2005 Cadillac Escalade EXT Insurance Quotes

Buyers have a choice when searching for low-cost Cadillac Escalade EXT insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to get rate quotes.

There are both good and bad ways to find insurance online so we’re going to tell you the quickest way to quote coverages for a Cadillac and find the cheapest rates either online or from local insurance agents.

Automobile Insurance Quotes

Cutting your auto insurance rates is not rocket science. The only thing you need to do is take time to compare rate quotes online from several insurance companies. This can be accomplished using a couple different methods.

1. The first (and easiest) way to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing boring form submissions to each individual auto insurance company. One form compares rates direct from many companies. This is by far the quickest method.
2. A less efficient way to find lower rates requires visiting each company website to complete a price quote. For sake of this example, we’ll assume you want to compare rates from Nationwide, Allstate and GMAC. You would have to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, ensure you’re using exactly the same coverages and limits for each comparison quote. If you enter unequal deductibles or liability limits you can’t possibly determine the best price for your Cadillac Escalade EXT.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if you may require specific advice.

• How do I insure my teen driver?
• What if I total my 2005 Cadillac Escalade EXT and owe more than it’s worth?
• When can my company non-renew my policy?
• What is the difference between comprehensive and collision coverage?
• Am I covered when using my vehicle for business?
• Am I covered when driving on a suspended license?
• Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance coverages explained

Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as dental work, prosthetic devices, chiropractic care, nursing services and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, falling objects, damage from flooding, vandalism and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Cadillac Escalade EXT.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Liability insurance – Liability insurance protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as medical services, pain and suffering, medical expenses, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.