Insurance for Cadillac EscaladeTrying to find low-cost insurance for a Cadillac Escalade in Indiana can turn out to be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to find insurance online and you need to know the absolute fastest way to compare rates for a Cadillac and obtain the cheapest rates either online or from Evansville insurance agents.

Most companies such as State Farm, Allstate and GEICO make it easy to get insurance quotes from their websites. Doing online quotes for Cadillac Escalade insurance in Evansville doesn't take a lot of time as you simply enter your coverage information as requested by the quote form. When complete, their rating system sends out for your driving and credit reports and generates pricing information determined by many factors.

Being able to quote online for Cadillac Escalade insurance in Evansville makes it a lot easier to compare rates and it is imperative to have as many quotes as possible in order to find a lower rate.

If you want to compare rates using this form now, take a look at the companies shown below. If you have your current policy handy, we recommend that you enter the insurance coverages identical to your current policy. This makes sure you are getting rate comparison quotes based on the exact same insurance coverage.

The providers in the list below offer comparison quotes in Indiana. If multiple companies are shown, we recommend you compare several of them in order to find the most competitive rates.

Cadillac Escalade Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $188 $332 $330 $20 $98 $968 $81
Escalade Luxury Edition 2WD $186 $312 $350 $20 $106 $974 $81
Escalade 4WD $294 $570 $424 $26 $128 $1,442 $120
Escalade Premium Edition 4WD $194 $352 $456 $28 $136 $1,166 $97
Escalade Luxury Edition 4WD $230 $392 $396 $24 $118 $1,160 $97
Escalade Premium Edition 2WD $358 $680 $424 $26 $128 $1,616 $135
Escalade Hybrid 2WD $158 $334 $304 $18 $92 $906 $76
Escalade Hybrid 4WD $300 $576 $326 $20 $98 $1,320 $110
Escalade Platinum Edition 2WD $174 $346 $368 $22 $110 $1,020 $85
Escalade Platinum Edition 4WD $406 $824 $474 $28 $142 $1,874 $156
Escalade Hybrid Platinum 2WD $382 $932 $412 $24 $124 $1,874 $156
Escalade Hybrid Platinum 4WD $226 $474 $304 $18 $92 $1,114 $93
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can decrease or increase rates considerably.

Drive safe and save

The diagram below demonstrates how traffic citations and fender-benders can drive up Cadillac Escalade insurance costs for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Car insurance deductibles

One frequently asked question is which deductibles should you choose. The tables below may help to illustrate the differences in premium rates when you select higher and lower coverage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Cadillac Escalade insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $334 $592 $350 $20 $106 $1,427 $119
Escalade Luxury Edition 2WD $334 $592 $350 $20 $106 $1,427 $119
Escalade 4WD $334 $592 $350 $20 $106 $1,427 $119
Escalade Premium Edition 4WD $366 $592 $350 $20 $106 $1,459 $122
Escalade Luxury Edition 4WD $366 $592 $350 $20 $106 $1,459 $122
Escalade Premium Edition 2WD $366 $592 $350 $20 $106 $1,459 $122
Escalade Hybrid 2WD $366 $748 $318 $18 $94 $1,569 $131
Escalade Hybrid 4WD $366 $748 $318 $18 $94 $1,569 $131
Escalade Platinum Edition 2WD $366 $670 $350 $20 $106 $1,537 $128
Escalade Platinum Edition 4WD $366 $670 $350 $20 $106 $1,537 $128
Escalade Hybrid Platinum 2WD $398 $826 $318 $18 $94 $1,679 $140
Escalade Hybrid Platinum 4WD $398 $826 $318 $18 $94 $1,679 $140
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Cadillac Escalade insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $244 $400 $350 $20 $106 $1,120 $93
Escalade Luxury Edition 2WD $244 $400 $350 $20 $106 $1,120 $93
Escalade 4WD $244 $400 $350 $20 $106 $1,120 $93
Escalade Premium Edition 4WD $268 $400 $350 $20 $106 $1,144 $95
Escalade Luxury Edition 4WD $268 $400 $350 $20 $106 $1,144 $95
Escalade Premium Edition 2WD $268 $400 $350 $20 $106 $1,144 $95
Escalade Hybrid 2WD $268 $504 $318 $18 $94 $1,202 $100
Escalade Hybrid 4WD $268 $504 $318 $18 $94 $1,202 $100
Escalade Platinum Edition 2WD $268 $452 $350 $20 $106 $1,196 $100
Escalade Platinum Edition 4WD $268 $452 $350 $20 $106 $1,196 $100
Escalade Hybrid Platinum 2WD $290 $558 $318 $18 $94 $1,278 $107
Escalade Hybrid Platinum 4WD $290 $558 $318 $18 $94 $1,278 $107
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in Evansville location which can raise or lower premiums greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $29 more each month or $348 a year than opting for the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 14 months between claim filings, you would save money if you choose a higher deductible. The illustration below shows an example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $127
Average monthly premium for $500 deductibles (subtract): - $98
Monthly savings from raising deductible: $29
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important caveat is that raising deductibles to save money results in more money out-of-pocket when you have to file a claim. You should have some available funds in the event you have to pay the deductible to have repairs made.

Raise deductibles and save

The information below demonstrates how deductibles and can change Cadillac Escalade insurance rates for each different age category. The information is based on a married female driver, full physical damage coverage, and no discounts are factored in.

Car insurance discounts are available to lower rates

Companies don't always advertise all discounts in an easy-to-find place, so here is a list both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy Evansville auto insurance online.Discount car insurance

Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn't stay in business.

Some of the insurance companies that possibly offer most of the discounts above may include but are not limited to:

Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not apply in every state. To locate insurance companies that offer discounts in Indiana, follow this link.

Why Smart Consumers Pay Less for Cadillac Escalade Insurance

Many things are part of the equation when premium rates are determined. Most are fairly basic like a motor vehicle report, although some other factors are more transparent such as your credit history or how financially stable you are. When buying auto insurance it's important to understand the rating factors that aid in calculating the rates you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

The factors shown below are just a few of the factors used by insurance companies to determine your prices.

Drivers with responsible credit save - A driver's credit history can be an important factor in determining what you pay for auto insurance. If your credit history is not that good, you could be paying less to insure your Cadillac Escalade if you clean up your credit. Drivers with excellent credit scores tend to be more responsible than those with bad credit.

Premiums are high for teenagers - Older drivers tend to be more responsible, are lower risk to insure, and are safer drivers.Teen drivers have been known to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.

Raising deductibles saves money - Physical damage coverage, aka comp and collision, insures against damage to your Cadillac. Some coverage claims are a windshield shattered by a rock, vandalism, and windstorm damage. Physical damage deductibles state the amount of money the insured will be required to pay if the claim is covered. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive.

Obey driving laws and save - Your driving record impacts premiums far more than you think. Drivers with clean records pay less for auto insurance as compared to those with violations. Just one ticket can boost insurance rates by as much as twenty percent. Drivers with careless violations such as reckless driving, hit and run or driving under the influence may be required to complete a SR-22 with their state's licensing department in order to legally drive.

Better rates on vehicles with better crash test results - Cars with high safety ratings tend to have better insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims which can mean better rates for you.

Insurance loss statistics a Cadillac Escalade - Auto insurance companies take into consideration insurance loss statistics for every vehicle to help determine the price you pay. Models that are shown to have a trend towards higher claim severity or frequency will have increased rates.

The table shown below demonstrates the actual insurance loss data for Cadillac Escalade vehicles. For each coverage category, the claim probability for all vehicles averaged together is represented as 100. Values that are under 100 indicate better than average losses, while percentages above 100 indicate a higher chance of having a claim or tendency to have higher losses.

Insurance Loss Ratings for Cadillac Escalade Vehicles

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Cadillac Escalade 4dr 2WD 156 122
Cadillac Escalade 4dr 4WD 132 99 119 55
Cadillac Escalade ESV 4dr 2WD 124
Cadillac Escalade ESV 4dr 4WD 123 106 155

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Compare rate quotes but still have a local neighborhood Evansville car insurance agent

Some people would prefer to get professional advice from a licensed agent and that is a smart decision Agents can point out coverage gaps and give you someone to call. One of the best bonuses of getting online price quotes is the fact that drivers can get cheap insurance quotes and still have a local agent.

After completing this short form, your insurance data is emailed to participating agents in Evansville who will gladly provide quotes for your insurance coverage. You won't even need to contact any insurance agencies because prices are sent to the email address you provide. If you wish to get a comparison quote from a specific insurance provider, feel free to find their quoting web page and complete a quote there.

Choosing an provider is decision based upon more than just the price. Before buying a policy in Evansville, get answers to these questions.

What type of Evansville car insurance agent is right for you?

If you would like to find a reliable insurance agent, you must know there are a couple different agency structures and how they operate. Insurance agents can be described as either exclusive agents or independent agents. Both can provide insurance policies, but it's good to learn how they are different since it can affect the type of agent you choose.

Exclusive Insurance Agents

These type of agents can only provide one company's prices such as State Farm, Allstate and AAA. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on the products they sell which helps offset the inability to provide other markets. Many people use the same agent primarily because of high brand loyalty instead of buying on price only.

The following are Evansville exclusive agencies that are able to give price quotes.

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Independent Insurance Agents

These type of agents often have many company appointments so they can insure your vehicles with any number of different companies and find you cheaper rates. If you are not satisfied with one company, the agent simply finds a different carrier and you don't have to do anything. When comparison shopping, you absolutely need to include several independent insurance agents to get the best comparison. They also have the ability to place coverage with additional companies that you may not be familiar with which can be an advantage.

Below is a short list of independent insurance agents in Evansville who can help you get price quote information.

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You may need specialized car insurance coverage

When quoting and comparing coverage online or from an agent, there isn't really a "best" method to buy coverage. Your needs are unique to you.Safe vehicles cost less to insure

For instance, these questions might help in determining if your situation may require specific advice.

If you're not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It's fast, free and can help protect your family.

Keep this in mind when shopping around

When buying insurance coverage, do not reduce needed coverages to save money. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

A few companies may not provide price quotes online and many times these small insurance companies only sell coverage through independent insurance agencies. Low-cost Cadillac Escalade insurance in Evansville can be purchased both online and from local insurance agents, so you need to compare both so you have a total pricing picture.

In this article, we covered quite a bit of information on how to lower your Cadillac Escalade insurance car insurance rates in Evansville. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest Cadillac Escalade rate quotes. You may even discover the lowest car insurance rates are with some of the smallest insurance companies.

Additional detailed information can be read by following these links: