If saving the most money is your goal, then the best way to get cheaper Cadillac Escalade EXT insurance in El Paso is to start comparing prices yearly from insurance carriers in Texas. This can be done by following these guidelines.
Step 1: Try to comprehend car insurance and the steps you can take to prevent rate increases. Many things that result in higher prices such as accidents, traffic violations, and a not-so-good credit score can be improved by paying attention to minor details. Continue reading for additional ideas to help reduce premium rates and find discounts that you may qualify for.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can quote rates for many different companies.
Step 3: Compare the price quotes to your current policy premium to see if switching to a new carrier will save money. If you can save some money and make a switch, verify that coverage does not lapse between policies.
Step 4: Tell your current agent or company of your decision to cancel your current policy and submit payment and a completed application to the new company. Once the paperwork is finalized, safely store the certificate of insurance in an easily accessible location.
The key thing to know about shopping around is to try to compare the same deductibles and limits on every quote and and to look at as many companies as you can. This ensures a level playing field and maximum price selection.
It's shocking but the majority of drivers have remained with the same car insurance company for a minimum of four years, and roughly 40% of drivers have never compared rate quotes at all. Many consumers in Texas could save up to $1,766 a year by just shopping around, but they just assume it's a time-consuming process to compare rate quotes.
All the larger insurance companies provide prices for coverage direct online. Getting online quotes for Cadillac Escalade EXT insurance in El Paso is quite easy because it's just a matter of typing in your required coverages on the page. After you complete the form, the company's rating system automatically retrieves your credit score and driving record and quotes a price.
Being able to quote online for Cadillac Escalade EXT insurance in El Paso streamlines rate comparisons, and it's very important to compare as many rates as possible in order to get a better rate.
If you want to get comparison pricing now, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you replicate deductibles and limits identical to your current policy. This helps ensure you're receiving comparison quotes for the exact same coverage.
The companies shown below offer quotes in Texas. If the list has multiple companies, it's a good idea that you visit as many as you can to find the most competitive car insurance rates.
Affordable El Paso car insurance rates with discounts
Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Some discounts apply automatically at the time you complete a quote, but once in a while a discount must be asked for before you will receive the discount.
- Seat Belts Save more than Lives - Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
- Senior Discount - Drivers over the age of 55 may receive a discount up to 10%.
- Active Service Discounts - Being on active deployment in the military could mean lower prices.
- Passive Restraints - Vehicles with factory air bags could see savings of up to 25% or more.
- Low Miles Discount - Driving less may enable drivers to earn lower car insurance rates due to less chance of an accident.
Don't be shocked that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like it's possible to get free car insurance, it doesn't quite work that way.
The diagram below shows the comparison of Cadillac Escalade EXT premium costs with and without policy discounts. The data is based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, multi-car, and safe-driver discounts applied.
A few of the larger companies and some of the discounts are outlined below.
- GEICO policyholders can earn discounts including driver training, emergency military deployment, multi-vehicle, anti-theft, seat belt use, federal employee, and five-year accident-free.
- Travelers may include discounts for save driver, multi-policy, hybrid/electric vehicle, student away at school, IntelliDrive, payment discounts, and early quote.
- Farm Bureau includes discounts for renewal discount, multi-policy, multi-vehicle, safe driver, good student, and youthful driver.
- Liberty Mutual offers discounts for new move discount, new vehicle discount, new graduate, multi-policy, preferred payment discount, and newly retired.
- American Family has discounts for mySafetyValet, TimeAway discount, bundled insurance, defensive driver, and multi-vehicle.
- Progressive has savings for online signing, homeowner, multi-vehicle, online quote discount, multi-policy, continuous coverage, and good student.
If you are trying to find affordable El Paso car insurance quotes, ask every prospective company the best way to save money. Some credits may not be available in your area.
Cadillac Escalade EXT coverage analysis
The rate table below outlines different coverage costs for Cadillac Escalade EXT models. Knowing how prices are established can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade EXT 4WD | $482 | $890 | $388 | $24 | $116 | $1,900 | $158 |
| Escalade EXT Luxury Edition 4WD | $482 | $890 | $388 | $24 | $116 | $1,900 | $158 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in your specific El Paso location which can alter price quotes noticeably.
Raise deductibles and save
One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The following tables show the costs and benefits between low and high physical damage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate chart uses a $500 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 | $362 | $614 | $382 | $22 | $114 | $1,494 | $125 |
| Escalade EXT Luxury Edition 4WD | $362 | $614 | $382 | $22 | $114 | $1,494 | $125 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific El Paso garaging location which can change prices noticeably.
Based on the above data, using a $250 deductible costs about $21 more each month or $252 every year than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 12 months between claims, you would probably be better off if you elect the higher deductible.
Rate comparison of full coverage and liability-only
The diagram below illustrates the difference between Cadillac Escalade EXT car insurance rates with and without physical damage coverage. The premium estimates are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no set rule for dropping comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let's assume your Cadillac Escalade EXT replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after the deductible is paid. If it's costing in excess of $300 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are a few cases where only buying liability is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.
