2006 Cadillac Escalade ESV Insurance Quotes

Looking for lower auto insurance rates for your Cadillac Escalade ESV? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you are not the only one feeling buyer’s remorse. Drivers have multiple car insurance companies to insure vehicles with, and although it’s nice to have a choice, it can be more challenging to find a good deal.

Finding the best rates is quite easy. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Vehicle owners only need to know how to get comparison rates online.

How to reduce Cadillac Escalade ESV insurance rates

Companies do not advertise every discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance. If you’re not getting every credit possible, you’re paying more than you need to.

  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for Escalade ESV insurance with a few auto insurance companies.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Drive Less and Save – Fewer annual miles on your Cadillac can qualify you for discounted rates on garaged vehicles.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of insurers with discount auto insurance rates, click here.

Car Insurance Quote Comparison

There are a variety of methods you can shop for 2006 Cadillac Escalade ESV car insurance but some are more efficient than others. You can spend your afternoon talking about coverages with insurance companies in your area, or you can utilize the internet to achieve your goal.

Most of the best insurance companies participate in an industry program where prospective buyers enter their policy data once, and each company can give them a price based on the submitted data. This saves time by eliminating quote forms for each company. To participate in this free quote system, click here (opens in new window).

The only downside to doing it this way is that consumers can’t choose which companies to get quotes from. If you wish to select specific insurance companies to compare rates, we have assembled a list of car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make absolute certain that you use identical coverage limits and deductibles for every company. If your comparisons have higher or lower deductibles it will be next to impossible to make an equal comparison.

Cadillac Escalade ESV rates are complex

Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces companies use to determine rates.

  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Clean credit earns discounts – Your credit history is a big factor in calculating your car insurance rates. So if your credit is not that good, you could pay less to insure your 2006 Cadillac Escalade ESV by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Bad driving skills means higher rates – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Even a single speeding ticket may increase your cost twenty percent or more. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Sex matters – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes cause accidents at about the same rate, but the males cause more damage. They also get more serious tickets such as reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
  • Liability coverage is peace of mind – Liability coverage will protect you if ever you are found to be at fault for damages caused by your negligence. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.

Tailor your coverage to you

When buying the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Should I buy only the required minimum liability coverage?
  • Do I need replacement cost coverage?
  • Are my friends covered when driving my car?
  • Are rock chip repairs covered?
  • Why does it cost so much to insure a teen driver?
  • Do I need an umbrella policy?
  • When does my teenage driver need to be added to my policy?
  • Should I buy full coverage?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, damage from a tornado or hurricane, hail damage and fire damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Escalade ESV resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto 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 claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as medical expenses, emergency aid, court costs, structural damage and loss of income. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like chiropractic care, hospital visits, X-ray expenses, surgery and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Quote more. Save more.

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

We’ve covered some good ideas how you can compare 2006 Cadillac Escalade ESV insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

Lower-priced insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Much more information about insurance coverage is available at these links: