2013 Cadillac Escalade EXT Insurance Cost – 9 Savings Tips

Searching for lower insurance rates for your Cadillac Escalade EXT? Did you come to the realization that you have an expensive insurance policy? It’s quite common and there are a lot of people just like you who feel imprisoned by their insurance policy. Many car insurance companies vie for your business, so it’s not easy to compare every company to discover the definitive lowest rate

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Finding affordable coverage is quite easy. Consumers only need to know the most effective way to find the lowest price over the internet.

Discount auto insurance quotes

Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. Some trigger automatically at the time of quoting, but some must be requested specifically in order for you to get them. If you aren’t receiving every discount possible, you may be paying too high a price.

• Multi-car Discount – Purchasing coverage when you have multiple cars with the same company could earn a price break for each car.
• Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
• Active Service Discounts – Having a deployed family member could qualify you for better prices.
• Claim Free – Claim-free drivers have much lower rates as compared to drivers who are more careless.
• Theft Deterent – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
• Cautious Driver Discount – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote on Escalade EXT coverage than their less cautious counterparts.
• First Accident Forgiveness – Not necessarily a discount, but certain companies permit an accident before your rates go up if your claims history is clear prior to being involved in the accident.
• New Car Discount – Adding a new car to your policy is cheaper due to better safety requirements for newer models.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings as much as 30%.

Don’t be shocked that most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few companies who may offer most of the discounts above are:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When comparing rates, check with each company which discounts you may be entitled to. Depending on the company, some discounts may not apply to policies in your area. To choose insurance companies offering auto insurance discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

• Does insurance cover tools stolen from my truck?
• Is my dog or cat covered if injured in an accident?
• How high should my medical payments coverage be?
• Is upholstery damage covered by car insurance?
• Is my teenager covered with friends in the car?
• Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance specifics

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Cadillac Escalade EXT.

Because many people only carry the minimum required liability 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.

Liability insurance

Liability insurance can cover damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like attorney fees, loss of income, repair bills for other people’s vehicles, structural damage and medical expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision protection

Collision insurance covers damage to your Escalade EXT resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like dental work, nursing services and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

A penny earned…

You just learned some good ideas how to reduce 2013 Cadillac Escalade EXT insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest prices are with some of the lesser-known companies. These smaller insurers often have lower rates on specific markets as compared to the big name companies such as Allstate and Progressive.

The cheapest 2013 Cadillac Escalade EXT insurance is attainable online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get a quote online and many times these small, regional companies only sell coverage through independent agents.

For more information, take a look at the articles below:

• Collision Coverage (Liberty Mutual)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• How to Avoid Common Accidents (State Farm)
• Choosing a Car for Your Teen (State Farm)