2011 Cadillac Escalade Car Insurance Quotes – 8 Tips for Best Rates

Looking for better car insurance rates for your Cadillac Escalade? Paying for high-priced Cadillac Escalade insurance can take a big chunk out of your savings account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to help make ends meet.

Drivers have multiple car insurance companies to choose from, and even though it’s nice to have a choice, it makes it harder to compare company pricing.

You should take the time to shop coverage around occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best price for Escalade coverage a couple years back other companies may now be cheaper. Starting right now, forget all the misinformation about car insurance because you’re going to learn the fastest way to properly buy coverages and cut your premium.

Finding the best rates is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Although vehicle owners must comprehend how insurance companies market on the web because it can help you find the best coverage.

The most recommended method to compare rate quotes is to know the trick most of the larger companies will pay a fee to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information including if you went to college, coverage limits, if your license is active, and daily mileage. Your rating data is then submitted to multiple companies and you will receive price estimates immediately.

To find the cheapest insurance rates, click here and enter your coverage details.

Lower rates by qualifying for these eight discounts

Companies that sell car insurance don’t always publicize all available discounts very clearly, so the following is a list of some of the best known and the harder-to-find insurance savings.

  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Escalade coverage with a few insurance companies.
  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Paperless Signup – A handful of insurance companies may give you up to $50 simply for signing on their website.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Escalade coverage than drivers with accidents.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.
  • Homeowners Savings – Simply owning a home may trigger a insurance policy discount because of the fact that having a home requires personal responsibility.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of insurance companies who offer insurance discounts, follow this link.

Car insurance is unique, just like you

When choosing coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions might help in determining if your situation would benefit from professional advice.

  • Is my dog or cat covered if injured in an accident?
  • Is rental equipment covered for theft or damage?
  • Should I buy only the required minimum liability coverage?
  • Does my car insurance cover rental cars?
  • Do I need replacement cost coverage on my 2011 Cadillac Escalade?
  • What is PIP insurance?
  • Do I have coverage when making deliveries for my home business?
  • Does liability extend to a camper or trailer?
  • Can I drive in Mexico and have coverage?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Liability coverage

This can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, medical expenses, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision coverage

Collision insurance pays for damage to your Escalade from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for things like ambulance fees, pain medications, doctor visits and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from flooding and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Cadillac Escalade.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.