Compare Cadillac Escalade EXT Insurance Quotes in Chandler

Feeling guilty for buying an expensive auto insurance policy? Trust us when we tell you there are many Chandler consumers feeling the pinch from expensive auto insurance.

Astonishing but true, a large majority of drivers kept their coverage with the same auto insurance company for more than four years, and approximately 40% of consumers have never compared rate quotes at all. With the average auto insurance premium being $1,600, Chandler drivers could save an average of approximately $730 each year just by getting comparison quotes, but they don’t invest the time required to find cheap insurance by shopping around.

Steps to buying lower priced Cadillac Escalade EXT insurance in Chandler

The recommended way to get the cheapest Cadillac Escalade EXT insurance is to compare quotes annually from different companies who sell insurance in Chandler.

1. Get an understanding of how insurance works and the factors you can control to prevent high rates. Many rating criteria that result in higher rates like at-fault accidents and a low credit rating can be amended by making small lifestyle or driving habit changes.
2. Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can quote rates from multiple sources. View rates
3. Compare the quotes to the premium of your current policy to see if cheaper Escalade EXT coverage is available. If you can save money, verify that coverage does not lapse between policies.
4. Provide adequate notice to your current company to cancel your existing policy. Submit any necessary down payment along with the completed application for the new policy. Be sure to safely store the proof of insurance paperwork with the vehicle registration.

The key thing to know about shopping around is to compare the same amount of coverage on each price quote and and to get rates from as many companies as possible. This enables an accurate price comparison and the best price selection.

Many insurers compete for your business, so it’s not easy to compare every company to discover the definitive lowest price on Cadillac Escalade EXT insurance in Chandler.

Just remember that comparing a large number of companies will enable you to find more affordable rates.

The car insurance companies shown below have been selected to offer free rate quotes in Chandler, AZ. If multiple companies are listed, we suggest you click on several of them in order to find the most competitive rates.

Rate information and statistics

The premium information displayed below highlights different insurance premium costs for Cadillac Escalade EXT models. Being able to understand how policy rates are figured helps drivers make informed coverage decisions.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in specific garaging location which can lower or raise auto insurance rates considerably.

Physical damage deductible comparison

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The following tables sum up the rate fluctuation when you select higher and lower coverage deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in vehicle location which can affect coverage prices considerably.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $17 more each month or $204 every year across all Cadillac Escalade EXT models than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 15 months between claim filings, you would save more money if you decide on a higher deductible.

The illustration below demonstrates how deductibles and can impact Cadillac Escalade EXT annual premium costs for each different age category. The prices are based on a married female driver, comp and collision included, and no policy discounts are applied.

Age-based auto insurance rates by gender

The chart below illustrates the difference between Cadillac Escalade EXT auto insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

How Insurance Providers Calculate Cadillac Escalade EXT Insurance Prices

Many things are used when you get a price on insurance. Most are fairly basic such as your driving history, but some are more obscure such as whether you are married or your vehicle rating.

Shown below are some of the most common factors auto insurance companies consider when setting prices.

• Do you have enough liability protection? – Liability insurance provides coverage when you are responsible for damages caused by your negligence. It provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.
• Bundle policies and save money – Lots of insurers provide a discount to customers that have more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other company rates to ensure the best deal. You may still save money even if you insure with multiple companies
• Getting married is a good thing – Having a wife or husband helps lower the price when shopping for auto insurance. Marriage demonstrates that you tend to be more financially stable and statistics prove married couples file fewer claims.
• Raise your deductibles for better rates – The deductibles tell how much you are required to spend before a claim is paid by your company. Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some coverage claims would be a windshield broken by a bird, damage from fire, and damage from wind. The more money you pay before a claim is paid (deductible), the less your company will charge you for insurance.
• High credit means lower costs – Having a bad credit score is likely to be a major factor in determining what you pay for auto insurance. Insureds with good credit tend to be less risk to insure than those with poor credit scores. Therefore, if your credit rating is not that good, you could potentially save money when insuring your Cadillac Escalade EXT by improving your credit score.

Choosing vehicle insurance is an important decision

Despite the high insurance cost for a Cadillac Escalade EXT in Chandler, insurance serves an important purpose.

• Just about all states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability insurance coverage if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your Cadillac, it’s guaranteed your bank will make it a condition of the loan that you buy full coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Cadillac at a much higher premium rate and make you pay for it.
• Insurance preserves not only your car but also your assets. Insurance will pay for medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If your Cadillac gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your Escalade EXT more than cancel out the cost, especially with large liability claims. But the average American driver is overpaying more than $750 every year so smart consumers compare quotes at every renewal to ensure rates are inline.

Best auto insurance company in Arizona

Insuring your vehicle with the highest-rated company can be difficult considering how many different companies insure vehicles in Chandler. The company information shown next could help you analyze which coverage providers to look at comparing rate quotes with.