Do you want to save money by finding lower-priced Cadillac Escalade EXT insurance in San Antonio? Searching for low-cost insurance for a new or used Cadillac Escalade EXT in Texas can normally be an all-consuming task, but you can follow our insurance buying tips to make it easier. There is a right way and a wrong way to buy insurance so we’re going to tell you the best way to compare rates for your Cadillac and locate the best price possible.
A recent survey discovered that a large majority of drivers renewed their policy with the same company for over three years, and 38% of drivers have never compared rate quotes at all. Consumers in Texas could pocket up to 70% a year by just shopping around, but they just don’t understand how easy it is to find cheaper insurance rates.
You need to quote other rates every six months since insurance rates are constantly changing. Just because you found the lowest rate on Cadillac Escalade EXT insurance in San Antonio six months ago you will most likely find a better price today. Don’t believe everything you read about Escalade EXT insurance on the web, but in a few minutes you can learn some solid techniques on how to buy insurance cheaper in San Antonio.
Score discounts on San Antonio car insurance
Insurance can cost an arm and a leg, but you might find some hidden discounts that could help you make your next renewal payment. Some discounts apply automatically at quote time, but occasionally some discounts must be specifically requested prior to receiving the credit. If they aren’t giving you every credit you deserve, you may be paying too high a price.
- Senior Citizen Discount – Seniors may qualify for a slight reduction on a San Antonio car insurance quote.
- No Claims – Drivers who don’t have accidents pay much less as compared to insureds who have frequent claims or accidents.
- Savings for New Vehicles – Insuring a new Escalade EXT is cheaper because new vehicles are generally safer.
- One Accident Forgiven – Not a discount per se, but certain companies will forgive one accident before raising your premiums if you have no claims for a specific time period.
- Paper-free Discount – Some of the larger companies give back up to $50 for buying your policy on your computer.
- Seat Belt Discounts – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Braking Control Discount – Cars and trucks equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
- Cautious Drivers – Accident-free drivers can pay as much as 50% less compared to accident prone drivers.
- Safety Course Discount – Participating in a course in safe driver could earn you a small percentage discount if your company offers it.
Remember that some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.
The example below shows the difference between Cadillac Escalade EXT annual premium costs with and without discounts applied to the premium. The rate quotes are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, safe-driver, and claim-free discounts applied.
A list of companies and some of their more popular discounts are:
- Progressive may have discounts that include online signing, multi-vehicle, good student, continuous coverage, and homeowner.
- GEICO may offer discounts for federal employee, five-year accident-free, good student, emergency military deployment, anti-lock brakes, air bags, and seat belt use.
- State Farm policyholders can earn discounts including good student, Drive Safe & Save, anti-theft, Steer Clear safe driver discount, accident-free, and multiple policy.
- Esurance offers discounts including safety device, anti-lock brakes, good driver, claim free, Pac-12 alumni, Switch & Save, and renters.
- The Hartford offers premium reductions for good student, defensive driver, vehicle fuel type, driver training, air bag, anti-theft, and bundle.
If you want affordable San Antonio car insurance quotes, ask every prospective company which credits you are entitled to. Some discounts might not apply in your area.
The majority of larger companies like Progressive, GEICO, Allstate and State Farm make it easy to get coverage prices direct online. Comparing prices online for Cadillac Escalade EXT insurance in San Antonio doesn’t take much effort as you simply enter the amount of coverage you want into the form. Once entered, their system orders your credit score and driving record and provides a quote based on the information you submitted.
Getting online rates for Cadillac Escalade EXT insurance in San Antonio makes comparing rates easy, and it is important to perform this step in order to get the most affordable premium on auto insurance.
To save time and use this form to compare rates, check out the auto insurance providers below. If you have a policy now, it’s recommended you enter deductibles and limits just like they are on your policy. This makes sure you will have rate comparison quotes based on similar coverages.
The companies shown below are our best choices to provide comparison quotes in Texas. If multiple providers are shown, we recommend you visit several of them in order to find the cheapest rates.
Rates and data analysis
The premium table displayed below highlights different insurance prices for Cadillac Escalade EXT models. Having a good understanding how premiums are formulated is important for drivers to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade EXT 4WD | $428 | $890 | $400 | $24 | $120 | $1,862 | $155 |
| Escalade EXT Luxury Edition 4WD | $428 | $890 | $400 | $24 | $120 | $1,862 | $155 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in zip code location which can modify auto insurance rates significantly.
Raise deductibles and save
One common question asked by San Antonio drivers is where should you set your physical damage deductibles. The rates below outline the price difference when you buy lower versus higher coverage deductibles. The first data set uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade EXT 4WD | $446 | $762 | $382 | $22 | $114 | $1,751 | $146 |
| Escalade EXT Luxury Edition 4WD | $446 | $762 | $382 | $22 | $114 | $1,751 | $146 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade EXT 4WD | $276 | $478 | $382 | $22 | $114 | $1,272 | $106 |
| Escalade EXT Luxury Edition 4WD | $276 | $478 | $382 | $22 | $114 | $1,272 | $106 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific zip code location which can revise price quotes greatly.
Based on this data, using a $250 deductible will cost you roughly $40 more each month or $480 for a full year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 19 months between claim filings, you would come out ahead if you decide on a higher deductible. Below is the way we made this calculation.
| Average monthly premium for $250 deductibles: | $146 |
| Average monthly premium for $1,000 deductibles (subtract): | – $106 |
| Monthly savings from raising deductible: | $40 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $40 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important note is that increasing deductibles to lower your rates results in more money out-of-pocket when you do file a claim. That will force you to have enough disposable savings in order to pay more to get your vehicle repaired.
The information below demonstrates how deductibles and can raise or lower Cadillac Escalade EXT insurance costs for different age groups. The prices are based on a single male driver, full coverage, and no discounts are factored in.
Age-based insurance rates by gender
The example below illustrates the difference between Cadillac Escalade EXT auto insurance costs for male and female drivers. The premiums assume no claims or driving citations, full coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
Independent and exclusive auto insurance agents
A small number of people prefer to buy from a local agent and doing that can be a smart decision Professional agents are trained risk managers and help you file claims. One of the best bonuses of comparing rates online is the fact that you can find cheap insurance quotes and still choose a local agent.
After filling out this simple form, your insurance data gets sent to agents in your area who will give you bids to get your business. It makes it easy because there is no need to leave your computer since price quotes are sent to you instantly. If for some reason you want to get a price quote for a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Selecting an insurer is decision based upon more than just the premium amount. Any agent in San Antonio should have no problem answering these questions:
- How are they compensated?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do you need full coverage on every vehicle?
- Which family members are covered?
- How many years of experience in personal auto insurance do they have?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Who are their largest clients?
Different types of auto insurance agents in San Antonio
If you’re trying to find a reputable agency, it helps to know the two types of agencies and how they operate. Agencies in San Antonio may be either independent agents or exclusive agents. Either type can write policy coverage, but it’s a good idea to understand the difference in the companies they write for since it can affect the type of agent you choose.
Exclusive Agents
Agents of this type can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide other company’s prices so it’s a take it or leave it situation. Exclusive agents are well schooled on sales techniques which can be an advantage. Drivers often buy insurance from these agents primarily because of the brand rather than low rates.
Listed below are exclusive insurance agents in San Antonio willing to provide rate quotes.
- State Farm: Sam Longoria
11026 Culebra Rd #105 – San Antonio, TX 78253 – (210) 433-3264 – View Map - Raul Benavides III – State Farm Insurance Agent
6900 San Pedro Ave #135 – San Antonio, TX 78216 – (210) 824-5724 – View Map - Robert Tijerina – State Farm Insurance Agent
8802 Potranco Rd Ste 105 – San Antonio, TX 78251 – (210) 684-3800 – View Map
Independent Agents
Agents in the independent channel often have many company appointments so as a result can place your coverage with multiple insurance companies and get the cheapest rates. If your agent finds better pricing, the business is moved internally which makes it simple for you. When comparison shopping, we recommend you get some free quotes from independent agents to get the best comparison. They often place coverage with mutual insurance companies that many times have cheaper rates.
Listed below are San Antonio independent insurance agencies who can help you get comparison quotes.
- Ellis Insurance Agency
15335 San Pedro Ave – San Antonio, TX 78232 – (210) 979-9000 – View Map - A and A Insurance Agency
1317 Castroville Rd – San Antonio, TX 78237 – (210) 434-2311 – View Map - Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 – View Map
What is YOUR best insurance company?
As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, someone sacrificed physical damage coverage only to regret at claim time they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.
Budget-conscious Cadillac Escalade EXT insurance is attainable online and from local agencies, so you need to shop San Antonio car insurance with both so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and usually these regional carriers prefer to sell through independent agencies.
In this article, we presented a lot of tips how to save on Cadillac Escalade EXT insurance in San Antonio. It’s most important to understand that the more quotes you get, the better likelihood of getting inexpensive San Antonio car insurance quotes. You may even find the most savings is with a smaller regional carrier.
Even more information is located by following these links:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Quotes for Infrequent Drivers in San Antonio? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with a DUI in San Antonio? (FAQ)
- Who Has Cheap San Antonio Auto Insurance Rates for a Ford Escape? (FAQ)
- Rollover Crash FAQ (iihs.org)
- Learn About Car Insurance (GEICO)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)