Cheaper 2006 Cadillac Escalade EXT Insurance Quotes

Want lower auto insurance rates for your Cadillac Escalade EXT? Wish you could get out of an expensive auto insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy.

Numerous auto insurance companies battle to insure your vehicles, so it’s not easy to compare every provider to find the absolute lowest price

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is not rocket science. But consumers do need to understand the way insurance companies market on the web because it can help you find the best coverage.

How to buy auto insurance

To find the best auto insurance rates, there are several ways of comparing rates from all the different companies. By far the easiest way to find the cheapest 2006 Cadillac Escalade EXT insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

The easiest and least time consuming way to get quotes is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating boring form submissions for each company you want a rate for. In just a few minutes this one form compares rates from multiple companies.

A harder way to get quotes online requires a trip to each company website to complete their respective quote request forms. For example, we’ll assume you want to get rates from Nationwide, Progressive and Allstate. To do that, you would have to go to every website and type in your information over and over, which can take a lot of time. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be certain you are entering the exact same deductibles and coverage limits with every price quote. If the quotes have higher or lower deductibles it’s impossible to find the best deal for your Cadillac Escalade EXT. Just slight variations in insurance coverages may result in a large different in cost. It’s important to know that comparing all the rates in your area will enable you to find a lower rate. Some smaller insurers to not give online price quotes, so you also need to get quotes from those companies as well.

Do auto insurance companies bend the truth?

Big name companies like Allstate and Progressive continually stream ads on television and other media. All the companies convey the message that drivers can save some big amount just by moving to their company. How do they all claim to save you money? It’s all in the words they use.

Different companies quote their cheapest rates for the right customer that makes them money. One example of a profitable customer should be between 30 and 50, has had continuous coverage, and the vehicle is rated for pleasure use. A propective insured that hits that “sweet spot” will qualify for the lowest premium rates and is almost guaranteed to save if they switch.

Insureds who are not a match for the requirements must pay more expensive rates which results in the customer buying from someone else. The trick companies use is to say “drivers that switch” not “all people who quote” save the amount stated. This is how companies can truthfully make it sound like they have such great car insurance rates.

That is why it is so important to get a wide range of price quotes. It is impossible to predict which company will have the lowest rates for your situation.

Why you might pay increased rates

Smart consumers have a good feel for the different types of things that are used to determine your auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that can earn you lower rates. Many factors are used when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other factors are not as apparent such as your marital status or your financial responsibility.

  • Are females or males drivers cheaper? – The statistics show women are more cautious behind the wheel. It does not mean females are better drivers. Both genders have auto accidents in similar numbers, but men get into accidents with more damage. In addition to higher claims, males also get ticketed for serious violations such as DWI and reckless driving.
  • Tickets are costly – Attentive drivers receive lower rates as compared to those with violations. Having just one moving violation may increase your cost by twenty percent. Drivers with flagrant tickets like reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent a license revocation.
  • Lower premiums with GPS tracking and theft deterrents – Choosing to buy a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all help prevent your car from being stolen.
  • Save by driving less – The higher the miles on your Cadillac in a year the more it will cost to insure it. Many insurance companies calculate prices partially by how you use the vehicle. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Escalade EXT may be wasting your money. It’s a smart idea to ensure your auto insurance policy correctly shows the right rating data.
  • Don’t cut corners with liability protection – The liability coverage on your policy will afford coverage when you are found to be at fault for an accident. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Occupation reflects on premiums – Occupational choices like doctors, executives and financial analysts have the highest average rates due to high stress and lengthy work days. On the other hand, professions such as actors, engineers and the unemployed generally pay rates lower than average on Escalade EXT insurance.
  • Increase comp and collision deductibles and save – Insurance for physical damage, aka comp and collision, is used to repair damage to your Cadillac. Some coverage claims are a broken windshield, hail damage, and rolling your vehicle. The deductibles you choose tell how much you are required to pay before your auto insurance pays a claim. The more damage repair cost the insured is willing to pay, the better rate you will receive on Escalade EXT insurance.
  • Save money by having excellent credit – An insured’s credit score is a large factor in determining your rates. If your credit history is low, you may save money insuring your 2006 Cadillac Escalade EXT if you improve your credit rating. Drivers with excellent credit scores tend to file fewer claims than those with lower credit scores.

Cheaper insurance coverage rates with discounts

Some insurance providers don’t always list every disount available very clearly, so the below list has both well-publicized as well as the least known credits available to you.

  • Paperwork-free – A handful of larger companies will give you a small discount get car insurance online.
  • Save with More Vehicles Insured – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
  • Defensive Driver – Taking time to complete a class that teaches defensive driving techniques could possibly earn you a 5% discount if you qualify.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Escalade EXT insurance as compared to drivers with claims.
  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

If you would like to choose from a list of insurance companies that offer the discounts shown above, click this link.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Will filing a claim cost me more?
  • What is PIP insurance?
  • What is the ISO rating for a 2006 Cadillac Escalade EXT?
  • Can I afford low physical damage deductibles?
  • What is high-risk coverage and where do I buy it?
  • Are my friends covered when driving my car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is roadside assistance coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Information about specific coverages

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses like funeral costs, nursing services, dental work, hospital visits and surgery. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This will cover injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people, and doesn’t 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. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, court costs and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Escalade EXT resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, a broken windshield, falling objects, a tree branch falling on your vehicle and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage 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. Normally the UM/UIM limits are similar to your liability insurance amounts.

Don’t be a big spender

As you shop your coverage around, never buy less coverage just to save a little money. In many cases, consumers will sacrifice collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

We just covered a lot of tips how to shop for 2006 Cadillac Escalade EXT insurance online. The key concept to understand is the more you quote car insurance, the better chance you’ll have of finding low cost car insurance. You may even discover the lowest prices are with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

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