Cadillac Escalade Insurance Rates in San Jose

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Insurance quote for Cadillac Escalade in San JoseIt's hard to believe, but over 70% of drivers kept their coverage with the same insurance company for more than four years, and approximately 40% of consumers have never compared rates with other companies. California drivers can save approximately $469 each year just by comparing rates, but they don't want to spend time to find cheaper insurance by shopping around.

If you want to find the absolute lowest rates, then the best way to find low-cost prices for Cadillac Escalade insurance in San Jose is to annually compare prices from providers who sell insurance in California.

  • First, learn about car insurance and the measures you can control to keep rates low. Many risk factors that cause high rates such as tickets, at-fault accidents, and a negative credit score can be improved by making small lifestyle or driving habit changes.
  • Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive or State Farm, while agents who are independent can provide prices for a wide range of companies.
  • Third, compare the price quotes to the premium of your current policy to see if cheaper Escalade coverage is available. If you can save some money, ensure there is no coverage lapse between policies.
  • Fourth, provide notification to your current company to cancel the current policy. Submit payment and a completed application for your new policy. Make sure you keep the new certificate verifying proof of insurance with the vehicle registration.

One bit of advice is to compare the same coverage limits and deductibles on each quote and and to get price quotes from all possible companies. This ensures a fair price comparison and and a good selection of different prices.

If you have coverage now, you will surely be able to shop for the lowest rates using the concepts you're about to learn. Quoting and comparing rates for affordable auto insurance policy in San Jose is not as hard as you think. Nevertheless, California drivers do need to understand how big insurance companies price insurance differently because rates are impacted by many factors.

The fastest way that we advise to compare car insurance rates for Cadillac Escalade insurance in San Jose is to know the fact auto insurance companies pay for the opportunity to compare rate quotes. The one thing you need to do is provide a little information including an estimate of your credit level, the year, make and model of vehicles, how much school you completed, and whether you are married. Your insurance information is instantly provided to many of the top insurers and you receive quotes within a short period of time.

To start a quote now, click here and complete the form.

The companies shown below are ready to provide free rate quotes in California. If more than one company is shown, we suggest you visit as many as you can to find the most affordable car insurance rates.

Cadillac Escalade insurance rates and statistics

The rate information displayed below covers different coverage costs for Cadillac Escalade models. Being aware of how policy rates are established can help customers make informed coverage decisions.

Cadillac Escalade Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $512 $912 $564 $34 $168 $2,190 $183
Escalade Luxury Edition 2WD $512 $912 $564 $34 $168 $2,190 $183
Escalade 4WD $512 $912 $564 $34 $168 $2,190 $183
Escalade Premium Edition 4WD $558 $912 $564 $34 $168 $2,236 $186
Escalade Luxury Edition 4WD $558 $912 $564 $34 $168 $2,236 $186
Escalade Premium Edition 2WD $558 $912 $564 $34 $168 $2,236 $186
Escalade Hybrid 2WD $558 $1152 $510 $30 $152 $2,402 $200
Escalade Hybrid 4WD $558 $1152 $510 $30 $152 $2,402 $200
Escalade Platinum Edition 2WD $558 $1032 $564 $34 $168 $2,356 $196
Escalade Platinum Edition 4WD $558 $1032 $564 $34 $168 $2,356 $196
Escalade Hybrid Platinum 2WD $606 $1272 $510 $30 $152 $2,570 $214
Escalade Hybrid Platinum 4WD $606 $1272 $510 $30 $152 $2,570 $214
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can influence price quotes noticeably.

