2004 Cadillac Escalade EXT Car Insurance Quotes – 6 Policy Discounts

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us when we tell you you’re not the only one.

Online insurance companies like Progressive, GEICO and Farmers Insurance continually hit you with TV and radio ads and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

It’s a great practice to get comparison quotes before your policy renews because insurance rates fluctuate regularly. Just because you found the best rates for Escalade EXT insurance six months ago there may be better deals available now. Starting now, ignore everything you know about insurance coverage because you’re going to learn the things you must know in order to save money, get proper coverage and the best rates.

Compare Quotes for Auto Insurance

All major auto insurance companies quote insurance quotes on their websites. Obtaining pricing doesn’t take a lot of time as you just enter your coverage information as requested by the quote form. Once you submit the form, their rating system sends out for information on your driving record and credit history and provides a quote based on many factors. Online price quotes streamlines rate comparisons, but the process of having to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes if you are searching for lower prices.

The smarter way to lower your rates is to use a quote form that analyzes rates from many companies. It’s a real time-saver, requires much less work on your part, and makes online quotes a little more enjoyable. As soon as the form is sent, it is quoted and you can choose any or none of the quotes returned.

If you find a better price you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and can result in significant savings.

To get comparison pricing now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you type in deductibles and limits identical to your current policy. This helps ensure you’re receiving rate quotes for similar coverage.

Lots of discounts mean lots of savings

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be asked about prior to getting the savings.

  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Escalade EXT insurance than drivers with accidents.
  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Driver Safety – Taking a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.

Keep in mind that most credits do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.

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

Situations that might require an agent

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Each situation is unique so this has to be addressed. For instance, these questions could help you determine whether you will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • When does my teenage driver need to be added to my policy?
  • What is medical payments coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered by my spouse’s policy after a separation?
  • What is covered by UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Do drivers who switch really save $407 a year?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make an identical promise that you can save after switching your policy. How can each company claim to save you money?

All the different companies are able to cherry pick for the type of customer that makes them money. For example, a desirable insured might be profiled as between 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who matches those parameters will get very good rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for these standards will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently make the claims of big savings.

This emphasizes why you need to get quotes from several different companies. You cannot predict which auto insurance company will provide you with the cheapest Cadillac Escalade EXT insurance rates.

Specific coverages for a 2004 Cadillac Escalade EXT

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Cadillac Escalade EXT.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – This coverage covers damage to your Escalade EXT from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, crashing into a ditch, sustaining damage from a pot hole, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, theft, damage from flooding and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – This provides protection from damage or injury you incur to other’s property or people. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, surgery, chiropractic care, pain medications and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

One last thing

While you’re price shopping online, do not reduce needed coverages to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at a price you can afford.

Discount 2004 Cadillac Escalade EXT insurance is available from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

In this article, we presented quite a bit of information on how to save on insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from the smaller companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

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