Cheap 2009 Cadillac Escalade EXT Insurance Cost

No one cherishes buying car insurance, particularly when their premiums are through the roof. Lots of insurance companies contend to insure your vehicles, and it can be difficult to compare rates to find the lowest cost out there.

Comprehensive Insurance Comparison

Comparing insurance rates can be a lot of work if you aren’t aware of the most efficient way. You could waste time driving to local insurance agents in your area, or you could use online quotes to get the quickest rates.

Many of the larger companies enroll in a system where prospective buyers enter their policy data once, and each participating company then returns a price quote determined by their information. This system prevents you from having to do form submissions for every insurance company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to using this type of form is you can’t choose the companies you will receive quotes from. If you would rather choose specific providers to compare rates, we put together a list of low cost insurance companies in your area. Click here to view list.

Whichever way you use, compare apples-to-apples coverage information for every company. If you enter unequal deductibles or liability limits it will be impossible to decipher which rate is best.

Will just any policy work for me?

When it comes to buying the best insurance coverage, there really is not a best way to insure your cars. Every situation is different so your insurance should reflect that For instance, these questions can help discover if your insurance needs may require specific advice.

• When should my teen driver be added to my policy?
• Am I better off with higher deductibles on my 2009 Cadillac Escalade EXT?
• When do I need to add a new car to my policy?
• Do I have coverage when making deliveries for my home business?
• How much liability insurance is required?
• Do I have any recourse if my insurance company denies a claim?
• Can I rent a car in Mexico?
• What is roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Cadillac Escalade EXT.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses like EMT expenses, surgery and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage protection

This pays for damage to your Escalade EXT resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, hail damage, a broken windshield and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, emergency aid, funeral expenses and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.