2006 Cadillac Escalade EXT Insurance Quotes – 5 Discounts for Cheapest Rates

Want better car insurance rates? Drivers have many options when trying to find affordable Cadillac Escalade EXT insurance. They can either spend hours calling around trying to get quotes or utilize the internet to find the lowest rates. There is a better way to compare car insurance rates and you need to know the proper way to get price quotes for your Cadillac and obtain the lowest price from local insurance agents and online providers.

You need to compare prices on a regular basis since rates are variable and change quite frequently. Despite the fact that you may have had the best deal for Escalade EXT insurance a year ago you will most likely find a better rate today. So just ignore everything you know about car insurance because it’s time to teach you the best way to find better rates and still maintain coverage.

How to Lower Your Insurance Coverage Cost

Reducing your 2006 Cadillac Escalade EXT insurance rates doesn’t have to be difficult. Consumers just need to invest a few minutes comparing rates online from several insurance companies. This is very easy and can be done using a couple different methods.

  1. The first (and easiest) way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form prevents you from having to do a different quote for every insurance coverage company. Completing one form will return price quotes from insurance coverage companies with the best prices. This is by far the quickest method.
  2. A different way to compare prices requires you to visit each company website to complete their respective quote request forms. For examples sake, we’ll assume you want rates from USAA, State Farm and Liberty Mutual. You would have to go to every website and enter your policy data, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same deductibles and coverage limits for every quote you compare. If you are comparing different values for each quote then you won’t be able to find the best deal for your Cadillac Escalade EXT.

Pay less by taking advantage of these five discounts

Companies don’t necessarily list all their discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Accident Free – Claim-free drivers pay less when compared to frequent claim filers.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Clubs and Organizations – Being a member of a professional or civic organization is a good way to get lower rates when shopping for car insurance for Escalade EXT insurance.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

To see a list of insurers who offer car insurance discounts, click here.

Your coverage should be tailored to you

When buying coverage, there really is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether or not you could use an agent’s help.

  • Do I need an umbrella policy?
  • What is no-fault insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Can my teen drive my company car?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • I have a DUI can I still get coverage?
  • How much liability coverage do I need in my state?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Can you really save that much by switching?

Consumers constantly see and hear ads for car insurance savings by companies like Allstate and Progressive. They all make the same claim that you’ll save big if you move to them.

How does each company make the same claim? It’s all in the numbers.

All companies have a certain “appetite” for the right customer that is profitable for them. A good example of a driver they prefer could possibly be a mature driver, has no driving citations, and drives newer vehicles. A driver who meets those qualifications gets the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t meet these standards will be charged higher premiums which leads to business not being written. The ads say “customers that switch” not “everyone that quotes” save that much. That’s the way companies can truthfully advertise the way they do. That is why you absolutely need to compare as many rates as you can. It’s not possible to predict which insurance companies will give you the biggest savings on Cadillac Escalade EXT insurance.

Insurance coverages 101

Understanding the coverages of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Auto liability insurance – This provides protection from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, attorney fees and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – This pays for damage to your Escalade EXT from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Cadillac Escalade EXT.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses like ambulance fees, doctor visits and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism and hitting a bird. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Save for a rainy day

Drivers switch companies for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, unfair underwriting practices or questionable increases in premium. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

The cheapest 2006 Cadillac Escalade EXT insurance is attainable on the web in addition to many insurance agents, so you should compare both to get a complete price analysis. Some companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

In this article, we presented a lot of techniques to shop for insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the best price on insurance is with some of the smallest insurance companies.

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