View 2012 Cadillac Escalade EXT Car Insurance Cost

Shoppers have a choice when shopping for low-cost Cadillac Escalade EXT insurance. You can either waste hours driving around to get rate comparisons or use the internet to compare rates. There are more efficient ways to buy insurance and we’ll show you the absolute fastest way to compare rates on a Cadillac and find the cheapest rates from both online companies and local agents.

Learn how to quote auto insurance more affordably

When buying auto insurance it’s important to understand a few of the rating criteria that come into play when calculating the rates you pay for auto insurance. If you know what determines premiums, this enables informed choices that could result in much lower annual insurance costs. Many different elements are used in the calculation when you get a price on insurance. Some factors are common sense such as your driving history, but some are not quite as obvious such as your credit history or your financial responsibility.

The list below includes most of the major factors used by companies to determine your rates.

  • Additional coverages that may be costing you – There are a lot of extra coverages that you can get tricked into buying if you don’t pay attention. Insurance for things like coverage for rental cars, better glass coverage, and term life insurance are some examples. They may seem good at first, but your needs may have changed so get rid of them and save.
  • Discounts for married couples – Having a wife or husband may save some money on auto insurance. It usually means you are more stable financially and statistics show married drivers tend to have fewer serious accidents.
  • Liability risk factors in – Your policy’s liability coverage will afford coverage if you are determined to be liable for causing personal injury or damage in an accident. This coverage provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Better rates on vehicles with better crash test results – Safer cars get lower rates. Safer cars reduce occupant injuries and better occupant protection translates directly to fewer claims and thus lower rates. If the Cadillac Escalade EXT scored at minimum four stars on Safercar.gov it is probably cheaper to insure.

Don’t overlook these insurance coverage discounts

Insurance coverage is expensive, but companies offer discounts that you may not even know about. Some of these disounts will be visible when you quote, but some discounts are required to be asked about before you get the savings.

  • Switch and Save Discount – Some companies provide a discount for signing up prior to the expiration date on your current policy. This can save 10% or more.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.
  • College Student – College-age children who attend college more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less on Escalade EXT coverage than drivers with accidents.
  • Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt can save a little off PIP or medical payments premium.
  • Accident Forgiveness – This one isn’t a discount, but some companies like GEICO, Allstate and Liberty Mutual will allow you to have one accident before raising your premiums if you are claim-free for a specific time period.

Consumers should know that many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help lower your policy cost.

Some of the larger companies that may have most of the discounts above include:

If you need the cheapest insurance coverage quotes, ask each company which discounts they offer. A few discounts may not be available in your area.

Will you really save $471 on insurance?

Drivers constantly see and hear ads that promise big savings for switching by companies like State Farm and Allstate. All the ads advertise claims of big savings after switching to them.

How is it possible that every company can charge you less for car insurance?

All the different companies have specific guidelines for the driver that makes them money. A good example of a driver they prefer might be between 25 and 40, owns their home, and drives less than 10,000 miles a year. Any person that matches those criteria receive the lowest rate quotes and will probably save when they switch companies.

Drivers who do not fit those standards will be charged more expensive rates which leads to the customer not purchasing. If you listen to the ad wording, they say “customers who switch” but not “everyone who gets a quote” save that much money. That’s why companies can truthfully advertise the way they do. This illustrates why it is so important to do a rate comparison at every renewal. It’s just too difficult to predict which company will have the best rates for your profile.

When to get professional advice

When choosing the best auto insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • If my 2012 Cadillac Escalade EXT is totaled, can I afford another vehicle?
  • Does coverage extend to my business vehicle?
  • Can I afford low physical damage deductibles?
  • Does my policy pay for OEM or aftermarket parts?
  • Can my teen drive my company car?
  • When can my company non-renew my policy?
  • Is pleasure use cheaper than using my 2012 Cadillac Escalade EXT to commute?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Specifics of your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage 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 coverage pays for claims like vandalism, hail damage and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your Escalade EXT resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, hitting a parking meter, sideswiping another vehicle, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

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

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability coverage

This provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, pain and suffering, repair costs for stationary objects, court costs and medical expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

Smart shoppers get results

People switch companies for a number of reasons such as high rates after DUI convictions, policy non-renewal, unfair underwriting practices and high prices. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

Cheap 2012 Cadillac Escalade EXT insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer price quotes online and these regional insurance providers only sell coverage through independent agents.

As you quote insurance coverage, don’t be tempted to skimp on coverage in order to save money. In many cases, an insured cut full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage for the lowest price while still protecting your assets.

Much more information about insurance coverage is available on the following sites: