How to Reduce Your Cadillac Escalade ESV Auto Insurance Rates

Consumers have many options when looking for the lowest priced Cadillac Escalade ESV insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to compare rates. There is a better way to shop for auto insurance so you’re going to learn the best way to get price quotes on a Cadillac and obtain the cheapest rates from local insurance agents and online providers.

If you have a current auto insurance policy or are shopping for new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. The purpose of this article is to familiarize you with the best way to quote coverages and some tips to save money. Vehicle owners only need an understanding of the proper methods to compare company rates online.

How to Compare Auto Insurance Costs

Getting a cheaper price on insurance can be surprisingly simple. You just need to invest a little time to compare quotes from different insurance companies. This can be accomplished in several different ways.

Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quote forms for each company you want a rate for. In just a few minutes this one form will get you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
Another way to shop for auto insurance online requires a visit to each company website and complete a new quote form. For sake of this example, we’ll assume you want comparison quotes from Auto-Owners, Progressive and State Farm. You would have to visit each site to enter your coverage information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The most time-consuming way to compare rates is to drive around to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional advice only provided by licensed agents. You can, however, obtain prices from the web and still use a local agent and we’ll cover that in a bit.

However you get your quotes, make darn sure you compare the exact same coverage information for each price quote. If you enter different values for each quote you will not be able to make a fair comparison for your Cadillac Escalade ESV.

More discounts equal less premium

Companies offering auto insurance do not list every discount very clearly, so here is a list some of the more common and also the lesser-known ways to save on auto insurance. If you’re not getting every credit available, you’re paying more than you need to.

Lower Rates for Military – Having a family member in the military could mean lower rates.
Low Mileage – Keeping the miles down on your Cadillac could be rewarded with a substantially lower rate.
Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Safe Driver Discount – Insureds without accidents may save up to 50% more for Escalade ESV insurance than their less cautious counterparts.
Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
Sign Early and Save – A few companies offer discounts for switching to them before your current policy expires. It can save you around 10%.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck.

For a list of insurance companies who offer auto insurance discounts, click this link.

Factors that can influence insurance rates for a Cadillac Escalade ESV

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with lower auto insurance prices.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-38.jpg" alt=" insurance quotes” />

Listed below are some of the factors auto insurance companies consider when setting rates.

Are you male or female? – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes are in accidents in similar percentages, but the men cause more damage. Men also statistically have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverages like personal injury protection, accidental death and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so get rid of them and save.
Having a spouse can save you money – Having a spouse helps lower the price on auto insurance. Marriage means you’re more responsible and it’s statistically proven that married drivers get in fewer accidents.
Safer cars cost less to insure – Vehicles with high crash test scores are cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Cadillac earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Neighborhood agents for auto insurance

A small number of people prefer to get advice from a local agent and that is a personal choice. Good agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of getting online price quotes is you can get better rates but also keep your business local.

By using this form (opens in new window), your insurance coverage information is immediately sent to insurance agents who will battle to get your business. There is no reason to even leave your home because quoted prices will be sent immediately to your email address. It doesn’t get any easier!

Picking an insurer should depend on more than just the bottom line cost. Here are some questions to ask:

Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Do they receive special compensation for putting your coverage with one company over another?
Are they able to influence company decisions when a claim is filed?
Is the agent and/or agency licensed to do business in your state?
If they are an independent agency, which companies do they recommend?
Did they already check your driving record and credit reports?

If you prefer to contact a specific insurance agent in your state, click here.

After receiving positive feedback to your questions as well as a affordable price, you’ve probably found an insurance company that meets your needs to adequately provide auto insurance.

Can you really save that much by switching?

Consumers can’t get away from ads that promise big savings by Progressive, Allstate and GEICO. They all seem to say the same thing that you can save if you change to their company.

How does each company make almost identical claims?

Different companies have a certain “appetite” for the type of customer that earns them a profit. For example, a desirable insured could be between 25 and 40, has no tickets, and has a high credit rating. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Consumers who don’t measure up to these standards will have to pay a higher premium 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. That is how insurance companies can advertise the way they do. Because of the profiling, drivers must quote coverage with many companies. Because you never know which insurance companies will provide you with the cheapest rates.

Final considerations

We just showed you many ways to get a better price on Cadillac Escalade ESV insurance. The most important thing to understand is the more you quote, the better your comparison will be. You may even find the most savings is with some of the smallest insurance companies.

People change insurance companies for a variety of reasons including lack of trust in their agent, denial of a claim, poor customer service and even questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.

Cheap Cadillac Escalade ESV insurance is attainable from both online companies as well as from independent agents in your state, and you should be comparing both to have the best rate selection. There are still a few companies who don’t offer online price quotes and these small, regional companies work with independent agents.