2018 Cadillac Escalade ESV Insurance Rates
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UPDATED: Nov 18, 2019
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Average insurance rates for a 2018 Cadillac Escalade ESV are $1,702 a year for full coverage. Comprehensive costs approximately $430, collision costs $698, and liability costs $416. Buying a liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,660. Teen drivers receive the highest rates at $6,092 a year or more.
Annual premium for full coverage: $1,702
Rate estimates for 2018 Cadillac Escalade ESV Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 Cadillac Escalade ESV models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $474 for only liability insurance to the much higher price of $3,660 for a high risk driver.
These differences show why everyone should compare rates using their specific location and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2018 Cadillac Escalade ESV Insurance
Searching for better car insurance rates for your Cadillac Escalade ESV? Scraping up a payment for expensive Cadillac Escalade ESV insurance can drain your bank account and possibly require you to analyze your spending habits. Performing a price comparison can save money and help to make sure you’re not throwing money away.
People have many auto insurance companies to choose from, and although it’s a good thing to be able to choose, more choices can make it harder to adequately compare rates.
Buying car insurance is not rocket science. If you are insured now or need a new policy, you can learn to shop for the lowest rates while maximizing coverage. Drivers just need to learn how to buy insurance over the internet.
Get lower rates by applying discounts
Some companies don’t necessarily list every discount in an easy-to-find place, so the list below contains both the well known in addition to some of the lesser obvious ways to save on insurance coverage.
- Active Service Discounts – Having an actively deployed family member may lower your insurance coverage rates slightly.
- Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you could save 10% to 20% off each policy.
- Low Miles Discount – Keeping the miles down on your Cadillac can qualify you for lower prices due to less chance of an accident.
- Telematics Data – Insureds who allow their company to study driving patterns by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.
- Accident-Free Discounts – Insureds with no claims or accidents can earn big discounts in comparison with bad drivers.
- Theft Deterent Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
- Buy New and Save – Buying insurance on a new vehicle can save you some money since newer vehicles are generally safer.
- Discount for Passive Restraints – Factory options such as air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Mature Driver Discount – Mature drivers may be able to get lower premium rates for Escalade ESV insurance.
A little note about advertised discounts, most discounts do not apply the whole policy. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free insurance coverage policy, that’s just not realistic. Any qualifying discounts should help reduce the amount you pay for coverage.
A few popular companies and some of the discounts are:
- State Farm may have discounts that include driver’s education, passive restraint, Drive Safe & Save, anti-theft, student away at school, multiple autos, and Steer Clear safe driver discount.
- Esurance has savings for good driver, good student, safety device, online shopper, anti-theft, and anti-lock brakes.
- Progressive policyholders can earn discounts including continuous coverage, online signing, good student, homeowner, online quote discount, and multi-vehicle.
- Liberty Mutual discounts include preferred payment discount, new graduate, newly married, multi-car, and new vehicle discount.
- Auto-Owners Insurance offers discounts for student away at school, multi-policy, air bags, safe vehicle, good student, multiple vehicles, and anti-lock brakes.
- GEICO may include discounts for multi-policy, military active duty, five-year accident-free, seat belt use, anti-lock brakes, anti-theft, and emergency military deployment.
When getting a coverage quote, ask each company how you can save money. Some of the discounts discussed earlier might not be offered on policies in every state. To view insurance companies who offer insurance coverage discounts, click this link.
Your insurance coverage should be tailored to you
When buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation might need an agent’s assistance.
- Can I afford low physical damage deductibles?
- Do I need rental car coverage?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Am I covered when driving a rental car?
- Do I have coverage when pulling a U-Haul trailer?
- Can I afford to buy a different vehicle if my 2018 Cadillac Escalade ESV is totaled?
- Can I pay claims out-of-pocket if I buy high deductibles?
- If my pet gets injured in an accident are they covered?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.
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Buyer beware of insurance coverage advertising tricks
Drivers can’t ignore all the ads for the lowest price insurance coverage by companies like State Farm and Allstate. All the companies have a common claim that you’ll save big if you change your coverage.
How is it possible that every company can save you money? You have to listen carefully.
Insurance companies have specific criteria for a prospective insured that will most likely be profitable. One example of a profitable customer could possibly be between the ages of 40 and 55, insures multiple vehicles, and drives newer vehicles. Any new insured that hits that “sweet spot” is entitled to the best price and therefore will save money with a new company.
Insureds who don’t qualify for this ideal profile must pay a higher premium which leads to the driver buying from a lower-cost company. The ads say “drivers that switch” not “all people who quote” save that kind of money. That’s the way companies can truthfully state the savings. That is why you absolutely need to get price quotes at each policy renewal. You cannot predict the company that will fit you best based on your risk profile.
Car insurance coverages 101
Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on most car insurance policies.
This protects you from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability coverage pays for claims such as loss of income, funeral expenses, emergency aid, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.
Coverage for collisions
This covers damage to your Escalade ESV resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like rolling your car, scraping a guard rail, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from flooding, rock chips in glass, fire damage, falling objects and hail damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like dental work, surgery, pain medications and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured/Underinsured Motorist coverage
This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Saving money is sweet as honey
When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits only to discover later that it was a big mistake. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.
We just covered a lot of ways to shop for 2018 Cadillac Escalade ESV insurance online. The key concept to understand is the more you quote car insurance, the better chance you’ll have of finding affordable car insurance. You may be surprised to find that the best price on insurance coverage is with a small local company. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as GEICO and State Farm.
The cheapest 2018 Cadillac Escalade ESV insurance can be purchased both online as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance providers don’t offer rates over the internet and usually these smaller providers only sell coverage through independent insurance agents.
More detailed insurance coverage information is available in the articles below:
Rates by U.S. City
|New York City, NY||$2,688|
|Los Angeles, CA||$2,910|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$129|
|5-yr Claim Free||$111|
|Paid in Full/EFT||$81|
Discounts are estimated and may not be available from every company or in every state.