Higher deductibles save money

A question often asked by San Jose drivers is which deductible level should you buy. The figures shown below can help illustrate the price difference between low and high policy deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Cadillac Escalade insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $528 $932 $552 $32 $166 $2,235 $186
Escalade Luxury Edition 2WD $528 $932 $552 $32 $166 $2,235 $186
Escalade 4WD $528 $932 $552 $32 $166 $2,235 $186
Escalade Premium Edition 4WD $576 $932 $552 $32 $166 $2,283 $190
Escalade Luxury Edition 4WD $576 $932 $552 $32 $166 $2,283 $190
Escalade Premium Edition 2WD $576 $932 $552 $32 $166 $2,283 $190
Escalade Hybrid 2WD $576 $1176 $500 $30 $150 $2,457 $205
Escalade Hybrid 4WD $576 $1176 $500 $30 $150 $2,457 $205
Escalade Platinum Edition 2WD $576 $1054 $552 $32 $166 $2,405 $200
Escalade Platinum Edition 4WD $576 $1054 $552 $32 $166 $2,405 $200
Escalade Hybrid Platinum 2WD $624 $1298 $500 $30 $150 $2,627 $219
Escalade Hybrid Platinum 4WD $624 $1298 $500 $30 $150 $2,627 $219
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Cadillac Escalade insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $292 $490 $552 $32 $166 $1,532 $128
Escalade Luxury Edition 2WD $292 $490 $552 $32 $166 $1,532 $128
Escalade 4WD $292 $490 $552 $32 $166 $1,532 $128
Escalade Premium Edition 4WD $320 $490 $552 $32 $166 $1,560 $130
Escalade Luxury Edition 4WD $320 $490 $552 $32 $166 $1,560 $130
Escalade Premium Edition 2WD $320 $490 $552 $32 $166 $1,560 $130
Escalade Hybrid 2WD $320 $620 $500 $30 $150 $1,620 $135
Escalade Hybrid 4WD $320 $620 $500 $30 $150 $1,620 $135
Escalade Platinum Edition 2WD $320 $556 $552 $32 $166 $1,626 $136
Escalade Platinum Edition 4WD $320 $556 $552 $32 $166 $1,626 $136
Escalade Hybrid Platinum 2WD $346 $684 $500 $30 $150 $1,710 $143
Escalade Hybrid Platinum 4WD $346 $684 $500 $30 $150 $1,710 $143
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in vehicle location which can impact auto insurance rates greatly.

Based on the above data, using a $100 deductible would cost the average driver about $64 more each month or $768 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 14 months between claims, you would probably save some money if you choose a higher deductible.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $198
Average monthly premium for $1,000 deductibles (subtract): - $134
Monthly savings from raising deductible: $64
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $64
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One thing to be aware of is that higher deductibles means you will have to pay more out-of-pocket when you have a claim. You need to make sure you have some extra savings in the event you need to pay more for the deductible.

Insuring your Cadillac Escalade just makes sense

Despite the high insurance cost for a Cadillac Escalade in San Jose, paying for car insurance serves an important purpose.

  • The majority of states have minimum liability requirements which means the state requires specific limits of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you bought your Cadillac with a loan, it's most likely the lender will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender will be forced to insure your Cadillac at a much higher rate and require you to fork over much more than you were paying before.
  • Car insurance preserves both your Cadillac and your assets. Insurance will pay for hospital and medical expenses that are the result of an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance more than offset the price you pay, particularly for liability claims. But the average American driver is currently overpaying as much as $850 per year so you should quote and compare rates each time the policy renews to ensure rates are competitive.

How to know if you need help

Always keep in mind that when comparing insurance from an agent or online, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed.Car insurance savings Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • What is the ISO rating for a Cadillac Escalade?
  • Does rental coverage apply when I am renting a car?
  • At what point should I drop full coverage?
  • Am I covered when driving on a suspended license?
  • Do I have ACV or replacement cost coverage?
  • Should I bundle my homeowners policy with my auto?
  • Do I have coverage for damage caused while driving under the influence?

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Coverage specifics

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average auto insurance policy.

Collision coverage

Collision coverage pays for damage to your Escalade caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It's also possible to bump up the deductible on your Escalade to bring the cost down.

Auto liability insurance

This coverage can cover damage that occurs to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/5 that translate to $15,000 in coverage for each person's injuries, $30,000 for the entire accident, and property damage coverage for $5,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as structural damage, attorney fees, repair costs for stationary objects, medical expenses and repair bills for other people's vehicles. The amount of liability coverage you purchase is your choice, but it's cheap coverage so purchase as large an amount as possible. California requires minimum liability limits of 15/30/5 but you should consider buying more coverage.

The chart below demonstrates why low liability limits may not provide adequate coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like funeral costs, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. It can pay for injuries sustained by your vehicle's occupants as well as damage to your Cadillac Escalade.

Due to the fact that many California drivers only carry the minimum required liability limits (which is 15/30/5), their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, a tree branch falling on your vehicle, theft, rock chips in glass and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Smart consumers save more

We just covered a lot of ways to save on Cadillac Escalade insurance in San Jose. The key concept to understand is the more times you quote, the better your chances of lowering your prices. Drivers may even discover the lowest priced car insurance comes from a small mutual company. Smaller companies may have significantly lower prices on certain market segments than their larger competitors like Allstate and Progressive.

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed full coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

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