How Much Does 2009 Cadillac Escalade ESV Insurance Cost?

Looking for the cheapest car insurance rates for your Cadillac Escalade ESV? Are you irritated from sacrificing to keep your car insured? You’re in the same situation as many other drivers.

Companies like Geico and Progressive all claim big savings, bombarding you with TV and radio ads and it is difficult to see past the corporate glitz and take the time to shop coverage around.

It’s a good habit to shop coverage around as often as possible due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the best price for Escalade ESV coverage a year ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the fastest way to find great coverage at a great price.

If you have car insurance now, you should be able to cut costs considerably using these methods. Finding the best rates is not rocket science. But car owners need to have an understanding of the methods companies use to sell insurance online.

The quickest way to compare car insurance rates takes advantage of the fact most of the larger companies participate in a system to give free rates quotes. The only thing you need to do is provide the companies a bit of rating information like whether you drive to work or school, daily mileage, marital status, and any included safety features. Your details is instantly submitted to insurance companies and they return rate quotes instantly.

Educated choices result in lower insurance costs

Many factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but other criteria are more obscure like your vehicle usage or your commute time.

The factors shown below are some of the factors used by companies to determine prices.

  • Use one insurance company and save – Most companies afford a discount to buyers who have multiple policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount it’s still a good idea to check prices from other companies to help guarantee you have the best rates. Drivers may still save money even if you have your coverage with different companies
  • Allowing your coverage to lapse raises premiums – Driving any period of time without insurance can get you a ticket and your next policy will cost more because you let your insurance coverage expire. And not only will insurance be more expensive, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license.
  • Reduce prices by driving cars with good safety ratings – Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders. If your Cadillac Escalade ESV has ratings of a minimum four stars on Safercar.gov you may be receiving a better rate.
  • Women tend to be lower risk – Over time, data shows that females tend to be a little less risky than males. However, don’t assume that women are BETTER drivers than men. Men and women have accidents at about the same rate, but men cause more damage. In addition to higher claims, males also get cited for more serious violations such as reckless driving. Teenage male drivers cause the most accidents and therefore are the most expensive to insure.
  • Liability coverage limits on your policy – A critical coverage on your policy, liability insurance kicks in in the event that you are found liable for physical damage or personal injury to other. Liability insurance provides for a legal defense to defend your case. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Getting married can lower costs – Walking down the aisle helps lower the price on your auto insurance policy. It generally demonstrates drivers are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.

Lower-cost car insurance rates with discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Certain credits will be shown when you get a quote, but less common discounts must be specially asked for in order for you to get them.

  • Theft Deterent – Cars that have factory anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Good Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less for Escalade ESV coverage as compared to drivers with claims.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and therefore earn up to a 10% discount.
  • No Claim Discounts – Drivers with accident-free driving histories can save substantially in comparison to frequent claim filers.
  • Mature Driver Discount – Drivers over the age of 55 could receive better car insurance rates for Escalade ESV coverage.
  • Safety Restraint Discount – Drivers who require all occupants to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
  • Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can avoid monthly service charges.
  • First Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual and Geico allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free before the accident.
  • Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off for Escalade ESV coverage depending on your car insurance provider.
  • Lower Rates for Military – Being deployed with a military unit could mean lower premium rates.

As a footnote on discounts, some of the credits will not apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way.

Popular car insurance companies and a selection of discounts are:

  • Progressive may offer discounts for multi-vehicle, online signing, homeowner, online quote discount, multi-policy, and good student.
  • MetLife has savings for multi-policy, defensive driver, good driver, accident-free, good student, claim-free
  • Mercury Insurance may include discounts for multi-policy, annual mileage, accident-free, age of vehicle, good driver, professional/association, and multi-car.
  • Nationwide has discounts for defensive driving, multi-policy, family plan, good student, easy pay, business or organization, and anti-theft.
  • Geico offers discounts including military active duty, defensive driver, good student, multi-policy, multi-vehicle, and five-year accident-free.
  • AAA policyholders can earn discounts including multi-car, AAA membership discount, multi-policy, education and occupation, and good driver.

When comparing rates, check with each company or agent which credits you are entitled to. Discounts may not apply to policyholders in your area. If you would like to view companies with discount rates, follow this link.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can help discover whether or not you will benefit from professional help.

  • Do I need an umbrella policy?
  • What if I don’t agree with a claim settlement offer?
  • Can my teen drive my company car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a blown tire covered by insurance?
  • Why do I only qualify for high-risk insurance?
  • Am I covered if I hit a deer?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage breakdown

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages offered by car insurance companies.

Collision insurance

This will pay to fix damage to your Escalade ESV from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, doctor visits, EMT expenses, prosthetic devices and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability

This coverage provides protection from damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, theft and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Cadillac Escalade ESV.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Save your cold hard cash

We just presented many tips how you can get a better price on 2009 Cadillac Escalade ESV insurance. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper insurance coverage. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

As you restructure your insurance plan, never reduce needed coverages to save money. There have been many situations where someone sacrificed physical damage coverage only to regret they didn’t purchase enough coverage. The goal is to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

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