2013 Cadillac Escalade EXT Insurance Quotes – 5 Tips to Save

Searching for cheaper auto insurance rates for your Cadillac Escalade EXT? I can’t think of anyone who enjoys paying for auto insurance, in particular when their premiums are through the roof. Multiple auto insurance companies compete to insure your vehicles, so it can be very hard to choose a company and get the definite lowest rate possible.

Quick Insurance Coverage Quotes

Effectively comparing insurance coverage prices is a ton of work if you don’t know the most efficient way. You could waste a few hours driving to insurance agencies in your area, or you could save time and use online quotes to get pricing more quickly.

Most of the larger companies belong to an insurance system where insurance shoppers submit their information once, and each participating company returns a rated price for coverage. This prevents consumers from doing quote forms for each company you want a rate for.

To get comparison pricing now click here to start a free quote.

The only drawback to comparing rates this way is you don’t know exactly which providers to receive prices from. So if you want to choose specific insurance companies to compare rates, we put together a list of insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage limits and deductibles on every quote you get. If you have different values for each quote it’s impossible to determine which rate is truly the best.

Cut your insurance coverage rates with these five discounts

Car insurance companies don’t always publicize all available discounts very clearly, so here is a list both the well known and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Driver Safety – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because owning a home shows financial diligence.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you’re out of luck.

For a list of insurers offering insurance coverage discounts, click here to view.

You are unique and your auto insurance should be too

When buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can help discover whether you could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • Will filing a claim cost me more?
  • How much liability do I need to cover my assets?
  • Where can I find high-risk insurance?
  • When should I drop full coverage on my 2013 Cadillac Escalade EXT?
  • What if I total my 2013 Cadillac Escalade EXT and owe more than it’s worth?
  • How can I force my company to pay a claim?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Coverage for collisions

This coverage will pay to fix damage to your Escalade EXT resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, damage from a tornado or hurricane, theft, falling objects and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like funeral costs, chiropractic care, pain medications, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, structural damage and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Never pay more for less

As you restructure your insurance plan, do not buy poor coverage just to save money. Too many times, consumers will sacrifice full coverage and learned later that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We just showed you some good ideas how you can lower your 2013 Cadillac Escalade EXT insurance rates. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.

Low-cost insurance is available online and also from your neighborhood agents, so you should compare both to have the best rate selection. Some companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Additional detailed information can be read by following these links: