View 2013 Cadillac Escalade ESV Insurance Cost

Drivers have options when trying to find low-cost Cadillac Escalade ESV insurance. They can either spend hours driving around getting price quotes or leverage the internet to get rate quotes.

There is a better way to shop for car insurance and you need to know the absolute fastest way to compare rates for a Cadillac and get the lowest price from local insurance agents and online providers.

The purpose of this post is to introduce you to how to get online quotes and some tips to save money. If you currently have car insurance, you should be able to lower your premiums substantially using this information. Drivers just need to understand the most effective way to shop their coverage around online.

How to get low cost insurance

There are multiple methods to shop for insurance, but there is one way that is easier and takes less work. You could waste a few hours driving to insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Most of the larger companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and each participating company then gives them pricing for coverage. This eliminates the need for quotation requests to every company.

To participate in this free quote system, click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly which companies you will receive quotes from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but double check that you are using equivalent coverage information for each price quote. If you have different coverage information you can’t possibly determine the best price for your Cadillac Escalade ESV.

Insurance Discounts

Companies offering auto insurance don’t always list every discount very well, so the following is a list of a few of the more well known and also the more inconspicuous ways to save on insurance.

Passenger Safety Discount – Factory air bags or automatic seat belts may get savings of more than 20%.
Government Employee Discount – Simply working for the federal government could provide a small rate reduction for Escalade ESV coverage with some insurance companies.
Discounts for Multiple Vehicles – Buying coverage for multiple cars on the same insurance policy could earn a price break for each car.
Save over 55 – Drivers over the age of 55 may be able to get reduced rates for Escalade ESV coverage.
Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
Homeowners Pay Less – Just owning your own home can earn you a little savings because maintaining a house shows financial diligence.
Organization Discounts – Joining certain professional organizations could earn you a nice discount when shopping for insurance.

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, you aren’t that lucky.

Larger insurance companies and a selection of discounts can be found below.

Progressive offers premium reductions for multi-vehicle, multi-policy, online quote discount, continuous coverage, good student, and homeowner.
The Hartford has discounts for good student, air bag, driver training, anti-theft, defensive driver, bundle, and vehicle fuel type.
Mercury Insurance has savings for annual mileage, location of vehicle, good driver, low natural disaster claims, good student, and type of vehicle.
GEICO may have discounts that include daytime running lights, five-year accident-free, defensive driver, membership and employees, anti-lock brakes, and military active duty.
AAA discounts include pay-in-full, AAA membership discount, anti-theft, good student, good driver, and education and occupation.
State Farm includes discounts for driver’s education, good student, accident-free, multiple policy, and multiple autos.

When comparing rates, check with every insurance company which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in your state. If you would like to see a list of insurers that offer some of these discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

Will my rates increase for filing one claim?
What if I owe more than I can insure my car for?
How much liability insurance is required?
Why am I required to buy liability insurance?
Exactly who is provided coverage by my policy?
Am I covered when delivering products for my home-based business?
Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Specific coverages for a Cadillac Escalade ESV

Having a good grasp of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like nursing services, funeral costs, doctor visits, chiropractic care and X-ray expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

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

Comprehensive coverage protects against claims such as fire damage, vandalism, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim 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 collisions

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Cadillac Escalade ESV.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are similar to your liability insurance amounts.

Coverage for liability

Liability coverage provides protection from damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as attorney fees, pain and suffering, court costs and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.