Insurance for Cadillac EscaladeBeing forced to pay for high-priced auto insurance premiums can draw down your funds and put a big crunch on your finances. Performing a price comparison can save money and help to slash your bill and have more diposable income.

Astonishing but true, the vast majority of auto insurance customers have remained with the same auto insurance company for well over three years, and just under half have never shopped around. Many consumers in Colorado can cut their rates by $605 a year by just shopping around, but they underestimate the big savings they would realize if they switched to a cheaper policy. There is such a variety of car insurance companies to purchase coverage from, and even though it's nice to have a selection, more choices can make it harder to compare company pricing for Cadillac Escalade insurance in Colorado Springs.

It's smart to do price comparisons as often as possible because auto insurance prices are variable and change quite frequently. If you had the lowest price on Cadillac Escalade insurance in Colorado Springs two years ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the fastest and easiest way to buy cheaper Cadillac Escalade insurance in Colorado Springs.

Finding the cheapest auto insurance coverage in Colorado Springs can be made easier if you know where to look. If you have a policy now or need new coverage, use these cost-cutting techniques to get lower rates and still get good coverage. Smart buyers only have to learn the most efficient way to get comparison rates online.

Companies offering Cadillac Escalade insurance in Colorado Springs

The providers in the list below provide price comparisons in Colorado. If multiple companies are shown, we suggest you click on several of them to get the most affordable price.

Cadillac Escalade Insurance Price Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $324 $608 $496 $30 $148 $1,606 $134
Escalade Luxury Edition 2WD $228 $448 $532 $32 $160 $1,400 $117
Escalade 4WD $382 $682 $452 $26 $136 $1,678 $140
Escalade Premium Edition 4WD $468 $620 $576 $34 $172 $1,870 $156
Escalade Luxury Edition 4WD $248 $448 $532 $32 $160 $1,420 $118
Escalade Premium Edition 2WD $260 $426 $422 $24 $126 $1,258 $105
Escalade Hybrid 2WD $440 $1056 $516 $30 $154 $2,196 $183
Escalade Hybrid 4WD $320 $666 $382 $22 $114 $1,504 $125
Escalade Platinum Edition 2WD $416 $770 $452 $26 $136 $1,800 $150
Escalade Platinum Edition 4WD $402 $808 $532 $32 $160 $1,934 $161
Escalade Hybrid Platinum 2WD $438 $994 $480 $28 $144 $2,084 $174
Escalade Hybrid Platinum 4WD $356 $802 $480 $28 $144 $1,810 $151
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in garaging location in Colorado Springs which can affect premiums significantly.

Rate comparison for different deductibles

One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The figures shown below help summarize the cost difference between low and high deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Cadillac Escalade insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $376 $620 $440 $26 $132 $1,619 $135
Escalade Luxury Edition 2WD $376 $620 $440 $26 $132 $1,619 $135
Escalade 4WD $376 $620 $440 $26 $132 $1,619 $135
Escalade Premium Edition 4WD $412 $620 $440 $26 $132 $1,655 $138
Escalade Luxury Edition 4WD $412 $620 $440 $26 $132 $1,655 $138
Escalade Premium Edition 2WD $412 $620 $440 $26 $132 $1,655 $138
Escalade Hybrid 2WD $412 $784 $396 $24 $118 $1,759 $147
Escalade Hybrid 4WD $412 $784 $396 $24 $118 $1,759 $147
Escalade Platinum Edition 2WD $412 $702 $440 $26 $132 $1,737 $145
Escalade Platinum Edition 4WD $412 $702 $440 $26 $132 $1,737 $145
Escalade Hybrid Platinum 2WD $446 $866 $396 $24 $118 $1,875 $156
Escalade Hybrid Platinum 4WD $446 $866 $396 $24 $118 $1,875 $156
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Cadillac Escalade insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $232 $390 $440 $26 $132 $1,220 $102
Escalade Luxury Edition 2WD $232 $390 $440 $26 $132 $1,220 $102
Escalade 4WD $232 $390 $440 $26 $132 $1,220 $102
Escalade Premium Edition 4WD $254 $390 $440 $26 $132 $1,242 $104
Escalade Luxury Edition 4WD $254 $390 $440 $26 $132 $1,242 $104
Escalade Premium Edition 2WD $254 $390 $440 $26 $132 $1,242 $104
Escalade Hybrid 2WD $254 $492 $396 $24 $118 $1,284 $107
Escalade Hybrid 4WD $254 $492 $396 $24 $118 $1,284 $107
Escalade Platinum Edition 2WD $254 $442 $440 $26 $132 $1,294 $108
Escalade Platinum Edition 4WD $254 $442 $440 $26 $132 $1,294 $108
Escalade Hybrid Platinum 2WD $276 $544 $396 $24 $118 $1,358 $113
Escalade Hybrid Platinum 4WD $276 $544 $396 $24 $118 $1,358 $113
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in zip code location which can increase or decrease prices considerably.

Based on this data, using a $250 deductible would cost the average driver about $37 more each month or $444 each year than buying the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 20 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

You Can Change Your Insurance Prices

Multiple criteria are part of the equation when quoting car insurance. Some of the criteria are obvious like an MVR report, but other criteria are not quite as obvious such as your marital status and annual miles driven.

The list below includes a few of the things used by insurance companies to determine your premiums.

Higher physical damage deductibles lower rates - Physical damage coverage, also called 'full coverage', helps pay for damage to your vehicle. Some examples of covered claims are a broken side mirror, hail damage, or theft. The deductibles state the amount of money you are willing to pay before a claim is paid by your company. The more of the claim the insured has to pay upfront, the lower your rates will be.

Do thieves like your car? - Buying a car with a theft deterrent system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.

