurance coverage it’s important to understand the factors that come into play when calculating your premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that can earn you better insurance coverage rates. Many factors are used when premium rates are determined. Some are pretty understandable like your driving record, although others are not as apparent like your vehicle usage or how safe your car is.

  • Little extras can really add up – There are a ton of additional coverages that can waste your money when buying insurance coverage. Insurance for rental car reimbursement, accidental death, and term life insurance may be wasting your money. They may seem good when deciding what coverages you need, but if you have no use for them get rid of them and save.
  • Premiums can change based on your address – Being located in less populated areas of the country is a positive aspect when it comes to insurance coverage. People in densly populated areas regularly have more traffic problems and more time behind the wheel. Fewer drivers on the road corresponds to lower accident rates and a lower car theft rate.
  • Get married and pay less – Getting married may save some money compared to being single. It translates into being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Do you have enough liability insurance? – A critical coverage on your policy, liability insurance will provide protection in the event that you are found liable for damages from an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Higher premiums for policy lapses – Driving any period of time without insurance is against the law and you will pay a penalty because you let your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance will get you fines or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Do safer cars cost less to insure? – Safe vehicles cost less to insure. Safer cars have better occupant injury protection and any reduction in injury severity translates directly to fewer claims which can result in lower premiums. If your Cadillac scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Save money by raising deductibles – Physical damage coverage, also known as collision and other-than-collision, protects your Cadillac from damage. Examples of covered claims are collision with another vehicle, collision with an animal, and windstorm damage. Your deductibles tell how much you are required to spend before your insurance coverage pays a claim. The more money you pay before a claim is paid (deductible), the better rate you will receive for Escalade insurance.

Don’t overlook these car insurance discounts

Car insurance companies do not advertise their entire list of discounts in an easy-to-find place, so the list below details both the well known as well as some of the hidden discounts that may be available.

  • Organization Discounts – Being in qualifying employment or professional organizations can get you a small discount on your bill.
  • Distant Student Discount – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company they may give you a discount of at least 10 to 15 percent or more.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a insurance quote.
  • Early Switch Discount – Select insurance companies give a discount for switching policies before your current policy expires. This can save 10% or more.

One last thing about discounts, many deductions do not apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, that’s just not realistic. Any amount of discount will positively reduce your overall bill.

A list of companies and a selection of discounts are shown below.

  • State Farm has savings for good student, passive restraint, driver’s education, good driver, and safe vehicle.
  • American Family includes discounts for good driver, mySafetyValet, air bags, defensive driver, bundled insurance, multi-vehicle, and TimeAway discount.
  • AAA discounts include AAA membership discount, multi-policy, multi-car, good driver, anti-theft, education and occupation, and pay-in-full.
  • Geico may offer discounts for defensive driver, air bags, military active duty, seat belt use, and emergency military deployment.
  • Mercury Insurance may have discounts that include good student, accident-free, good driver, professional/association, and multi-policy.
  • Farmers Insurance offers discounts for business and professional, bundle discounts, youthful driver, homeowner, good student, and early shopping.
  • Progressive has discounts for online signing, continuous coverage, homeowner, multi-vehicle, good student, and online quote discount.

If you need cheap insurance quotes, ask all the companies which discounts they offer. Some of the earlier mentioned discounts may not apply in your area. To find insurers that have a full spectrum of discounts, click here.

When to get professional advice

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help highlight whether you will benefit from professional help.

  • Do I benefit by insuring my home with the same company?
  • Do I pay less for low miles?
  • Which is better, split liability limits or combined limits?
  • Should I get collision insurance on every vehicle?
  • Does having multiple vehicles earn me a discount?
  • Is motorclub coverage worth it?
  • Is a blown tire covered by insurance?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Specific coverage details

Having a good grasp of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for chiropractic care, pain medications and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, fire damage, hitting a bird and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage – Collision coverage will pay to fix damage to your Escalade resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, scraping a guard rail, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical services, pain and suffering, repair costs for stationary objects and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Be a smart shopper

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. In too many instances, an insured dropped liability limits or collision coverage only to discover later that it was a big mistake. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

Affordable 2016 Cadillac Escalade insurance is possible on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. A few companies may not provide the ability to get quotes online and usually these small, regional companies sell through local independent agencies.

More tips and info about car insurance can be found by following these links:

Comments About 2016 Cadillac Escalade Insurance

  1. Darryl Poole

    If you have a clean record and live near Newark, Delaware, check out GEICO. I saved quite a bit. Moved home policy as well. Wish I didn’t have to insure at all.

  2. Zenia Johnson

    From northwest of Saint Paul, MN. Compared quite a few companies. Saved right around $50 a month. Progressive was the cheapest for me. Was with Travelers. Get lots of quotes to find the best rate.

  3. Leesa Larsen

    IMHO Bismarck, ND seems to have good rates from 21st Century.

  4. Berry Gallegos

    I found affordable 2016 Cadillac Escalade insurance from Progressive in Paterson, NJ.

  5. Shawn Rodgers

    I’m in Aurora, Colorado. Received rates from Allstate, American Family, and Encompass for my 2016 Cadillac Escalade and I think I saved about $20 each month.

  6. Sirena Padilla

    Thanks for putting this site together. I live in Phoenix, Arizona. I quoted with USAA, AIG Insurance, Hanover, and MetLife for my 2016 Cadillac Escalade and I think I cut my rates about $30 each month. Insured with MetLife before. They were helpful in switching over.

  7. Candie Petty

    Does 21st Century use ACV or replacement cost?

  8. Julissa Ayers

    Corporate greed I’m telling you. Located in Springfield, Massachusetts. Got prices from MetLife, Erie, State Farm, and American Family for my Cadillac and I’m now saving $24 a month.

  9. Loma Crawford

    I’ve had 21st Century for years. I’m in Albuquerque, New Mexico.

  10. Wyatt Cote

    I’m from Memphis, TN. I got free prices from The General, AAA, Nationwide, and a couple others for my 2016 Cadillac Escalade and I’m now saving $19 a month. I’m a pretty good driver though. They offer free online rate quotes.