2014 Cadillac Escalade Insurance Quotes – 5 Policy Discounts

Looking for cheaper car insurance rates for your Cadillac Escalade? Finding cheaper insurance for your Cadillac Escalade can turn out to be a painful process, but you can use a few tricks and make it easy.

There is a better way to buy car insurance and we’ll show you the proper way to quote coverages for a new or used Cadillac and find the cheapest rates from local insurance agents and online providers.

You should make it a habit to quote other rates yearly since insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for Escalade coverage two years ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to learn the best methods to get good coverage at a lower rate.

Cheapest insurance rate quotes

Most of the larger companies like Allstate, GEICO and Progressive provide price estimates direct online. Comparing prices online is quite easy because you just enter the coverage amounts you desire on the page. After the form is submitted, the company’s rating system collects your driving record and credit report and quotes a price based on the information you submitted.

Online price estimates helps simplify price comparisons, but the work required to visit different websites and type in the same information can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible in order to find a better rate.

Isn’t there an easier way to compare rates?

The easiest way to lower your insurance bill uses one simple form to obtain quotes from multiple companies. The form is fast, reduces the work, and makes quoting online much easier to do. Once the form is submitted, it is rated and you are able to buy your choice of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The whole process only takes a few minutes and can result in significant savings.

To save time and find out how much you can save on insurance, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you input the coverages as close as possible to your current policy. This guarantees you will get comparison quotes for exact coverage.

Insurance Discounts

Some insurers don’t list all their discounts very well, so the following list contains both well-publicized and the more hidden discounts that may be available.

  • No Charge for an Accident – This one is not really a discount per se, but companies like Libery Mutual, GEICO and Allstate will forgive one accident without the usual rate increase if you have no claims for a specific time period.
  • Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Active Service Discounts – Being on active duty in the military could qualify you for better insurance rates.
  • Multi-policy Discount – When you have multiple policies and place coverage with the same company you may earn over 10 percent off each policy depending on the company.
  • Air Bag Discount – Cars that have air bags or automatic seat belts could see savings of 25 to 30%.

We need to note that many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, it’s just not the way it works. But all discounts will definitely reduce your insurance premiums.

Some of the insurance companies who might offer these benefits possibly include:

Before buying, ask every company to give you their best rates. Depending on the company, some discounts might not be offered on policies everywhere. For a list of insurers who offer free insurance quotes, click here.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if your insurance needs may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Am I covered if I hit my neighbor’s mailbox?
  • How can I get my company to pay me more for my totalled car?
  • Is my teen driver covered when they drive my company car?
  • Does my car insurance cover rental cars?
  • How much liability insurance is required?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Insurance policy coverages for a 2014 Cadillac Escalade

Having a good grasp of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for liability – Liability coverage can cover damage that occurs to people or other property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses, medical expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like nursing services, doctor visits, pain medications, chiropractic care and dental work. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a bird, vandalism, hitting a deer and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Cadillac Escalade.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.