2009 Cadillac Escalade EXT Insurance Rates – 5 Discounts for Cheaper Quotes

Searching for lower auto insurance rates for your Cadillac Escalade EXT? Are you a victim of overpriced auto insurance? Believe me when I say there are many consumers feeling the pinch from expensive auto insurance.

Big-name insurance companies like State Farm, Progressive and GEICO continually bombard you with fancy advertisements and it is difficult to see past the corporate glitz and find the best price available.

Insurance coverage companies offer many types of discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be requested specifically before they will apply. If you are not receiving all the discounts you deserve, you could be getting lower rates.

  • Low Miles Discount – Low mileage vehicles may enable drivers to earn slightly better premium rates than normal.
  • Seat Belt Discounts – Requiring all passengers to buckle up can save a little off the medical payments premium.
  • Discount for New Cars – Insuring a vehicle that is new can get you a discount due to better safety requirements for newer models.
  • Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.

Keep in mind that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

Popular insurance coverage companies and their offered discounts are outlined below.

  • State Farm may offer discounts for anti-theft, driver’s education, safe vehicle, Drive Safe & Save, student away at school, and Steer Clear safe driver discount.
  • American Family may have discounts that include bundled insurance, TimeAway discount, multi-vehicle, good student, air bags, and early bird.
  • GEICO offers discounts including air bags, membership and employees, anti-lock brakes, multi-vehicle, five-year accident-free, multi-policy, and federal employee.
  • 21st Century policyholders can earn discounts including driver training, air bags, automatic seat belts, defensive driver, student driver, and early bird.
  • Progressive offers premium reductions for continuous coverage, homeowner, online signing, multi-policy, and online quote discount.

Check with all the companies to apply every possible discount. Some discounts listed above may not apply to policies in your state.

The most recommended method to compare insurance rates in your area is to know the fact most larger insurance companies actually pay money for the chance to quote your coverage. The one thing you need to do is give them rating details like how you use your vehicles, what your job is, whether you are single or married, and how much coverage you want. Your information is sent automatically to many highly-rated insurers and they return cost estimate with very little delay.

To start a quote now, click here and see if a lower rate is available.

Do I just need basic coverages?

When choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For example, these questions could help you determine whether or not you could use an agent’s help.

  • What are the best liability limits?
  • When does my teenage driver need to be added to my policy?
  • What vehicles should carry emergency assistance coverage?
  • Am I missing any policy discounts?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my trailer covered?
  • Do I have newly-aquired coverage?

If it’s difficult to answer those questions, then you may want to think about talking 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

Insurance policy specifics

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Coverage for liability – Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as repair costs for stationary objects, medical expenses, attorney fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses such as surgery, rehabilitation expenses and X-ray expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverages – This coverage covers damage to your Escalade EXT caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, hail damage and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2009 Cadillac Escalade EXT.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Online plus local equals savings

When shopping online for insurance, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your goal is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

We’ve covered some good ideas how you can reduce 2009 Cadillac Escalade EXT insurance rates online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. Consumers could even find that the best price on insurance is with some of the lesser-known companies. They can often provide lower car insurance rates in certain areas compared to the large companies like Allstate and Progressive.

Even more information is located at these sites: