Save on 2014 Cadillac Escalade Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 24, 2024

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Buyers have a choice when searching for the lowest priced Cadillac Escalade insurance. They can either waste time driving around trying to get quotes or use the internet to get rate quotes. There are more efficient ways to buy insurance so we’re going to tell you the absolute fastest way to price shop coverage for a Cadillac and find the best price possible from both online companies and local agents.

Learn how to lower your insurance premiums

Consumers need to have an understanding of the different types of things that come into play when calculating insurance coverage rates. If you have a feel for what determines premiums, this allows you to make good choices that could help you find lower insurance coverage prices. Many things are considered when you get a price on insurance. Some are pretty understandable such as your driving record, although some other factors are less apparent like your vehicle usage or how safe your car is.

The factors shown below are some of the most rate-impacting factors used by companies to determine your prices.

  • Alarms and GPS tracking lower rates – Owning a car with advanced anti-theft systems can save you some money. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.
  • Filing policy claims can cost more – Car insurance companies give the best rates to drivers who are not frequent claim filers. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is designed for claims that you cannot pay yourself.
  • Drive less and save – The higher the miles on your Cadillac annually the more it will cost to insure it. A lot of companies apply a rate partially by how you use the vehicle. Cars and trucks that have low annual miles get more affordable rates than those used for commuting. Incorrect rating for your Escalade is just wasting money. Make sure your declarations sheet properly reflects annual mileage.
  • Bundling policies can get discounts – Most major insurers give better rates to buyers who consolidate policies with them in the form of a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to compare other insurance prices to guarantee you are still saving the most.
  • Are women or men drivers cheaper? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Males and females are responsible for auto accidents at about the same rate, but men tend to have more serious accidents. Men also tend to get more serious tickets like driving under the influence (DUI). Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance coverage rates.

Drivers can save with these discounts

Companies that sell car insurance don’t always publicize every possible discount in a way that’s easy to find, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you can actually save on your bill.
  • Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates on Escalade coverage.
  • Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
  • Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less because new model year vehicles are generally safer.
  • Telematics Discount – People who choose to allow data collection to spy on where and when they drive by using a telematics device in their vehicle such as State Farm’s In-Drive could save a few bucks if their driving habits are good.
  • Student in College – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle could qualify for this discount.
  • Discount for Home Ownership – Just being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Escalade coverage with a few insurance companies.
  • No Claims – Insureds with no claims or accidents can earn big discounts in comparison to insureds who have frequent claims or accidents.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

A list of insurance companies and a partial list of their discounts can be read below.

  • Progressive may offer discounts for continuous coverage, good student, online signing, multi-vehicle, homeowner, and multi-policy.
  • MetLife offers discounts for defensive driver, good student, good driver, claim-free, and multi-policy.
  • Mercury Insurance may include discounts for ease of repair, anti-theft, annual mileage, accident-free, type of vehicle, and age of vehicle.
  • Nationwide offers premium reductions for anti-theft, good student, multi-policy, defensive driving, and accident-free.
  • GEICO policyholders can earn discounts including daytime running lights, air bags, multi-policy, military active duty, membership and employees, defensive driver, and anti-theft.
  • AAA has discounts for multi-car, AAA membership discount, good driver, good student, and pay-in-full.

Before you buy a policy, ask every insurance company to apply every possible discount. Some credits might not be offered on policies everywhere. If you would like to see a list of insurance companies that offer discounts, enter your zip code here.

The insurance coverage bait and switch

Drivers can’t avoid all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. All the ads state the claim that drivers will save a bundle just by switching your insurance coverage policy to them.

How does every company cost less than your current company? This is the way they can do it.

Different companies have underwriting criteria for a prospective insured that will most likely be profitable. For instance, this type of driver may need to be married and over the age of 30, is a homeowner, and drives a car with an anti-theft system. Any person who meets those qualifications gets the lowest premium rates and is almost guaranteed to cut their rates substantially.

Potential insureds who do not meet this stringent profile will have to pay higher prices and business going elsewhere. Company advertisements say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can state the savings. Because every company is different, you really need to do a rate comparison at every renewal. It is impossible to predict with any certainty which company will have the lowest rate quotes.

Special considerations

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if you might need professional guidance.

  • When should I not file a claim?
  • What exactly is covered by my policy?
  • What can I do if my company won’t pay a claim?
  • Are my friends covered when driving my 2014 Cadillac Escalade?
  • What is UM/UIM insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is extra glass coverage worth it?
  • Am I covered if I break a side mirror?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less for low miles?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out your zip code. It is quick, free and you can get the answers you need.

Coverage specifics

Having a good grasp of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, fire damage, falling objects, vandalism and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, chiropractic care, X-ray expenses and surgery. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles, pain and suffering, funeral expenses and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Compare but don’t skimp

We’ve covered many tips how you can get a better price on 2014 Cadillac Escalade insurance. The key concept to understand is the more you quote car insurance, the better your comparison will be. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising.

When buying insurance coverage, never buy less coverage just to save a little money. Too many times, an insured dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Budget-friendly auto insurance can be sourced both online and also from your neighborhood agents, so you need to quote car insurance with both to have the best selection. Some insurance companies may not have the ability to get a quote online and most of the time these smaller providers only sell through local independent agents.

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