Compare 2010 Cadillac Escalade EXT Insurance Quotes

Want cheaper auto insurance rates for your Cadillac Escalade EXT? Nobody likes paying for auto insurance, especially when they are paying too much. Online insurance companies like State Farm, Geico and Farmers Insurance constantly bombard you with ad campaigns and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

Consumers should take time to price shop coverage occasionally because rates are usually higher with each renewal. Even if you got the lowest price for Escalade EXT coverage six months ago a different company probably has better rates today. There is a lot of bad information regarding auto insurance online but I’m going to show you some excellent ideas to quit paying high auto insurance rates.

If you have a current auto insurance policy or need a new policy, you can learn to find better prices while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Consumers just need to understand how to get comparison quotes online.

Free Insurance Coverage Quotes

Reducing your 2010 Cadillac Escalade EXT insurance rates is actually quite simple. The only requirement is to take a few minutes comparing rate quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

The most efficient way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do separate quotes to each individual insurance coverage company. One form submission gets you coverage quotes from several companies.

A less efficient way to find lower rates requires you to visit each company’s website to request a price quote. For sake of this example, let’s assume you want to compare Farmers, 21st Century and Geico. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but make darn sure you compare the exact same coverage information for each comparison quote. If you compare different deductibles it’s not possible to determine which rate is truly the best.

Are you getting all your discounts?

The price of auto insurance can be rather high, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be manually applied before you get the savings. If they aren’t giving you every credit you deserve, you are throwing money away.

Auto/Home Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Escalade EXT coverage than their less cautious counterparts.
Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
55 and Retired – Older drivers may be able to get a small decrease in premiums for Escalade EXT coverage.
Accident Waiver – Certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
Fewer Miles Equal More Savings – Driving fewer miles could qualify for better rates on cars that stay parked.

It’s important to note that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will bring down your premiums.

Companies who might offer these benefits include:

Check with each insurance company what discounts are available to you. Some discounts might not apply in your state.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

When would I need rental car insurance?
How do I insure my teen driver?
Do I have any recourse if my insurance company denies a claim?
Does my policy pay for OEM or aftermarket parts?
Is my teenager covered with friends in the car?
Why am I required to buy high-risk coverage?
How high should deductibles be on a 2010 Cadillac Escalade EXT?
What is no-fault insurance?
I don’t drive much so do I pay less?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance pays for damage to your Escalade EXT caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, 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.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like surgery, prosthetic devices and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability auto insurance

This will cover damage that occurs to a person or their property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, attorney fees, legal defense fees and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, hitting a bird, vandalism, falling objects and damage from flooding. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.