2005 Cadillac Escalade EXT Insurance Rates – 6 Tips for Best Quotes

Want the cheapest auto insurance rates for your Cadillac Escalade EXT? Are you drained from robbing Peter to pay Paul to make your auto insurance payment? You are in the same boat as millions of other people. Big companies like Geico, 21st Century and Progressive constantly blast consumers with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

Smart consumers take time to quote other rates yearly since insurance prices are constantly changing. Despite the fact that you may have had the best quotes on Escalade EXT insurance last year you can probably find a lower rate today. You can find a lot of information about auto insurance on the internet, but in a few minutes you can learn a bunch of ideas how to lower your auto insurance rates.

Save money with these six discounts

Some insurance providers do not advertise the complete list of policy discounts very well, so the list below gives a summary of some of the best known as well as the least known car insurance savings.

  • Drive Less and Save – Keeping the miles down on your Cadillac can qualify you for cheaper rates.
  • Professional Memberships – Participating in specific professional or occupational memberships or organizations could qualify you for a break on your policy.
  • Accident Waiver – but certain companies will let one accident slide before they charge you more for coverage if you are claim-free for a set time period.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
  • Include Life Insurance and Save – Some insurance companies give better premium rates if you take out a life insurance policy as well.
  • Senior Citizen Discount – Mature drivers can possibly qualify for better car insurance rates on Escalade EXT insurance.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you can get free auto insurance, car insurance companies aren’t that generous. But any discount will cut the amount you pay for coverage.

A few of the larger companies and a summarized list of policyholder discounts are included below.

  • Geico has savings for multi-vehicle, five-year accident-free, federal employee, driver training, good student, and air bags.
  • Auto-Owners Insurance policyholders can earn discounts including good student, air bags, company car, paid in full, anti-lock brakes, safe driver, and mature driver.
  • American Family offers premium reductions for bundled insurance, accident-free, good student, defensive driver, and multi-vehicle.
  • Esurance has discounts for emergency road assistance, multi-policy, Pac-12 alumni, anti-lock brakes, online quote, and claim free.
  • Progressive offers discounts for continuous coverage, homeowner, multi-policy, good student, online signing, and online quote discount.
  • State Farm may offer discounts for Steer Clear safe driver discount, multiple policy, anti-theft, Drive Safe & Save, accident-free, and student away at school.
  • AAA may include discounts for anti-theft, education and occupation, good student, pay-in-full, AAA membership discount, multi-car, and good driver.

When getting a coverage quote, ask each company to give you their best rates. Some discounts may not be available everywhere.

Insurance coverage can be complex

When choosing coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • Is extra glass coverage worth it?
  • What should my uninsured motorist coverage limits be in my state?
  • What discounts do I qualify for?
  • How do I file an SR-22 for a DUI in my state?
  • Can I drive in Mexico and have coverage?
  • Do I need higher collision deductibles?
  • Can I get a multi-policy discount?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Auto liability

This coverage protects you from damage that occurs to other’s property or people. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as funeral expenses, medical expenses and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, a tree branch falling on your vehicle, hail damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 2005 Cadillac Escalade EXT.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as X-ray expenses, pain medications, dental work and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage

This covers damage to your Escalade EXT caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Find Good Coverage for Less

We just covered some good ideas how to reduce 2005 Cadillac Escalade EXT insurance car insurance rates online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheap car insurance. You may even find the best price on insurance coverage is with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or Geico.

Lower-priced insurance coverage is available from both online companies in addition to local insurance agencies, so you need to shop car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not have online rate quotes and these smaller providers work with independent insurance agencies.

When you buy car insurance online, it’s very important that you do not reduce needed coverages to save money. Too many times, consumers will sacrifice full coverage only to discover later that they should have had better coverage. Your goal is to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

More detailed insurance coverage information can be found in these articles: