Discount Cadillac Escalade insuranceHow many times have you told yourself to find cheaper Cadillac Escalade insurance in Fort Wayne? Feeling guilty for buying an overpriced car insurance policy? Believe me, there are a lot of people in Fort Wayne just like you who feel imprisoned by their car insurance policy.

Unbelievably, nearly 70% of consumers kept their coverage with the same car insurance company for at least the last four years, and approximately 40% of consumers have never compared rate quotes at all. Many drivers in Indiana could save themselves 55% a year just by getting comparison quotes, but they think it's difficult to compare rates. Companies like Allstate, Progressive and GEICO continually bombard you with TV and radio ads and it can be hard to see past the geckos and flying pigs and find the best price available.

It's important to do rate comparisons every six months because rates tend to go up over time. Even if you got the best rate on Cadillac Escalade insurance in Fort Wayne a few years ago you will most likely find a better price today. Ignore everything you know about car insurance because you're going to get a crash course in the quickest way to lower your annual insurance bill.

Low cost Fort Wayne Cadillac Escalade insurance quotes

Cutting your Fort Wayne car insurance rates is an easy way to save money. Consumers just need to take a couple of minutes getting comparison quotes to discover which company has cheaper Fort Wayne auto insurance quotes.

Getting rate quotes online is very simple and it makes it obsolete to go to each insurance agency near you. Doing it all online reduces the need to sit down with an agent unless you have a complicated situation and need the personal advice that you can only get from talking to an agent. It is possible to get prices online but buy from a local insurance agent.

The companies shown below offer price quotes in Indiana. If multiple companies are shown, it's highly recommended you visit several of them in order to find the most affordable rates.

Cadillac Escalade Insurance Cost Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $232 $412 $330 $20 $98 $1,092 $91
Escalade Luxury Edition 2WD $160 $306 $368 $22 $110 $966 $81
Escalade 4WD $342 $496 $460 $28 $138 $1,464 $122
Escalade Premium Edition 4WD $204 $312 $350 $20 $106 $992 $83
Escalade Luxury Edition 4WD $230 $392 $396 $24 $118 $1,160 $97
Escalade Premium Edition 2WD $244 $368 $362 $22 $108 $1,104 $92
Escalade Hybrid 2WD $334 $688 $326 $20 $98 $1,466 $122
Escalade Hybrid 4WD $268 $504 $318 $18 $94 $1,202 $100
Escalade Platinum Edition 2WD $366 $670 $350 $20 $106 $1,512 $126
Escalade Platinum Edition 4WD $418 $670 $460 $28 $138 $1,714 $143
Escalade Hybrid Platinum 2WD $290 $558 $318 $18 $94 $1,278 $107
Escalade Hybrid Platinum 4WD $310 $702 $304 $18 $92 $1,426 $119
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rates do not factor in specific location which can raise or lower premium rates considerably.

Comparison of policy deductibles

The illustration below highlights how deductible selection and can change Cadillac Escalade premium costs for each age group. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Premiums by gender and age

The information below shows the difference between Cadillac Escalade yearly insurance costs for male and female drivers. The premiums assume no claims or driving citations, comp and collision included, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Policy deductible comparison

One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The following tables may aid in understanding the differences in price between low and high policy deductibles. The first data set uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.

Cadillac Escalade insurance premium rates 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 premium rates 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
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rates do not factor in vehicle garaging location which can revise coverage prices noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $29 more each month or $348 annually than quoting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 14 months between claims, you would probably be better off if you choose a higher deductible.

Choosing Escalade insurance is an important decision

Despite the high cost of buying insurance for a Cadillac Escalade in Fort Wayne, paying for insurance is a good idea for several reasons.

First, just about all states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability if you don't want to risk a ticket. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Cadillac Escalade, more than likely the lender will have a requirement that you have full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Cadillac at a significantly higher premium and force you to pay a much higher amount than you were paying before.

Third, insurance preserves both your Cadillac and your personal assets. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you in the event you are sued. If your Cadillac gets damaged, your policy will pay to repair the damage minus the deductible amount.

The benefits of buying insurance definitely exceed the cost, especially for larger claims. But the average American driver is currently overpaying as much as $750 every year so we recommend shopping around at least once a year to make sure the price is not too high.

Insurance rates and discounts

Some companies don't always list every possible discount in a way that's easy to find, so the following list contains both the well known and also the more inconspicuous credits that may apply to you.Cheaper insurance with discounts

Just know that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.

If you would like to view providers who offer cheap Cadillac Escalade insurance quotes in Fort Wayne in Indiana, click here to view.

Insurance is available from local insurance agents

Some consumers just want to get advice from a local agent and that is just fine! Professional agents can make sure you are properly covered and will help you if you have claims. One of the best bonuses of getting online price quotes is the fact that drivers can get cheap insurance quotes and also buy local. And buying from local insurance agents is important particularly in Fort Wayne.

Fort Wayne insurance agentsTo find an agent, once you fill out this simple form, the quote information is submitted to local insurance agents who will return price quotes for your business. You won't need to visit any agencies due to the fact that quote results will go directly to you. If you wish to compare prices from a specific insurance company, just search and find their rate quote page and give them your coverage information.

If you need to find an insurance agent, you must know there are a couple different types of agents that you can select. Agencies in Fort Wayne are either exclusive agents or independent agents. Both types can do a good job, but it's important to point out the difference in the companies they write for since it could factor into your selection of an agent.

Independent Insurance Agencies or Brokers

Agents that elect to be independent often have affiliation with several companies and that allows them to write policies amongst many companies and potentially find a lower price. If your premiums go up, they simply switch companies in-house without you having to go to a different agency. If you need lower rates, we recommend you get insurance quotes from at least one independent agent in order to compare the most rates.

Shown below is a short list of independent agencies in Fort Wayne who may be able to give you comparison quotes.

6058 E State Blvd - Fort Wayne, IN 46815 - (260) 749-4970 - View Map

209 E Washington Center Rd - Fort Wayne, IN 46825 - (260) 471-7555 - View Map

Affordable Agency Inc
2314 Lake Ave - Fort Wayne, IN 46805 - (260) 485-2526 - View Map

More Fort Wayne agents

Exclusive Agencies

Agents of this type can usually just insure with one company and examples are Allstate, State Farm and Farm Bureau. They are unable to provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. These agents are trained well on what they offer and that allows them to sell at a higher price point.

Shown below are exclusive insurance agencies in Fort Wayne who can help you get price quote information.

2416 Getz Rd - Fort Wayne, IN 46804 - (260) 459-1700 - View Map

7105 Old Trail Rd - Fort Wayne, IN 46809 - (260) 747-2626 - View Map

3474 Stellhorn Rd - Fort Wayne, IN 46815 - (260) 485-0122 - View Map

More Fort Wayne agents

Picking an car insurance agent needs to be determined by more than just the quoted price. Below are some questions you should ask.

After you get positive feedback to all your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that is a good match to properly insure your vehicles.

Coverages available on your policy

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from auto insurance companies.

Collision coverage - This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, colliding with another moving vehicle, rolling your car, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible on your Escalade to save money on collision insurance.

Auto liability - This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/10 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical services, loss of income, pain and suffering and structural damage. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible. Indiana state minimum liability requirements are 25/50/10 but you should think about purchasing more liability than the minimum.

Comprehensive auto coverage - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, a tree branch falling on your vehicle, theft, hail damage and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Medical payments and PIP coverage - Med pay and PIP coverage pay for bills for things like ambulance fees, surgery, funeral costs and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Cadillac Escalade.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/10), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liability limits.

Quote more and you will save more

Lower-priced Cadillac Escalade insurance in Fort Wayne can be found both online and from local agencies, so you need to shop Fort Wayne auto insurance with both in order to have the best price selection to choose from. There are still a few companies who don't offer online rate quotes and most of the time these regional carriers provide coverage only through independent insurance agents.

While you're price shopping online, it's very important that you do not skimp on critical coverages to save a buck or two. In many cases, someone sacrificed collision coverage only to regret that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.

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