2002 Cadillac Escalade EXT Car Insurance Cost – 5 Ideas for Cheapest Prices
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UPDATED: Jun 27, 2022
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Want cheaper insurance rates for your Cadillac Escalade EXT? Trying to find cheaper insurance for a new or used Cadillac Escalade EXT can normally be difficult, but you can follow the following methods to save time. It’s important to note that the value of a 2002 Cadillac Escalade EXT can influence the availability of affordable insurance rates.
There is a right way and a wrong way to compare insurance rates and you need to know the proper way to quote coverages on a Cadillac and locate the cheapest rates.
Where can I get cheap car insurance?
Shopping for lower car insurance rates can take hours if you don’t know the easiest way. You could spend the better part of a day talking to agents in your area, or you can utilize online quoting to get pricing more quickly.
Many popular insurance companies participate in a marketplace that allows shoppers to complete one form, and at least one company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions for each company.
To enter your information into the quoting system, click to open a new window.
The only downside to using this type of form is that consumers can’t choose which providers to get pricing from. So if you want to select specific providers to compare prices, we have a page of the cheapest car insurance companies in your area. View the list of insurance companies.
It’s your choice how you get your quotes, but ensure you are comparing identical quote information for every quote you compare. If you use different liability limits you can’t possibly determine the lowest rate for your Cadillac Escalade EXT.
Don’t Be Fooled By Advertising Claims
Drivers constantly see and hear ads for car insurance savings from the likes of Progressive, Allstate, and GEICO. They all make the same claim about savings if you switch your coverage to them.
How does each company say the same thing? This is how they do it.
All the different companies can use profiling for the right customer that makes them money. For example, a preferred risk might be profiled as over the age of 40, has no driving citations, and chooses high deductibles. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.
Potential insureds who fall outside these standards will be quoted higher rates and this can result in business not being written. Company advertisements say “customers who switch” not “people who quote” save money. That’s why companies can truthfully advertise the way they do.
This emphasizes why it is so important to quote coverage with many companies. It’s impossible to know which company will have the lowest Cadillac Escalade EXT insurance rates.
How to Save On Cadillac Escalade EXT Insurance
Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but a few must be requested specifically before you will receive the discount. If you aren’t receiving every discount available, you’re just leaving money on the table.
- Good Student – This discount can get you a discount of up to 25%. A good student discount can last until age 25.
- Distant Student – Kids in college who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
- Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
- Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
- Save over 55 – If you’re over the age of 55, you may be able to get a discount of up to 10% for Escalade EXT insurance.
It’s important to note that most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck. But all discounts will bring down the cost of coverage.
Car insurance companies that possibly offer these benefits include:
- State Farm
- Farmers Insurance
- Auto-Owners Insurance
- The Hartford
- Farm Bureau
Double-check with each insurance company which discounts you may be entitled to. Savings might not apply in every state.
Fitting Coverage to Suit Your Needs
When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.
- Can I afford to buy a different vehicle if my 2002 Cadillac Escalade EXT is totaled?
- What is the rate difference between pleasure use and commuting?
- How high should deductibles be on a 2002 Cadillac Escalade EXT?
- Am I covered if I crash into my own garage door?
- What is medical payments coverage?
- How much liability do I need to cover my assets?
- When should my teen driver be added to my policy?
- What if I total my 2002 Cadillac Escalade EXT and owe more than it’s worth?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free, and can help protect your family.
What car insurance coverages do you need?
Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.
This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like vandalism, a tree branch falling on your vehicle, hitting a bird and theft. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured or Underinsured Motorist Coverage
This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Cadillac Escalade EXT.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are set the same as your liability limits.
This coverage will pay to fix damage to your Escalade EXT from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage can pay for things like hitting a mailbox, scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pothole, and crashing into a ditch. Collision is a rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.
Personal Injury Protection
Medical payments and personal injury protection insurance reimburse you for bills for rehabilitation expenses, chiropractic care, hospital visits, and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Liability coverage protects you from damage that occurs to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things like attorney fees, repair bills for other people’s vehicles, and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.
2002 Cadillac Escalade EXT Insurance: The Bottom Line
We’ve covered a lot of tips on how to get a better price on 2002 Cadillac Escalade EXT insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from some of the smallest insurance companies.
Drivers switch companies for a number of reasons such as poor customer service, policy non-renewal, delays in responding to claim requests, and even high rates after DUI convictions. No matter why you want to switch, switching insurance companies can be pretty painless.
Cheap insurance can be sourced from both online companies in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.
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