2013 Cadillac Escalade ESV Car Insurance Quotes – 6 Ideas for Cheaper Rates

Looking for the cheapest insurance rates for your Cadillac Escalade ESV? Tired of not being able to afford to pay your car insurance bill each month? You are no different than many other consumers. Drivers have so many insurance companies to insure vehicles with, and although it’s nice to be able to choose, it can be more difficult to compare rates.

It’s important to get comparison quotes before your policy renews since insurance rates go up and down regularly. Despite the fact that you may have had the best rates for Escalade ESV insurance a few years ago you will most likely find a better rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

Free Insurance Quotes

There are several ways you can shop for Cadillac Escalade ESV insurance but some are less time-consuming than others. You can spend your afternoon driving to insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

Many popular insurance companies take part in a program that enables customers to enter their coverage request one time, and each participating company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to every company.

To access this free quoting program, click here to open in new window.

One minor caviat to doing it this way is you are unable to specify which providers to get pricing from. If you wish to select specific insurance companies to compare rates, we have assembled a list of companies who write insurance in your area. Click to view list.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverages and limits on every quote you get. If your comparisons have different limits and deductibles on each one you can’t possibly determine the lowest rate for your Cadillac Escalade ESV.

Don’t miss these six discounts

Companies offering auto insurance do not advertise all available discounts very clearly, so we researched both well-publicized as well as the least known auto insurance savings. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Clubs and Organizations – Participating in certain professional organizations could qualify you for a break on your policy for Escalade ESV insurance.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Drivers Ed for Students – Have your child complete a driver education course in school.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

Companies that may have some of the above discounts may include but are not limited to:

Double check with all companies you are considering which discounts they offer. Savings might not apply in every state.

When might I need help?

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation will benefit from professional help.

  • What is an SR-22 filing?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need roadside assistance coverage?
  • Should I waive the damage coverage when renting a car?
  • Exactly who is provided coverage by my policy?
  • Is my 2013 Cadillac Escalade ESV covered for flood damage?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Information about specific coverages

Knowing the specifics of auto insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Insurance for medical payments

Med pay and PIP coverage pay for expenses like dental work, pain medications and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

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 coverage protects against claims such as hail damage, theft, a broken windshield and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Cadillac Escalade ESV.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages

This provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like medical services, court costs, repair bills for other people’s vehicles, emergency aid and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Escalade ESV from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Save for a rainy day

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where someone dropped physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate.

Budget-conscious 2013 Cadillac Escalade ESV insurance can be purchased on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

More detailed auto insurance information can be found in the articles below: