Best Ways to Save on San Antonio Cadillac Escalade ESV Insurance

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Discount Cadillac Escalade ESV insuranceDo you want to save money by finding more competitive Cadillac Escalade ESV insurance in San Antonio? Trying to find better insurance prices for a new or used Cadillac Escalade ESV in Texas can turn out to be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare car insurance rates and you need to know the best way to get price quotes for a new or used Cadillac and locate the cheapest rates from both online companies and San Antonio agents.

It's an obvious assumption that auto insurance companies don't want you quoting rates from other companies. Drivers who compare rates at least once a year are highly likely to move their business because of the good chance of finding a more affordable policy premium. A study showed that people who routinely compared quotes saved about $3,450 over four years compared to people who never shopped around for lower prices.

If finding budget-friendly rates on Cadillac Escalade ESV insurance in San Antonio is why you're here, then having some knowledge of how to choose a company and compare insurance rates can help you succeed in saving money.

It's smart to check car insurance prices every six months because prices are variable and change quite frequently. If you had the lowest rates on Cadillac Escalade ESV insurance in San Antonio two years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you're about to learn how to quote online to lower your rates without sacrificing coverage.

If you have a policy now or are looking for a new policy, use these tips to cut your premiums while maximizing coverage. Buying affordable auto insurance in San Antonio is not as hard as you think. Consumers only need to know the proper way to compare insurance rates online from multiple companies.

Insurance Cost Influencing Factors

Many factors are part of the equation when quoting car insurance. Some are obvious like an MVR report, but other criteria are not quite as obvious like your vehicle usage and annual miles driven.

The factors shown below are a few of the "ingredients" used by your company to calculate prices.

Save money with alarms and GPS tracking - Purchasing a vehicle that has a built-in theft deterrent system can earn a premium discount. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft and help bring rates down.

Your address can push rates up or down - Choosing to live in a rural area is a positive aspect when shopping for auto insurance. Less people corresponds to lower accident rates and a lower car theft rate. City drivers regularly have more auto accidents and much longer commute distances. More time on the road means more chance of being in an accident.

Don't buy add-on coverages that aren't used - There are quite a few extra add-on coverages that may not really be needed when buying auto insurance. Coverages like vanishing deductibles, accidental death, and motor club memberships are probably not needed. The coverages may be enticing when talking to your agent, but if you have no use for them remove them and pocket the money.

Pleasure use or commuting - The higher the miles on your Cadillac every year the more you will pay for auto insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use cost less to insure compared to those used for work or business. It's a smart idea to ensure your auto insurance policy shows the proper vehicle usage. Improper usage on your Escalade ESV is throwing money out the window.

Liability insurance claims can be big - Liability insurance is the protection if ever you are found to be at fault for an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not skimp.

Rates can drop if you have more than one policy - Most larger insurers apply a discount to people who buy several policies from them, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, consumers should still get quotes from other companies to ensure the best deal.

Safer occupants lowers rates - Cars with high safety ratings tend to have better insurance rates. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates.

Raise your deductibles for better premiums - Physical damage deductibles state the amount of money you are willing to pay if the claim is covered. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. Some coverage claims would be rear-ending another vehicle, vandalism, and damage caused by road hazards. The more money you choose to pay out-of-pocket, the bigger discount you will receive.

Cadillac Escalade ESV claim data - Companies use statistical claims data to help set a rate to offset losses. Vehicles that the data determines to have higher number or severity of losses will cost more to insure. The table below shows the historical insurance loss data for Cadillac Escalade ESV vehicles.

For each policy coverage type, the loss probability for all vehicles averaged together is equal to 100. Percentages below 100 suggest a better than average loss history, while percentages above 100 point to more claims or tendency to have higher losses.

Insurance Loss Ratings for Cadillac Escalade ESV Vehicles
Specific Cadillac Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
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

Rates and information analytics

The coverage information below highlights detailed analysis of coverage prices for Cadillac Escalade ESV models. Being able to understand how insurance quotes are established can help customers make smart policy decisions.

Cadillac Escalade ESV Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $356 $624 $462 $28 $138 $1,608 $134
Escalade ESV 4WD $356 $624 $462 $28 $138 $1,608 $134
Escalade ESV Luxury Edition 2WD $356 $624 $462 $28 $138 $1,608 $134
Escalade ESV Premium Edition 2WD $356 $624 $462 $28 $138 $1,608 $134
Escalade ESV Luxury Edition 4WD $356 $624 $462 $28 $138 $1,608 $134
Escalade ESV Premium Edition 4WD $386 $706 $462 $28 $138 $1,720 $143
Escalade ESV Platinum Edition 2WD $386 $706 $462 $28 $138 $1,720 $143
Escalade ESV Platinum Edition 4WD $386 $706 $462 $28 $138 $1,720 $143
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific location which can raise or lower auto insurance rates significantly.

Higher deductibles lower rates

One of the most common car insurance questions is which deductibles should you choose. The rates below outline how much more rates are when you buy lower versus higher coverage deductibles. The first rate comparisons uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Cadillac Escalade ESV insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $446 $672 $382 $22 $114 $1,661 $138
Escalade ESV 4WD $446 $672 $382 $22 $114 $1,661 $138
Escalade ESV Luxury Edition 2WD $446 $672 $382 $22 $114 $1,661 $138
Escalade ESV Premium Edition 2WD $446 $672 $382 $22 $114 $1,661 $138
Escalade ESV Luxury Edition 4WD $446 $672 $382 $22 $114 $1,661 $138
Escalade ESV Premium Edition 4WD $484 $762 $382 $22 $114 $1,789 $149
Escalade ESV Platinum Edition 2WD $484 $762 $382 $22 $114 $1,789 $149
Escalade ESV Platinum Edition 4WD $484 $762 $382 $22 $114 $1,789 $149
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Cadillac Escalade ESV insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $276 $424 $382 $22 $114 $1,218 $102
Escalade ESV 4WD $276 $424 $382 $22 $114 $1,218 $102
Escalade ESV Luxury Edition 2WD $276 $424 $382 $22 $114 $1,218 $102
Escalade ESV Premium Edition 2WD $276 $424 $382 $22 $114 $1,218 $102
Escalade ESV Luxury Edition 4WD $276 $424 $382 $22 $114 $1,218 $102
Escalade ESV Premium Edition 4WD $298 $478 $382 $22 $114 $1,294 $108
Escalade ESV Platinum Edition 2WD $298 $478 $382 $22 $114 $1,294 $108
Escalade ESV Platinum Edition 4WD $298 $478 $382 $22 $114 $1,294 $108
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in your specific San Antonio location which can influence rates greatly.

Based on the above data, using a $250 deductible would cost the average driver about $38 more each month or $456 every year averaged for all Escalade ESV models than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 20 months between claim filings, you would probably save some money if you opt for a higher deductible.

Impact of violations and accidents on rates

The chart below demonstrates how citations and at-fault fender-benders can influence Cadillac Escalade ESV auto insurance costs for each age group. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Car insurance premiums based on gender

The example below illustrates the comparison of Cadillac Escalade ESV car insurance rates for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Liability only or full coverage

The chart below illustrates the comparison of Cadillac Escalade ESV auto insurance rates with full physical damage coverage compared to only buying liability only. The costs are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are applied.

When to switch to liability coverage only

There is no specific rule for dropping physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Cadillac Escalade ESV replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after the deductible is paid. If it's costing you more than $700 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not buy liability only.

Get cheaper Cadillac Escalade ESV insurance in San Antonio with discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts to cut the cost considerably. Certain discounts will be applied at quote time, but less common discounts must be specifically requested prior to receiving the credit. If you do not double check each discount you deserve, you could be getting lower rates.Save money with discounts

  • Early Payment Discounts - If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.
  • Bundle and Save - When you have multiple policies with the same insurance company you could save at least 10 to 15 percent or more.
  • Sign Early and Save - Select insurance companies give a discount for switching companies prior to the expiration date on your current Escalade ESV insurance policy. It's a savings of about 10%.
  • Active Service Discounts - Being on active duty in the military could trigger a small discount.
  • E-sign Discounts - Certain auto insurance companies may give you up to $50 for completing your application on the web.

A little disclaimer on discounts, most of the big mark downs will not be given to the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you aren't that lucky. But all discounts will positively reduce the cost of your policy.

The diagram below compares Cadillac Escalade ESV insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, safe-driver, multi-car, and multi-policy discounts applied.

Large auto insurance companies and some of the discounts are outlined below.

  • State Farm may include discounts for good driver, defensive driving training, accident-free, Drive Safe & Save, and multiple policy.
  • Liberty Mutual policyholders can earn discounts including exclusive group savings, multi-car, new vehicle discount, teen driver discount, multi-policy, and newly retired.
  • American Family has savings for accident-free, bundled insurance, early bird, good driver, air bags, and defensive driver.
  • Progressive offers discounts for online signing, good student, homeowner, multi-policy, multi-vehicle, continuous coverage, and online quote discount.
  • Farmers Insurance offers premium reductions for pay in full, mature driver, bundle discounts, alternative fuel, distant student, and business and professional.
  • Auto-Owners Insurance may have discounts that include anti-theft, paperless, safe driver, multi-policy, paid in full, and group or association.
  • SAFECO has discounts for teen safety rewards, drive less, multi-car, anti-theft, and bundle discounts.

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Some credits may not apply to policies in your state. For a list of companies that can offer you the previously mentioned discounts in Texas, follow this link.

Compare rates regularly to save

We've covered many tips how you can shop for Cadillac Escalade ESV insurance online. It's most important to understand that the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies. These companies may often insure only within specific states and give better rates compared to the large companies like Progressive or GEICO.

When trying to cut insurance costs, it's very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your goal should be to buy a smart amount of coverage at a price you can afford.

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