2004 Cadillac Escalade EXT Car Insurance Quotes

Want cheaper insurance coverage rates for your Cadillac Escalade EXT? Nobody loves paying for insurance coverage, especially when they are aware that the cost is too high.

Vehicle owners have many insurance companies to choose from, and though it is a good thing to have a choice, lots of choices makes it harder to adequately compare rates.

It’s important to get comparison quotes once or twice a year since prices are adjusted regularly by insurance companies. Just because you had the best rate on Escalade EXT coverage at your last renewal the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to how to quote online to lower your rates without sacrificing coverage.

Save with with these discounts

Some providers don’t always list all possible discounts very clearly, so we break down a few of the more common in addition to some of the lesser obvious ways to save on car insurance.

  • Telematics Data – Policyholders that allow their insurance company to look at where and when they drive by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Early Renewal Discounts – Some insurance companies reward drivers for switching policies prior to the expiration date on your current policy. This can save 10% or more.
  • Bundled Policy Discount – If you can bundle your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.
  • Discount for Home Ownership – Just being a homeowner may earn you a small savings because maintaining a house requires a higher level of personal finance.
  • Low Mileage – Driving less may enable drivers to earn slightly better car insurancerates than normal.
  • Active Military Service – Having a deployed family member can result in better prices.

Remember that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though the math looks like you can get free auto insurance, it just doesn’t work that way.

Some companies that have most of the discounts above include:

If you need lower rates, check with all the companies what discounts are available to you. Some credits may not apply to policyholders in your area. To see providers with discount car insurance rates, follow this link.

Low cost insurance coverage prices

Comparing insurance coverage rates is a ton of work if you don’t know the best way to get rate quotes. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Most car insurance companies belong to an insurance system where prospective buyers complete one form, and every company can give them a price based on that information. This prevents consumers from doing quote forms for every insurance coverage company.

To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to using this type of system is buyers cannot specifically choose which companies to get quotes from. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but do your best to enter the exact same coverages for every company. If you use different data it’s impossible to truly determine the lowest rate. Quoting even small variations in coverages can result in a big premium difference. Just keep in mind that comparing more company’s prices helps improve the odds of finding more affordable insurance.

Get more affordable insurance rates by understanding these factors

Consumers need to have an understanding of the different types of things that aid in calculating your premiums. If you know what controls the rates you pay, this allows you to make good choices that will entitle you to lower premium levels.

  • Annual miles is a factor – The more you drive your Cadillac in a year the more you will pay for insurance coverage. A lot of companies charge to insure your cars based on how the vehicle is used. Autos that do not get driven very much qualify for better rates than those that get driven frequently. Incorrect rating for your Escalade EXT may be wasting your money. Make sure your insurance coverage policy reflects the correct driver usage.
  • Premiums are high for teenagers – Teenage drivers are proven to be careless and easily distracted with other occupants in the car so insurance coverage rates are higher. Older insureds are more responsible, file fewer claims , and usually have better credit.
  • Never have coverage lapses – Driving with no insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, the inability to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Lower rates with a multi-policy discount – The majority of insurance companies allow better rates for people that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to shop around to make sure you are getting the best deal. You may still be able to find lower rates by buying insurance coverage from a different company.
  • Limits of liability – Your policy’s liability coverage is the protection if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • When should you not file a policy claims? – Insurance companies provide better rates to drivers who are not frequent claim filers. If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Big cities have higher prices – Living in areas with lower population is a good thing if you are looking for the lowest rates. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. People who live in big cities tend to have more traffic problems and a longer drive to work. The longer drive time means more chance of being in an accident.
  • Prevent theft and lower premiums – Choosing a vehicle with an alarm system can help lower your premiums. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. These are some specific questions might point out if your situation may require specific advice.

  • What can I do if my company denied a claim?
  • Am I covered if I wreck a rental car?
  • What is PIP insurance?
  • Where can I get insurance after a DUI in my state?
  • Should I sign the liability waiver when renting a car?
  • Do I need medical payments coverage since I have good health insurance?
  • Is rental equipment covered for theft or damage?
  • What discounts do I qualify for?
  • Do I benefit by insuring my home with the same company?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Parts of your insurance policy

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, theft, falling objects, hitting a deer and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like ambulance fees, EMT expenses, pain medications and prosthetic devices. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2004 Cadillac Escalade EXT.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability

This coverage provides protection from damage that occurs to a person or their property in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Affordable insurance is out there

Throughout this article, we presented many tips how you can lower your 2004 Cadillac Escalade EXT insurance car insurance rates. The key thing to remember is the more you quote car insurance, the higher your chance of finding the cheapest car insurance. Consumers may even find the biggest savings come from an unexpected company. Regional companies can often provide lower premium rates in certain areas than their larger competitors like State Farm and Allstate.

Low-cost 2004 Cadillac Escalade EXT insurance can be found on the web and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and most of the time these small, regional companies sell through independent insurance agents.

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