Easily Lower your Cadillac Escalade EXT Insurance Rates in Three Steps
If finding the lowest rate on car insurance was easy, most people would have no trouble paying less. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding affordable insurance for your Cadillac Escalade EXT is probably the same story.
Step One: Compare Online Rate Quotes
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Welcome to the NEW way to buy car insurance!
All the major car insurance companies sell insurance for a Cadillac Escalade EXT and you can compare their rates by entering your information only one time.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Escalade EXT is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: Techniques to Lower your Escalade EXT Insurance Rates
How much impact insuring your Cadillac has on your wallet is controlled by many different factors. Here are some ways to reduce the negatives and improve the positives.
- Vehicles that are considered high performance will have a higher insurance price tag that your average family sedan. The Cadillac Escalade EXT is no exception.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- The cost to repair luxury vehicles is generally more than the cost to repair your average domestic family sedan. Everything from paint to bumpers to windshields costs more for the Escalade EXT so expect to pay more for insurance.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- If you don't need the larger engine and four-wheel drive that an SUV gives you, you might consider trading down to a passenger car to save on insurance.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- The easiest way to INCREASE your car insurance rates is to add a teenage driver to your policy. There aren't many ways to prevent a rate increase, but if you can rate them on an older vehicle, it can help.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Ask your insurance company if there is a discount for completing a driver's safety course. It may get you up to a 10% discount at your next renewal.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
Step Three: Finalize your Car Insurance Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
If the Cadillac Escalade EXT is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Comprehensive (or Other than Collision) and collision coverage will extend to your new Escalade EXT if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
For more detailed car insurance topics, visit the Insurance Information Institute.