2004 Cadillac Escalade EXT Insurance Quotes

Shoppers have lots of choices when shopping for low-cost Cadillac Escalade EXT insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to compare rates. There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to get price quotes on a Cadillac and locate the best price possible.

How to compare free auto insurance quotes

Many insurance companies like Progressive, Allstate and Geico allow you to get coverage price quotes from their websites. Getting prices online is fairly straightforward as you simply enter the amount of coverage you want on the page. Once entered, the company’s rating system will obtain information on your driving record and credit history and returns pricing information based on the data you entered.

Quoting online makes it simple to compare prices but the time required to go to a lot of sites and type in the same information is a waste of time. But it is imperative to perform this step in order to find the best price possible.

The smarter way to lower your rates requires only one form that obtains quotes from several companies at one time. It saves time, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. After sending the form, it is quoted and you can select any one of the quote results. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. This process only takes a few minutes and you will know how your current rates stack up.

To get comparison pricing now, click here and begin entering your coverage information. If you have your current policy handy, we recommend that you enter the coverage information identical to your current policy. This way, you will get a fair comparison based on the exact same insurance coverage.

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Get cheap auto insurance with discounts

Auto insurance can be pricey, but there could be significant discounts that can dramatically reduce your bill. Some discounts will apply when you purchase, but lesser-known reductions have to be inquired about in order for you to get them.

• Multiple Cars – Buying coverage for all your vehicles with one company may reduce the rate for each vehicle.
• Save with a New Car – Insuring a vehicle that is new can save you some money because newer vehicles are generally safer.
• Organization Discounts – Joining qualifying employment or professional organizations is a good way to get lower rates on your next renewal.
• Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education as it can save substantially.
• Active Service Discounts – Having a family member in the military may qualify for rate reductions.
• Online Discount – Many insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
• Accident Forgiveness – but some insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

A list of companies and the discounts they provide are:

• Progressive offers discounts including continuous coverage, homeowner, multi-policy, multi-vehicle, and online signing.
• SAFECO has savings for accident prevention training, bundle discounts, drive less, anti-lock brakes, homeowner, teen safety rewards, and safe driver.
• American Family discounts include Steer into Savings, defensive driver, accident-free, TimeAway discount, and mySafetyValet.
• MetLife offers premium reductions for good student, accident-free, claim-free, defensive driver, good driver, multi-policy
• Geico includes discounts for anti-lock brakes, multi-policy, military active duty, emergency military deployment, good student, and five-year accident-free.
• The Hartford may include discounts for anti-theft, bundle, defensive driver, vehicle fuel type, good student, air bag, and driver training.

When getting free auto insurance quotes, it’s a good idea to each insurance company how you can save money. Some discounts may not apply to policyholders in your area. To find companies who offer auto insurance discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether or not you would benefit from professional advice.

• Is a fancy paint job covered?
• Do I need PIP (personal injury protection) coverage in my state?
• When do I need to add a new car to my policy?
• I have health insurance so do I need medical payments coverage?
• If my pet gets injured in an accident are they covered?
• Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Find cheaper car insurance with these tips

Consumers need to have an understanding of some of the things that aid in calculating your policy premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that may reward you with lower rates.

The items below are some of the most rate-impacting factors used by companies to determine your rates.

• Alarms and GPS tracking systems cut prices – Selecting a car model with a theft deterrent system can save you some money. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
• Annual miles is a factor – Driving more miles in a year the more you’ll pay to insure it. A lot of insurance companies calculate prices based on their usage. Cars and trucks not used for work or commuting cost less to insure than cars that get driven a lot. It’s a smart idea to ensure your car insurance policy states annual mileage, because improper ratings can cost you money. Improper usage on your Escalade EXT is just wasting money.
• Too many policy claims drive up rates – If you’re an insured who likes to file claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Auto insurance companies provide cheaper rates to drivers that do not abuse their auto insurance. Auto insurance is meant to be used in the event of larger claims.
• Discounts for auto and home policies – Lots of companies allow lower prices for people that purchase more than one policy. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you already get this discount, it’s still a good idea to compare other insurance prices to help ensure you have the lowest rates.
• Extra policy coverages may be wasting money – There are many additional extra coverages you can purchase when buying car insurance. Add-on coverages like roadside assistance, accidental death, and Farm Bureau memberships are probably not needed. These coverages may sound good when deciding what coverages you need, but your money might be better spent on other coverage so remove them and pocket the money.
• Lower premiums with continuous coverage – Having a lapse in insurance coverage will be a fast way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance may earn you a license revocation or jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• Save money with good credit – Having a bad credit history is a large factor in calculating your premium rate. If your credit history is low, you could save money insuring your 2004 Cadillac Escalade EXT if you improve your credit rating. Drivers with excellent credit tend to be less risk to insure than drivers who have poor credit.

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Advertising myths

Consumers get pounded daily by advertisements that promise big savings from companies such as Progressive, Allstate and Geico. All the companies try to convey promises that you can save if you switch to them.

How is it possible that every company can charge you less for auto insurance? It’s all in the numbers.

All the different companies offer their best rates for the type of customer that will generate a profit. For example, a profitable insured might be over the age of 50, is a homeowner, and drives a vehicle with a low ISO rating. Any driver that meets those criteria may get the lowest premium rates and will save quite a bit of money when switching.

Insureds who may not quite match those standards will be charged higher premiums with the end result being the driver buying from a lower-cost company. The wording the ads use say “customers that switch” not “everybody who quotes” save that much when switching. That is how insurance companies can make it sound like they have such great auto insurance rates. Each company has different criteria, so you should do a rate comparison at every renewal. It is impossible to predict the company that will fit your personal profile best.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability auto insurance – Liability insurance provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, medical services, attorney fees and loss of income. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses such as prosthetic devices, X-ray expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – This covers damage to your Escalade EXT resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from getting keyed and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Feed the piggy bank

Drivers who switch companies do it for many reasons like policy cancellation, delays in paying claims, denial of a claim and high rates after DUI convictions. It doesn’t matter what your reason, finding a new insurance coverage company is less work than it seems.

We just covered quite a bit of information on how to lower your 2004 Cadillac Escalade EXT insurance prices. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance coverage is with a smaller regional carrier.

Budget-friendly insurance coverage can be sourced both online as well as from insurance agents, so you need to shop auto insurance with both to have the best selection. Some companies do not provide rate quotes online and most of the time these smaller providers work with independent insurance agencies.

For more information, feel free to visit these articles:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Auto Insurance Learning Center (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)

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