Cheaper 2007 Cadillac Escalade EXT Insurance Cost

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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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Want cheaper car insurance rates for your Cadillac Escalade EXT? No one in their right mind looks forward to paying for car insurance, in particular when their premiums are through the roof.

There is such a variety of auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to locate the cheapest rates.

Consumers need to price shop coverage on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Escalade EXT coverage six months ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance on the web, but we’re going to give you the easiest ways to quit paying high car insurance rates.

Finding the best rates is easy if you know what you’re doing. In a nutshell, every driver who is shopping for auto insurance stands a good chance to be able to reduce their rates. Although car owners must know how insurance companies market on the web.

The fastest way that we advise to compare insurance rates in your area takes advantage of the fact car insurance companies allow for online access to quote your coverage. To start a quote, the only thing you need to do is spend a couple of minutes providing details like if your license is active, driver details, how many miles driven, and what you do for a living. The rating information gets transmitted to multiple companies and you receive quotes within a short period of time.

How to reduce Cadillac Escalade EXT insurance rates

Companies offering auto insurance do not advertise all available discounts very well, so we break down some of the more common and also the lesser-known savings tricks you should be using.

  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current policy expires. The savings is around 10%.
  • Defensive Driving Course – Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Escalade EXT coverage than their less cautious counterparts.
  • Memberships – Participating in certain professional organizations is a good way to get lower rates on insurance for Escalade EXT coverage.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Escalade EXT coverage with a few insurance companies.
  • No Charge for an Accident – A few companies will forgive one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Homeowners Savings – Owning a home can save you money because maintaining a house requires personal responsibility.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

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

Tailor your coverage to you

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • Am I covered when driving a rental car?
  • When would I need additional glass coverage?
  • If I drive on a suspended license am I covered?
  • When would I need rental car insurance?
  • What is PIP insurance?
  • Why do I only qualify for high-risk insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Does coverage extend to a rental car in a foreign country?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance 101

Having a good grasp of a auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as dental work, rehabilitation expenses, funeral costs, doctor visits and nursing services. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coveragesCollision insurance covers damage to your Escalade EXT resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage will cover injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have $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 insurance covers claims such as medical services, attorney fees, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive protection – This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a broken windshield, hail damage, falling objects and damage from getting keyed. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Cadillac Escalade EXT.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

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