How to Save on Cadillac Escalade EXT Insurance in San Jose

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It takes a little time, but the best way to save on Cadillac Escalade EXT insurance in San Jose is to regularly compare price quotes from companies that insure vehicles in California.

  1. Try to learn a little about how insurance works and the measures you can control to prevent expensive coverage. Many factors that result in higher rates such as accidents, careless driving, and an unacceptable credit history can be eliminated by making minor changes in your lifestyle. Continue reading for more details to help keep rates affordable and find available discounts that you may qualify for.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple insurance companies. View companies
  3. Compare the new rate quotes to your current policy to determine if switching companies saves money. If you can save money and change companies, make sure coverage does not lapse between policies.

A valuable tip to remember is to try to use the same physical damage deductibles and liability limits on each quote request and and to compare as many carriers as you can. This guarantees an accurate price comparison and many rates to choose from.

Insurance for Cadillac Escalade EXTEveryone knows that car insurance companies don't want customers comparing rates. Drivers who compare rates at least once a year will presumably switch auto insurance companies because there is a great chance of finding better rates. A recent auto insurance study revealed that people who compared prices regularly saved $3,500 over four years compared to policyholders who never shopped around.

If finding the lowest price for auto insurance is your target objective, knowing how to shop for insurance premiums can make shopping around easier.

The companies shown below are ready to provide free rate quotes in San Jose, CA. If the list has multiple companies, we suggest you visit two to three different companies to get a more complete price comparison.

Data for Cadillac Escalade EXT insurance

The rate information shown next covers detailed analysis of policy rates for Cadillac Escalade EXT models. Learning more about how insurance rates are formulated can help you make decisions when choosing a new policy provider.

Cadillac Escalade EXT Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $314 $638 $534 $32 $160 $1,678 $140
Escalade EXT Luxury Edition 4WD $314 $638 $534 $32 $160 $1,678 $140
Get Your Own Custom Quote Go

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in garaging location in San Jose which can decrease or increase rates greatly.

Higher deductibles save money

One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The following insurance rates highlight the costs and benefits of buying low and high physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Cadillac Escalade EXT insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $518 $882 $442 $26 $132 $2,025 $169
Escalade EXT Luxury Edition 4WD $518 $882 $442 $26 $132 $2,025 $169
Get Your Own Custom Quote Go
Cadillac Escalade EXT insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $320 $556 $442 $26 $132 $1,476 $123
Escalade EXT Luxury Edition 4WD $320 $556 $442 $26 $132 $1,476 $123
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in vehicle location which can revise premium rates substantially.

Based on the figures above, using a $250 deductible will cost in the ballpark of $46 more each month or $552 every year than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 16 months between claims, you would save money if you choose a higher deductible. Here is how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $169
Average monthly premium for $1,000 deductibles (subtract): - $123
Monthly savings from raising deductible: $46
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $46
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important issue to know is that a higher deductible level means you pay more out-of-pocket when you file a claim. That will require some savings in the bank in the event you need to pay more to get your vehicle repaired.

The illustration below shows how choosing a deductible and can influence Cadillac Escalade EXT insurance premiums for different age categories. The premiums are based on a married male driver, full coverage, and no discounts are applied to the premium.

Cadillac Escalade EXT insurance costs by age and gender

The chart below illustrates the comparison of Cadillac Escalade EXT insurance costs for male and female drivers. The rates are based on no accidents, no driving violations, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Liability only or full coverage

The information below shows the difference between Cadillac Escalade EXT auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.

When to drop comp and collision

There is no exact rule that works best for making the decision to drop full coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Cadillac Escalade EXT settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the policy deductible has been paid. If you are paying more than $200 a year for full coverage, then you might consider buying liability only.

There are some scenarios where buying only liability insurance is not financially feasible. If you haven't paid off your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Affordable San Jose car insurance rates with discounts

Insuring your vehicles can cost a lot, but you can get discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but less common discounts must be manually applied in order for you to get them.Discount car insurance

  • Online Discount - A few larger online companies will provide an incentive for buying your policy online.
  • Seat Belt Discounts - Using a seat belt and requiring all passengers to buckle up could cut 10% or more off the PIP or medical payment premium.
  • Discounts for Cautious Drivers - Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
  • Home Ownership Discount - Just being a homeowner may trigger a policy discount on car insurance because maintaining a house requires a higher level of personal finance.
  • Defensive Driving Course - Completing a course teaching driver safety skills may get you a small discount and easily pay for the cost of the class.
  • Active Military Service - Having a deployed family member could qualify you for better rates.
  • Organization Discounts - Belonging to qualifying clubs or civic groups could qualify you for a break when getting a San Jose car insurance quote.
  • Distant Student - College-age children who are enrolled in higher education away from home and won't have access to an insured vehicle can be insured at a reduced rate.
  • Air Bags and Passive Restraints - Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Data Collection Discounts - Policyholders that allow data collection to scrutinize driving manner by using a telematic data system such as In-Drive from State Farm or Allstate's Drivewise system could see a rate decrease if they show good driving skills.

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will help lower your overall premium however.

