View 1999 Cadillac Escalade Car Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their insurance policy.

There is such a variety of insurance companies to buy insurance from, and although it’s a good thing to have a selection, having more insurance companies makes it harder to compare company pricing.

It’s smart to compare rates every six months since rates change frequently. Just because you found the lowest price on Escalade insurance six months ago there may be better deals available now. There is too much inaccurate information about insurance online, so by reading this article, you’re going to learn some good information on how to slash your insurance rates.

The quickest method we recommend to compare insurance rates from multiple companies takes advantage of the fact most larger insurance companies pay for the opportunity to give rate comparisons. The one thing you need to do is provide information including how your vehicles are used, an estimate of your credit level, the ages of drivers, and distance driven. Your details is then sent to multiple insurance coverage providers and you will receive price estimates almost instantly.

To compare rates for a 1999 Cadillac Escalade now, click here and enter the information requested.

Cut prices on Cadillac Escalade insurance

Companies that sell car insurance don’t necessarily list all their discounts very well, so the following is a list of both the well known and the more hidden savings tricks you should be using.

  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Escalade insurance than their less cautious counterparts.
  • 55 and Retired – Older drivers may qualify for reduced rates on Escalade insurance.
  • Club Memberships – Participating in certain professional organizations is a good way to get lower rates on your policy on Escalade insurance.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Homeowners Discount – Simply owning a home may trigger a insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Cadillac could be rewarded with a substantially lower rate.
  • No Charge for an Accident – Some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on Escalade insurance with certain companies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.

As a disclaimer on discounts, most discount credits are not given the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

For a list of providers with the best insurance discounts, click this link.

Tailor your coverage to you

When choosing the best insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

  • How do I insure my teen driver?
  • Is upholstery damage covered by car insurance?
  • What exactly is covered by my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is business property covered if stolen from my car?
  • What if I don’t agree with a claim settlement offer?
  • Can I get a multi-policy discount?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Coverages available on your insurance policy

Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, a broken windshield and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for short-term medical expenses for things like chiropractic care, nursing services, doctor visits and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages – Liability coverage will cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people, 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. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, medical expenses, bail bonds, structural damage and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

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