Cheaper 2004 Cadillac Escalade EXT Car Insurance Cost

Searching for lower auto insurance rates for your Cadillac Escalade EXT? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are many consumers feeling the pinch from expensive auto insurance. There are many insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to compare rates and cut insurance costs.

It’s important to compare rates quite often since rates are constantly changing. Just because you had the best rates for Escalade EXT coverage a year ago you can probably find a better price now. Starting right now, ignore everything you know about auto insurance because you’re going to learn how to use online quotes to remove unneeded coverages and save money.

Cheap Insurance Coverage Comparisons

Getting a lower price on 2004 Cadillac Escalade EXT insurance is not a difficult process. All you need to do is invest a little time to compare quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do multiple quote forms for every insurance coverage company. One form gets you coverage quotes instantly.
A less efficient way to compare prices is going to the website for every company you want to comare and complete a new quote form. For example, let’s say you want to compare rates from Farmers, 21st Century and Progressive. To get each rate you have to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.
The least efficient method to compare rates is driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional advice only provided by licensed agents. Drivers can comparison shop online but buy from a local insurance agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverage limits and deductibles with each company. If you enter mixed coverages it will be next to impossible to determine the lowest rate for your Cadillac Escalade EXT.

Insurance agents can help

When choosing coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

What should my uninsured motorist coverage limits be in my state?
What are the best liability limits?
Should I put collision coverage on all my vehicles?
When should I buy a commercial auto policy?
Do I need medical payments coverage since I have good health insurance?
Am I covered when driving on a suspended license?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Learn about insurance coverages for a Cadillac Escalade EXT

Knowing the specifics of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Liability coverage

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as loss of income, structural damage, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, damage from a tornado or hurricane, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like dental work, EMT expenses, surgery and X-ray expenses. The coverages can be utilized in addition to 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 being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision insurance will pay to fix damage to your Escalade EXT from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another 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. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Cadillac Escalade EXT.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.