The diagram below compares Cadillac Escalade EXT car insurance rates with and without discounts applied to the premium. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, safe-driver, and claim-free discounts applied.

The best car insurance companies and some of the premium reductions they offer are detailed below.

  • State Farm offers discounts for anti-theft, safe vehicle, Drive Safe & Save, multiple autos, passive restraint, and student away at school.
  • GEICO may offer discounts for anti-lock brakes, driver training, multi-policy, membership and employees, anti-theft, emergency military deployment, and multi-vehicle.
  • Liberty Mutual has savings for new vehicle discount, hybrid vehicle, teen driver discount, safety features, good student, and multi-car.
  • The Hartford offers premium reductions for driver training, defensive driver, anti-theft, air bag, vehicle fuel type, and bundle.
  • MetLife may have discounts that include multi-policy, claim-free, good driver, good student, defensive driver, accident-free
  • Progressive policyholders can earn discounts including multi-vehicle, online signing, online quote discount, continuous coverage, homeowner, and good student.

Before you buy a policy, ask all the companies which credits you are entitled to. Savings might not be offered everywhere. To choose providers who offer cheap Cadillac Escalade EXT insurance quotes in California, click here.

Three reasons to not skimp on car insurance

Despite the potentially high cost of Cadillac Escalade EXT insurance, maintaining insurance may be mandatory for several reasons.

  • Almost all states have mandatory insurance requirements which means state laws require a specific level of liability coverage in order to be legal. 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 have a loan on your vehicle, almost every bank will require you to carry insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Cadillac at a much higher premium rate and require you to reimburse them for it.
  • Car insurance preserves both your car and your personal assets. It will also reimburse you for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay for a defense attorney if someone files suit against you as the result of an accident. If you have damage to your Cadillac as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance definitely exceed the cost, specifically if you ever have a liability claim. As of last year, the average driver in California is overpaying more than $830 a year so you should quote your policy with other companies at every policy renewal to ensure rates are competitive.

Situations that may require an agent's advice

When it comes to coverage online or from an agent for your personal vehicles, there really isn't a single plan that fits everyone. Your needs are unique to you.Higher deductibles save money

For instance, these questions can help discover if you might need professional guidance.

  • Is upholstery damage covered by car insurance?
  • Do I need special coverage while pulling a rented trailer?
  • Is my dog or cat covered if injured in an accident?
  • Does car insurance cover theft of personal property?
  • What is high-risk coverage and where do I buy it?
  • Can I make deliveries for my home business?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Insurance agent or online?

Many people would rather go talk to an agent and there is nothing wrong with that. Good insurance agents are highly skilled in risk management and give you someone to call. One of the benefits of comparing rate quotes online is the fact that you can find better rates but also keep your business local. And buying from small agencies is still important in San Jose.

To find an agent, once you fill out this quick form, your coverage information is immediately sent to participating agents in San Jose who will return price quotes and help you find cheaper coverage. You never need to contact an agency since rate quotes are delivered to you instantly. If you wish to get a rate quote from one company in particular, you just need to search and find their rate quote page to submit a rate quote request.

Pick the best auto insurance agent in San Jose for you

When looking for a local insurance agency, you should know the types of agencies and how they are distinctly different. Agents in San Jose are classified as either exclusive or independent agents depending on their company appointments. Either one can properly insure your vehicles, but it's worth mentioning how they are different since it can affect buying decisions.

Independent Car Insurance Agents (or Brokers)

Agents of this type are appointed with more than one company so they can write business with an assortment of companies and potentially find a lower price. If you want to switch companies, they simply move the coverage in-house and you stay with the same agent.

When searching for an agent, it's recommended you check rates from at a minimum one independent agency to have the most options to choose from.

Listed below are San Jose independent agencies who may provide free price quotes.

4820 Harwood Rd #130 - San Jose, CA 95124 - (408) 358-7502 - View Map

330 W Hedding St #207 - San Jose, CA 95110 - (408) 292-4329 - View Map

1095 Bird Ave #2 - San Jose, CA 95125 - (408) 298-1611 - View Map

View more San Jose agents

Exclusive Insurance Agents

Agents in the exclusive channel can only provide one company's prices and examples are Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents receive extensive training on their products and sales techniques which helps them compete with independent agents.

Shown below are exclusive insurance agencies in San Jose that can give you rate quotes.

841 Blossom Hill Rd #102 - San Jose, CA 95123 - (408) 629-4700 - View Map

1425 Foxworthy Ave b - San Jose, CA 95118 - (408) 266-8500 - View Map

1025 Lincoln Ave - San Jose, CA 95125 - (408) 267-4100 - View Map

View more San Jose agents

Picking a insurance agency should depend on more than just a cheap quote. Any agent in San Jose should be forthright in answering these questions:

  • Is assistance available after office hours?
  • Do they offer accident forgiveness?
  • Are you getting all the discounts the company offers?
  • Does the quote include credit and driving reports?
  • How many years have they been established?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • What kind of financial rating does the company have?
  • Do they have cheaper tiers of coverage?

After talking to the agent and getting reasonable responses to your questions and a low price estimate, chances are good that you have found an insurance agency that meets your needs to insure your vehicles.