Compare 2008 Cadillac Escalade EXT Insurance Rates

I doubt anyone likes paying for insurance, especially when they are aware that the cost is way too high. Due to the increasing number of insurance companies to choose from, it can be challenging to find a more affordable insurance company.

Shop insurance online

Reducing your 2008 Cadillac Escalade EXT insurance rates is not rocket science. All you need to do is take a few minutes comparing rates from different insurance companies. You can get a good selection of rate quotes in several different ways.

Probably the best way to get quotes would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating boring form submissions for every prospective company. Completing one form will return quotes instantly.
A harder way to find more affordable insurance is to take the time to go to each individual company website and fill out their own quote form. For example, let’s assume you want to compare prices for Auto-Owners, Progressive and American Family. To get rate quotes you would need to go to each individual site to input your insurance information, which is why first method is reommended.
For a list of links to insurance companies in your area, click here.
The hardest method to shop rates is driving to different agent offices. Quoting and buying insurance online eliminates this option unless you require the advice and guidance that you can only get from talking to an agent. It is possible to compare the best prices online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just make sure you compare apples-to-apples coverages and limits on every price quote you get. If each company quotes different deductibles it will be very difficult to make a fair comparison for your Cadillac Escalade EXT.

Discount insurance quotes

Car insurance companies don’t always list all possible discounts very clearly, so below is a list a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

Accident Forgiveness Coverage – but some insurance companies may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to the accident.
ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
Drive Safe and Save – Safe drivers can save up to 40% or more on their car insurance quote on Escalade EXT insurance as compared to drivers with claims.
Seat Belts Save – Requiring all passengers to buckle their seat belts can save up to 15% off PIP or medical payments premium.
Multiple Cars – Buying a policy with more than one vehicle on one policy can get a discount on all vehicles.
Driving Data Discount – Drivers who elect to allow their insurance company to analyze vehicle usage by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, that’s just not realistic.

A few companies that may include these money-saving discounts include:

If you want low cost car insurance quotes, ask each company how many discounts you can get. All car insurance discounts may not apply in your state.

Insurance price influencing factors

It’s important that you understand the rating factors that help determine your premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that can earn you big savings. Many factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but others are less obvious such as whether you are married or how safe your car is.

Low coverage deductibles mean high rates – Comp and collision deductibles tell how much you are willing to pay out-of-pocket if the claim is covered. Insurance for physical damage, also called ‘full coverage’, protects your car from damage. A few examples of covered claims are collision with another vehicle, collision with a deer, and damage caused by road hazards. The larger the amount you have to pay, the less your auto insurance will be on Escalade EXT insurance.
Do you really need the extra coverages? – Insurance companies have many extra bells and whistles that you can buy when buying auto insurance. Things like replacement cost coverage, accident forgiveness, and extra equipment coverage may be costing you every month. They may seem good when discussing your needs, but now you might not need them so get rid of them and save.
Fewer miles means better prices – The more you drive your Cadillac in a year’s time the higher your rates will be. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use cost less to insure than those used for commuting. It’s a good idea to make sure your auto insurance policy states the right rating data. Improper usage on your Escalade EXT may be wasting your money.
Use one insurance company and save – The majority of insurers give a discount to insureds that buy multiple policies. It’s known as a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you already get this discount, it’s always a smart idea to compare other insurance prices to verify if the discount is saving money.There is a chance you can find lower rates by splitting coverages up.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

Are all vehicle passengers covered by medical payments coverage?
Are split liability limits better than a combined single limit?
Why am I be forced to buy a membership to get insurance from some companies?
Do all my vehicles need collision coverage?
Can I drive in Mexico and have coverage?
Will my rates increase for filing one claim?
What is roadside assistance coverage?
Should I sign the liability waiver when renting a car?
Who is covered when they drive my 2008 Cadillac Escalade EXT?
How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Drivers who switch save $450 a year? Really?

Consumers can’t get away from ads that promise big savings for switching by companies like Allstate, GEICO and Progressive. They all seem to tend to make the same promise about how much you will save if you switch your insurance policy to them.

But how can every company charge lower premium rates? This is how they do it.

Insurance providers have a preferred profile for the type of driver that earns them a profit. One example of a profitable insured may need to be a mature driver, has no tickets, and drives a vehicle with a low ISO rating. Any customer who fits that profile will probably get the lowest premium rates and therefore will cut their rates substantially.

Consumers who fall outside those standards will probably have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can truthfully state the savings. Different companies use different criteria so you really need to get price quotes at each policy renewal. It is impossible to guess which insurance company will have the best premium rates.

Car insurance coverage information

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance pays for 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 can pay for claims such as falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

This coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, funeral expenses, emergency aid, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Cadillac Escalade EXT.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like ambulance fees, pain medications and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Quote more. Save more.

Cheap 2008 Cadillac Escalade EXT insurance can be sourced both online and from local agencies, so you need to shop car insurance with both to have the best selection. Some insurance providers do not offer rate quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agents.

As you restructure your insurance plan, do not buy poor coverage just to save money. Too many times, consumers will sacrifice physical damage coverage only to regret that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

In this article, we covered a lot of ways to lower your 2008 Cadillac Escalade EXT insurance premium rates. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding low cost car insurance. You may even discover the best price on insurance coverage is with some of the lesser-known companies. Smaller companies can often provide lower prices in certain areas than their larger competitors like GEICO and State Farm.