Cheap 2002 Cadillac Escalade Car Insurance Cost

Finding the cheapest insurance for your Cadillac Escalade can be an all-consuming task, but you can follow our auto insurance buying tips to make it easier.

There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to price shop coverage for your Cadillac and find the best price possible.

It’s important to do rate comparisons occasionally due to the fact that insurance rates trend upward over time. Just because you had the lowest price for Escalade insurance a couple years back you will most likely find a better rate today. There is a lot of bad information regarding auto insurance on the web, but we’re going to give you some of the best ways to buy auto insurance cheaper.

Comprehensive Insurance Coverage Comparison

Finding cheaper 2002 Cadillac Escalade insurance coverage prices is surprisingly easy. All that’s required is to spend a little time getting comparison quotes from different insurance companies. This can be accomplished in a couple of different ways.

• The recommended way to get quotes is to use a rate comparison form (click to open form in new window). This method prevents you from having to do boring form submissions for each company you want a rate for. One quote request gets you price quotes from all major companies. It’s definitely the quickest method.
• A slightly less efficient method to obtain and compare quotes online requires visiting each company’s website to complete their respective quote request forms. For examples sake, let’s say you want to compare rates from GEICO, Farmers and GMAC. To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same quote information with each company. If the quotes have mixed coverages it will be next to impossible to truly determine the lowest rate.

Situations that might require an agent

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

• Should I sign the liability waiver when renting a car?
• Is my dog or cat covered if injured in an accident?
• When should I buy a commercial auto policy?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I get a pro-rated refund if I cancel my policy early?
• What is the difference between comprehensive and collision coverage?
• When should I drop full coverage on my 2002 Cadillac Escalade?
• Does my personal policy cover me when driving out-of-state?
• Is rental equipment covered for theft or damage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage protection

This coverage covers damage to your Escalade caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a building, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for hospital visits, X-ray expenses, pain medications, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, hitting a bird, damage from getting keyed and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as structural damage, court costs, repair costs for stationary objects, medical expenses and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Cadillac Escalade.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.