Auto insurance is available from agents near you
A small number of people still prefer to buy from a local agent and there is nothing wrong with that. Professional insurance agents are trained to spot inefficiencies and help in the event of a claim. A nice benefit of comparing rates online is the fact that drivers can get cheap auto insurance quotes and also buy local. Supporting neighborhood agents is important particularly in El Paso.
To make it easy to find an agent, after completing this simple form, your insurance data is transmitted to local insurance agents that provide free El Paso car insurance quotes and help you find cheaper coverage. There is no reason to leave your computer because quoted prices will be sent to the email address you provide. If for some reason you want to compare prices from a specific auto insurance provider, just search and find their rate quote page to submit a rate quote request.
The type of auto insurance agent you choose is important
When searching for a reputable agency, there are two types of agencies and how they can quote your rates. Insurance agencies in El Paso are considered either independent or exclusive depending on the company they work for. Either can sell affordable auto insurance policies, but it's good to learn how they differ because it may have an impact on your agent selection.
Independent Insurance Agents
Independent agencies are not employed by one company so as a result can place your coverage with an assortment of companies and get the cheapest rates. If your premiums go up, they simply move your policy to a different company without you having to go to a different agency. If you are trying to find cheaper rates, you should always get rate quotes from at a minimum one independent agency in order to compare the most rates. Most also have access to lesser-known insurance companies that many times have cheaper rates.
Shown below are independent agents in El Paso that can give you free auto insurance rate quotes.
- Nationwide Insurance: Ed Flores Insurance Agency Inc
1400 N Zaragoza Rd e - El Paso, TX 79936 - (915) 857-3300 - View Map - Mount Franklin Insurance Agency
2931 George Dieter Dr - El Paso, TX 79936 - (915) 599-2900 - View Map - Texas Auto Insurance Agency
1491 Lee Trevino Dr # G - El Paso, TX 79936 - (915) 594-4400 - View Map
Exclusive Auto Insurance Agencies
Exclusive agencies generally can only insure with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on their company's products which helps them sell on service rather than price. Consumers often purchase coverage from exclusives mostly because of the prominent brand name and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agents in El Paso who can help you get price quote information.
- Jacobo Akle - State Farm Insurance Agent
6065 Montana Ave STE C1 - El Paso, TX 79925 - (915) 775-2553 - View Map - Beth Santillan - State Farm Insurance Agent
12420 Edgemere Blvd Ste 102 - El Paso, TX 79938 - (915) 855-0035 - View Map - GEICO Insurance Agent
6600 Montana Ave j - El Paso, TX 79925 - (915) 779-2489 - View Map
Selecting an insurance agent is decision based upon more than just the price. Ask your prospective agent these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- Are you getting all the discounts the company offers?
- Are they primarily personal or commercial lines agents in El Paso?
- How long has their agency been in business in El Paso?
- Does the company have a local claim office in El Paso?
- Does the agent have a valid license to sell insurance in Texas?
- How often do they review coverages?
Car insurance can be complex
When it comes to adequate coverage, there isn't really a cookie cutter policy. Your needs are not the same as everyone else's.
For example, these questions might help in determining if you will benefit from professional help.
- Does my Cadillac Escalade EXT need full coverage?
- Are my tools covered if they get stolen from my vehicle?
- Is extra glass coverage worth it?
- What can I do if my company denied a claim?
- Am I covered by my spouse's policy after a separation?
- Do I need medical payments coverage since I have good health insurance?
- Is water damage covered by my policy?
- Is my custom stereo system covered?
If you can't answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, free and may give you better protection.
Specific coverage details
Understanding the coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Liability auto insurance - This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn't cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 30/60/25 which means a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for claims such as structural damage, court costs and medical services. How much liability should you purchase? That is up to you, but it's cheap coverage so purchase higher limits if possible. Texas requires drivers to carry at least 30/60/25 but drivers should carry more coverage.
The next chart demonstrates why minimum state limits may not provide adequate coverage.
Collision coverage - This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like sideswiping another vehicle, backing into a parked car, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Escalade EXT in order to get cheaper collision rates.
Uninsured or underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Cadillac Escalade EXT.
Due to the fact that many Texas drivers have only the minimum liability required by law (30/60/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liability limits.
Medical expense coverage - Med pay and PIP coverage provide coverage for bills for prosthetic devices, funeral costs, nursing services and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Comprehensive protection - This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from a tornado or hurricane, hail damage and a tree branch falling on your vehicle. The maximum amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.
One last note
You just learned a lot of information how to compare Cadillac Escalade EXT insurance auto insurance rates in El Paso. The most important thing to understand is the more companies you get premium rates for, the better chance you'll have of finding low cost El Paso car insurance quotes. You may even discover the lowest priced car insurance comes from a small local company.
Lower-priced Cadillac Escalade EXT insurance in El Paso can be found on the web and from local agencies, so you need to quote El Paso car insurance with both to get a complete price analysis. Some insurance providers may not provide rates over the internet and usually these small, regional companies only sell through independent agents.
Insureds who switch companies do it for a variety of reasons including extreme rates for teen drivers, policy cancellation, being labeled a high risk driver and even policy non-renewal. Regardless of your reason, switching car insurance companies is not as hard as you think.
Additional learning opportunities
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Auto Insurance Learning Center (State Farm)
- Auto Crash Statistics (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)