View 2006 Cadillac Escalade EXT Insurance Quotes

If you’re new to shopping for insurance coverage quotes online, it’s easy to be baffled by the confusing number local agents and online companies all claiming to have the lowest rates.

You need to do price comparisons at least once a year because prices are constantly changing. Just because you found the best deal on Escalade EXT insurance a year ago there may be better deals available now. Block out anything you think you know about insurance coverage because you’re going to learn the best way to remove unneeded coverages and save money.

Compare quotes for insurance coverage

Effectively comparing insurance coverage prices can be challenging if you don’t utilize the fastest way to get free quotes. You can waste hours driving to insurance agencies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and every company can give them a price. This prevents consumers from doing quote requests for each company.

To use this form to compare rates click here (opens in new window).

The only drawback to comparing rates this way is you don’t know exactly the insurers to get pricing from. So if you prefer to pick from a list of companies for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but make darn sure you compare the exact same deductibles and coverage limits for each comparison quote. If you use unequal deductibles or liability limits you can’t possibly determine the best price for your Cadillac Escalade EXT. Even a minor difference in limits could mean much higher rates. And when quoting insurance coverage, remember that comparing a wide range of rates will improve the odds of getting better pricing. Some companies don’t provide online price quotes, so you need to compare rates on coverage from those companies, too.

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Earn discounts to get lower-cost insurance rates

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so the following list contains some of the best known as well as the least known credits that may apply to you. If they aren’t giving you every credit available, you are paying more than you should be.

• Accident-Free Discounts – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote in comparison to frequent claim filers.
• One Accident Forgiven – Not really a discount, but some insurance companies will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a set time period.
• Data Collection Discounts – Insureds that choose to allow their company to scrutinize when and where they use their vehicle by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
• Driver’s Ed – Have your child enroll in driver’s education in high school.
• Discount for New Cars – Adding a new car to your policy is cheaper because new model year vehicles have to meet stringent safety requirements.
• ABS Braking Discount – Cars and trucks equipped with ABS or steering control can avoid accidents and will save you 10% or more.
• Multiple Vehicles – Drivers who insure multiple cars or trucks with the same insurance company could earn a price break for each car.

Discounts save money, but please remember that many deductions do not apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride.

Larger insurance companies and their possible discounts include:

• Progressive policyholders can earn discounts including good student, online signing, multi-policy, multi-vehicle, online quote discount, and homeowner.
• Farmers Insurance offers discounts for bundle discounts, homeowner, youthful driver, business and professional, electronic funds transfer, teen driver, and good student.
• Farm Bureau offers premium reductions for multi-policy, safe driver, driver training, youthful driver, multi-vehicle, and renewal discount.
• State Farm includes discounts for good student, defensive driving training, student away at school, multiple policy, and Drive Safe & Save.
• Geico may offer discounts for driver training, five-year accident-free, membership and employees, military active duty, air bags, federal employee, and anti-lock brakes.
• SAFECO has discounts for anti-lock brakes, drive less, teen safe driver, teen safety rewards, multi-car, and safe driver.
• Liberty Mutual may include discounts for teen driver discount, preferred payment discount, multi-policy, good student, new graduate, and newly married.

If you are trying to find low cost insurance coverage quotes, ask each company or agent which discounts can lower your rates. Some discounts may not be available in every state.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

• Should I buy only the required minimum liability coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• What is covered by UM/UIM coverage?
• Is my custom paint covered by insurance?
• Can I drive in Mexico and have coverage?
• Is there coverage for injuries to my pets?
• Should I buy full coverage?
• Can my teen drive my company car?
• What exactly is covered by my policy?

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 agent. To find an agent in your area, complete this form.

Informed drivers can save money

Smart consumers have a good feel for some of the things that go into determining insurance rates. When you know what positively or negatively determines base rates, this enables informed choices that may reward you with big savings. Lots of factors are taken into consideration when quoting car insurance. A few of the factors are predictable like an MVR report, although others are more transparent such as your marital status or your commute time.

• Costs may be higher where you live – Being located in less populated areas of the country can be a good thing when shopping for auto insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident in addition to fewer liability claims.
• Insurance is expensive for youthful drivers – Mature drivers are viewed as being more responsible, tend to cause fewer accidents .Youthful drivers are statistically shown to be more careless in a vehicle and because of this, their insurance rates are much higher.
• Do females or males drive better? – Over the last 30 years, statistics show that women are safer drivers than men. It does not mean females are better at driving than males. They both get in auto accidents in similar percentages, but males tend to have higher claims. Not only that, but men also get ticketed for serious violations such as reckless driving.
• Pay less if you’re married – Getting married may save some money on your insurance bill. It may mean you are more stable financially and it’s proven that drivers who are married are more cautious.
• Premiums increase with policy add-ons – Insurance policies have a lot of add-on coverages that can add up but may not be useful. Coverages like personal injury protection, high-cost glass coverage, and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but if they’re wasting money remove them and pocket the money.
• Liability protection is important – The liability coverage on your policy is the protection if a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
• Buy a safe car and pay less – Cars with high safety ratings are cheaper to insure. Vehicles built for safety result in less severe injuries and better occupant protection translates directly to fewer claims which can mean better rates for you. If the Cadillac Escalade EXT is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Mileage impacts costs – The higher the miles on your Cadillac in a year’s time the more you’ll pay to insure it. Most insurance companies charge to insure your cars based on their usage. Cars left parked in the garage receive better premium rates compared to those used for work or business. Verify your policy correctly shows annual mileage, because improper ratings can cost you money. Improper usage on your Escalade EXT can result in significantly higher rates.

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Car insurance coverage breakdown

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Cadillac Escalade EXT.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – This coverage pays for damage to your Escalade EXT caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, damage from getting keyed and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – This coverage protects you from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills such as funeral costs, prosthetic devices, ambulance fees, EMT expenses and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Buy Smart and Save

Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, lack of trust in their agent and even poor customer service. No matter why you want to switch, finding a new company is not as difficult as it may seem.

More affordable insurance can be found from both online companies as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not offer internet price quotes and most of the time these regional carriers prefer to sell through independent insurance agencies.

When you buy insurance coverage online, do not buy less coverage just to save a little money. In too many instances, someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best cost.

More tips and info about insurance can be found at these sites:

• Credit and Insurance Scores (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)

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