Reduce prices by driving safer vehicles - Safe vehicles tend to have lower insurance rates. These vehicles reduce the chance of injuries and fewer injuries means less money paid by your insurance company and cheaper rates on your policy. If your Cadillac Escalade has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Combine policies and save money - Many companies will give discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it's in your best interest to compare other company rates to ensure the best deal. Drivers may still find better rates by splitting coverages up.

Extra policy coverages you don't need - There are many extra bells and whistles that sound like a good idea at the time but may not be useful. Insurance for coverage for rental cars, towing, and term life insurance are probably not needed. These coverages may sound good when deciding what coverages you need, but if you don't need them get rid of them and save.

Cadillac Escalade claim data - Insurance companies analyze historical claim data when setting premium rates. Vehicles that have higher frequency or amount of claims will have a higher cost to insure. The table below outlines the compiled insurance loss statistics for Cadillac Escalade vehicles.

For each coverage type, the loss probablilty for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers under 100 suggest a positive loss record, while percentages above 100 indicate more frequent losses or larger claims.

Cadillac Escalade Insurance Claim Statistics

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Cadillac Escalade 4dr 2WD 156 122
Cadillac Escalade 4dr 4WD 132 99 119 55
Cadillac Escalade ESV 4dr 2WD 124
Cadillac Escalade ESV 4dr 4WD 123 106 155

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Get discounts on Colorado Springs insurance

Properly insuring your vehicles can get expensive, but you may be missing some discounts to cut the cost considerably. A few discounts will be applied when you get a quote, but a few must be manually applied prior to receiving the credit.Cheaper insurance with discounts

One last thing about discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you aren't that lucky.

Companies that may offer quotes with these discounts are:

When quoting, ask every insurance company which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policies in your state.

Insurance agent or online?

Many drivers prefer to have an agent's advice and that can be a great decision Professional agents can help you build your policy and help you file claims. The best thing about comparing insurance prices online is the fact that drivers can get cheaper rates but still work with a licensed agent.

Find insurance agent in Colorado SpringsBy using this simple form, your insurance data is immediately sent to local insurance agents who can give free rate quotes for your business. It's much easier because you don't need to find an agent since price quotes are sent immediately to your email address. In the event you want to quote rates for a specific company, you would need to go to their quote page and complete a quote there.

Finding a good company shouldn't rely on just a cheap quote. A good agent in Colorado Springs will have answers to these questions.

If you want a good Colorado Springs insurance agent, it's important to understand the different types of agents to choose from. Agencies in Colorado Springs are either independent (non-exclusive) or exclusive. Either one can write insurance policies, but it's worth learning why they differ since it may influence the selection process.

Exclusive Insurance Agencies

Agents that elect to be exclusive normally can only provide a single company's rates like Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to give you multiple price quotes so they really need to provide good service. Exclusive agents receive extensive training on their products and sales techniques which can be an advantage.

Listed below is a short list of exclusive agencies in Colorado Springs willing to provide price quotes.

Larry Lucero - State Farm Insurance Agent
5225 Academy Blvd N #108 - Colorado Springs, CO 80918 - (719) 599-8661 - View Map

540 W Garden of the Gods Rd - Colorado Springs, CO 80907 - (719) 599-9044 - View Map

106 N Circle Drive - Colorado Springs, CO 80909 - (719) 633-0300 - View Map

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Independent Agents (or Brokers)

Agents in the independent channel are not required to write business for one company and that allows them to write policies with an assortment of companies and find the cheapest insurance rates. If they find a cheaper price, your agent can switch companies without you having to go to a different agency.

If you need lower rates, you absolutely need to get insurance quotes from a few independent agents in order to have the best price comparison.

Listed below are Colorado Springs independent insurance agents that are able to give comparison quotes.

2306 N Powers Blvd #120 - Colorado Springs, CO 80915 - (719) 591-4500 - View Map

1837 Austin Bluffs Pkwy #101 - Colorado Springs, CO 80918 - (719) 268-1300 - View Map

707 S Tejon St - Colorado Springs, CO 80903 - (719) 227-7100 - View Map

More insurance agents

Can switching companies really save?

Colorado consumers constantly see and hear ads that promise big savings by Allstate, GEICO and Progressive. All the ads seem to make the promise about how much you will save just by switching to their company.

How does every company lower your prices? It's all in how they say it.

All companies have a preferred profile for the driver that makes them money. An example of a desirable risk may need to be a mature driver, has a clear driving record, and has a short commute. Any new insured who matches those parameters gets the lowest rates and therefore will cut their Cadillac Escalade insurance rates if they switch.

People who don't measure up to the "perfect" profile will probably be forced to pay higher rates which usually ends up with the customer buying from someone else. The ads state "customers that switch" but not "everyone who gets a quote" save that much money. That is how companies can truthfully make the claims of big savings. This really emphasizes why you absolutely need to compare many company's auto insurance rates. It's not possible to predict which insurance companies will have the best Cadillac Escalade insurance in Colorado Springs.

Situations that may require an agent's advice

When choosing coverage for your personal vehicles, there is no cookie cutter policy. Your situation is unique so your insurance should reflect thatCar insurance savings Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

If it's difficult to answer those questions, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can provide invaluable advice.

More effort can pay off

You just read some good ideas how you can reduce Cadillac Escalade insurance auto insurance rates online in Colorado Springs. It's most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a small mutual company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. In many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Discount Cadillac Escalade insurance in Colorado Springs can be found both online as well as from independent agents in Colorado Springs, so you need to shop Colorado Springs car insurance with both to have the best selection. Some companies may not offer rates over the internet and many times these smaller companies only sell through local independent agents.

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