Looking for lower insurance rates for your Cadillac Escalade EXT? Feel like you’re a prisoner to high-priced insurance? Trust us when we tell you there are many people just like you.
Insurance companies such as GEICO, Farmers Insurance and State Farm continually bombard you with fancy advertisements and it can be hard to see through the deception and take the time to shop coverage around.
Smart consumers take time to check insurance prices quite often since insurance rates fluctuate regularly. Just because you had the best deal on Escalade EXT coverage a couple years back you can probably find a lower rate today. So forget anything you know (or think you know) about insurance because you’re going to learn the tricks you need to know to reduce your cost while increasing coverage.
The quickest way to compare rate quotes is to realize most of the larger companies participate in online systems to give rate comparisons. The only thing you need to do is give them some information such as if your license is active, whether the vehicles are used for commuting, if the vehicle is leased, and how many miles driven. Your information is submitted instantly to multiple different insurance companies and they respond with quotes instantly to find the best rate.
To start a rate quote now, click here and complete the form.
When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions might help in determining if your situation might need professional guidance.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier
Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Cadillac Escalade EXT.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as vandalism, a broken windshield and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverage protection
Collision coverage covers damage to your Escalade EXT caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like rolling your car, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.
Coverage for liability
Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like court costs, bail bonds, repair costs for stationary objects, medical expenses and loss of income. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for bills for things like chiropractic care, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage