2006 Cadillac Escalade Car Insurance Cost

Want cheaper car insurance rates for your Cadillac Escalade? If you are a novice to online car insurance shopping, you can be baffled due to the large selection of insurers competing for business.

It’s a good idea to get comparison quotes yearly due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the best rates for Escalade insurance last year you will most likely find a better rate quote today. Ignore everything you know about car insurance because you’re about to learn the right way to find better rates and still maintain coverage.

How to buy auto insurance online

There are a variety of methods to compare auto insurance quotes, and some are easier and takes less work. You can waste hours discussing policy coverages with insurance companies in your area, or you can stay home and use the web for quick rates.

All the larger companies belong to an insurance system that allows shoppers to complete one form, and at least one company then returns a price quote. This saves time by eliminating quote forms to each company. To submit your quote information now, click to open in new window.

The single downside to doing it this way is you can’t choose which companies to get pricing from. So if you prefer to choose individual companies to request quotes from, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you which method you use, but make darn sure you compare the exact same information on every price quote you get. If you enter higher or lower deductibles it will be impossible to determine which rate is truly the best. Just slight variations in limits may cause a big price difference. Just keep in mind that having more price comparisons helps improve the odds of finding a better price.

Everyone needs different insurance coverages

When buying the best insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if you will benefit from professional help.

  • How do I buy GAP insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if I wreck a rental car?
  • Is my custom paint covered by insurance?
  • When would I need additional glass coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance 101

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Cadillac Escalade.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability

This can cover injuries or damage you cause to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as loss of income, repair costs for stationary objects, funeral expenses, medical services and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like X-ray expenses, hospital visits, rehabilitation expenses, nursing services and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, falling objects and hitting a deer. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays for damage to your Escalade from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.