How to Save on Cadillac Escalade EXT Insurance in Phoenix

How long has it been since you compared quotes for cheaper Cadillac Escalade EXT insurance in Phoenix? Having to pay for overpriced Cadillac Escalade EXT insurance in Phoenix can diminish your monthly budget and possibly require you to analyze your spending habits. Price shopping at each renewal is a smart way to make ends meet.

Insurance rates Cadillac Escalade EXT in PhoenixUnthinkable but true, a large majority of car insurance policyholders have been with the same company for well over three years, and almost half have never shopped around. Arizona consumers could save roughly $700 every year by just comparing quotes, but they don’t know how much money they would save if they switch to a new company.

There are many insurance companies to choose from, and even though it’s nice to be able to choose, more choices can make it harder to compare company pricing for Cadillac Escalade EXT insurance in Phoenix.

You should take the time to get comparison quotes occasionally because car insurance rates are adjusted regularly by insurance companies. Just because you had the best deal on Cadillac Escalade EXT insurance in Phoenix a few years ago you can probably find a better price now. Block out anything you think you know about car insurance because you’re about to learn the things you must know in order to properly buy coverages and cut your premium.

Most of the larger companies allow consumers to get insurance quotes direct online. Getting online rates for Cadillac Escalade EXT insurance in Phoenix is fairly straightforward as you simply enter the coverages you want as detailed in the form. When complete, the quote system will obtain information on your driving record and credit history and generates pricing information based on the information you submitted. This streamlines rate comparisons, and it’s absolutely necessary to compare as many rates as possible in order to find the lowest car insurance rates.

To quickly compare rates using this form now, compare rates from the companies below. If you have coverage now, it’s recommended you copy coverages and limits identical to your current policy. Using the same limits helps guarantee you will have an apples-to-apples comparison for the exact same coverage.

The car insurance companies shown below are our best choices to provide free rate quotes in Phoenix, AZ. If several companies are displayed, we suggest you visit two to three different companies to get the lowest price.

Cadillac Escalade EXT Insurance Price Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $260 $444 $308 $18 $92 $1,122 $94
Escalade EXT Luxury Edition 4WD $376 $808 $390 $24 $116 $1,714 $143
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price estimates do not factor in vehicle location which can decrease or increase price quotes noticeably.

Policy deductible comparison

The diagram below demonstrates how deductibles and can change Cadillac Escalade EXT insurance rates for different insured age categories. The data is based on a married male driver, comp and collision included, and no other discounts are factored in.

Deductible analysis

When buying auto insurance, a common question is how high should the physical damage deductibles be. The comparison tables below can help you visualize the differences in premium rates when you buy lower versus higher insurance deductibles. The first rate table uses a $250 deductible and the second rate chart uses a $500 deductible.

Cadillac Escalade EXT insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $350 $600 $300 $18 $90 $1,383 $115
Escalade EXT Luxury Edition 4WD $350 $600 $300 $18 $90 $1,383 $115
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Cadillac Escalade EXT insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $286 $484 $300 $18 $90 $1,178 $98
Escalade EXT Luxury Edition 4WD $286 $484 $300 $18 $90 $1,178 $98
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in Phoenix location which can raise or lower rates substantially.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $17 more each month or $204 each year than quoting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 15 months between claims, you would save more money going with the higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $115
Average monthly premium for $500 deductibles (subtract): – $98
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to be aware of is that a higher deductible level means you will have to pay more if you have a claim. You will want to have some extra savings in order to pay the deductible.

Impact of citations and accidents on insurance rates

The illustration below shows how speeding tickets and at-fault fender-benders impact Cadillac Escalade EXT insurance prices for each different age category. The data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Why you need auto insurance

Despite the high cost of buying insurance for a Cadillac Escalade EXT in Phoenix, auto insurance is mandatory in Arizona but it also protects more than you think.

The benefits of insuring your Escalade EXT definitely exceed the cost, especially for larger claims. But the average American driver is currently overpaying as much as $750 every year so compare rates at every renewal to ensure rates are inline.

Why Informed Drivers Pay Less for Cadillac Escalade EXT Insurance

When buying car insurance it’s important to understand some of the elements that help determine your premiums. If you understand what influences your rates, this allows you to make educated decisions that may result in lower car insurance prices.

Shown below are most of the major factors car insurance companies consider when setting prices.

Companies offer many discounts on Cadillac Escalade EXT insurance in Phoenix

Companies that sell car insurance do not advertise every possible discount very clearly, so the following list contains both the well known and also the more inconspicuous savings tricks you should be using when you buy Phoenix auto insurance online.Cheaper insurance with discounts

A little disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will help reduce your insurance premiums.

A few popular companies and their offered discounts are included below.

When quoting, ask all companies you are considering which discounts you may be entitled to. Discounts may not be offered in Phoenix. To choose insurance companies that offer the discounts shown above in Arizona, click this link.

When to talk to an insurance agent

Many drivers still prefer to visit with an insurance agent and that is just fine! A nice benefit of getting online price quotes is you can get better rates and still choose a local agent.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is transmitted to agents in your area who will give competitive quotes for your coverage. You won’t need to contact any agents due to the fact that quote results will go straight to your inbox. You can find the lowest rates and a licensed agent to talk to. If you wish to compare prices from a particular provider, feel free to jump over to their website and fill out the quote form the provide.

Finding the right insurer requires more thought than just a low price. You should also get answers to these questions.

When researching a reliable agent, you should know the types of insurance agents to choose from. Agents can be categorized as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on the products they sell which helps them compete with independent agents.

Below is a short list of exclusive agents in Phoenix who can help you get price quote information.

1630 N 7th StPhoenix, AZ 85006(602) 252-1330View Map

6146 N 35th Ave #103Phoenix, AZ 85017(602) 242-4141View Map

2600 N 44th St #110Phoenix, AZ 85008(602) 840-6655View Map

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Independent Insurance Agencies

Agents that elect to be independent are not locked into one company so they can quote policies through lots of different companies and find the cheapest insurance rates. If your agent finds better pricing, the business is moved internally and that require little work on your part. If you are comparing rate quotes, you will definitely want to contact a couple of independent agencies so that you can do a thorough price comparison.

Shown below are independent agents in Phoenix who can help you get price quote information.

3510 E Bell Rd # 2Phoenix, AZ 85032(602) 493-2300View Map

1529 W Thomas RdPhoenix, AZ 85015(602) 241-9200View Map

317 N 19th AvePhoenix, AZ 85009(602) 233-5500View Map

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Get the best coverage at the lowest price

Cheaper Cadillac Escalade EXT insurance in Phoenix can be bought online in addition to local insurance agencies, so get free Phoenix auto insurance quotes from both of them to have the best selection. Some auto insurance companies may not have the ability to get quotes online and these smaller providers only sell through independent insurance agencies.

You just learned many ideas to save on Cadillac Escalade EXT insurance in Phoenix. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest prices come from the smaller companies. These companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

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