Trying to find better insurance prices for a Cadillac Escalade EXT in California can be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to get price quotes for a Cadillac and obtain the best price possible either online or from Irvine insurance agents.
Companies offering Cadillac Escalade EXT insurance in Irvine
The following companies provide price comparisons in California. To get cheap auto insurance in Irvine, CA, it’s highly recommended you visit two to three different companies to find the most affordable auto insurance rates.
Detailed insurance information
The premium table below highlights estimates of insurance coverage prices for Cadillac Escalade EXT models. Having a good grasp of how insurance quotes are formulated can assist in making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade EXT 4WD | $246 | $460 | $416 | $24 | $124 | $1,270 | $106 |
| Escalade EXT Luxury Edition 4WD | $246 | $460 | $416 | $24 | $124 | $1,270 | $106 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in Irvine location which can influence price quotes greatly.
Should you raise deductibles?
One of the most common car insurance questions is what deductibles to buy. The figures shown below can help illustrate the costs and benefits of buying low and high insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade EXT 4WD | $576 | $1054 | $442 | $26 | $132 | $2,255 | $188 |
| Escalade EXT Luxury Edition 4WD | $576 | $1054 | $442 | $26 | $132 | $2,255 | $188 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in specific garaging location which can lower or raise coverage rates substantially.
Based on this data, using a $100 deductible will cost you approximately $65 more each month or $780 a year than opting for 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 normally average at least 14 months between claims, you would probably save some money going with the higher deductible.
The example below illustrates how your choice of deductibles and can change Cadillac Escalade EXT premium costs for each age group. The prices are based on a married female driver, full coverage, and no discounts are taken into consideration.
Irvine auto insurance discounts
Companies offering auto insurance don’t list the entire discount list in a way that’s easy to find, so the next list breaks down some of the more common and also the more inconspicuous discounts that may be available.
- Federal Employees – Active or former government employment could qualify for a slight premium decrease depending on your company.
- College Student – College-age children who are enrolled in a college that is more than 100 miles from Irvine and do not have a car may be able to be covered for less.
- Discount for Multiple Policies – If you combine your home and auto policies with the same insurance company you could get a discount of as much as 10 to 15 percent.
- Sign Early and Save – A few companies offer discounts for signing up prior to your current Escalade EXT insurance policy expiring. The savings is around 10%.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts can save a little on the medical payments or PIP coverage costs.
- Senior Citizen Discount – Drivers that qualify as senior citizens may qualify for better auto insurance rates.
- Military Deployment Discount – Having a family member in the military could qualify you for better auto insurance rates.
- Discounts for Multiple Vehicles – Drivers who insure all your vehicles on a single policy can reduce the rates for all insured vehicles.
A little note about advertised discounts, many deductions do not apply to the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you can get free auto insurance, auto insurance companies aren’t that generous.
The chart below compares Cadillac Escalade EXT insurance costs with and without some available policy discounts. The information is based on a female driver, no claims or driving violations, California 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 homeowner, multi-policy, marriage, claim-free, multi-car, and safe-driver discounts applied.
Companies who may offer some of the discounts shown above possibly include:
Before you buy a policy, ask all the companies which credits you are entitled to. Depending on the company, some discounts may not be available in your state.
You are unique and your car insurance should be too
Keep in mind that when it comes to choosing coverage online or from an agent, there isn’t really a one-size-fits-all type of policy. Your situation is unique so your insurance should reflect that For instance, these questions may help highlight if you might need professional guidance.
- When should I have rental car coverage?
- Does my policy cover me if I wreck while driving under the influence?
- When does my teenage driver need to be added to my policy?
- Can my babysitter drive my car?
- Does low annual mileage earn a discount?
- Is rental equipment covered for theft or damage?
- Am I covered if hit by an uninsured driver?
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.
Exclusive and independent car insurance agents
A lot of people just prefer to talk to an insurance agent and that is a personal choice. Good insurance agents can help you build your policy and will help you if you have claims. One of the great benefits of getting free rate quotes online is that you can obtain cheap insurance rates and still have an agent to talk to.
For easy comparison, once you complete this short form, the quote information is submitted to participating agents in Irvine that provide free Irvine auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent immediately to you. If for some reason you want to get a comparison quote from a specific insurance provider, you would need to find their quoting web page and complete a quote there.
Choosing an insurance company needs to be determined by more than just the premium amount. These are some questions your agent should answer.
- What is the financial rating for the quoted company?
- Will the agent or a CSR service your policy?
- Does the agent recommend any additional coverage?
- Does the company allow you to choose your own collision repair facility?
- How long has their agency been in business in Irvine?
- Do they get paid more for recommending certain coverages?
- Do they offer claims assistance after hours?
- Will they take your side in the event of a claim?
Pick the best auto insurance agent in Irvine for you
If you would like to find local Irvine agents, it helps to know the two different types of agents to choose from. Insurance agencies in Irvine can be described as either independent or exclusive. Both types of agents can write policy coverage, but it’s a good idea to understand the difference in the companies they write for because it can impact your agent selection.
Exclusive Insurance Agencies
Agents of this type can only write with one company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide prices from multiple companies so you need to shop around if the rates are high. These agents receive extensive training on what they offer which helps them sell insurance even at higher premiums. Some people will only choose to use a exclusive agent primarily because of the prominent brand name and solid financial strength.
Listed below is a list of exclusive agents in Irvine that are able to give comparison quotes.
- John Luithly – State Farm Insurance Agent
16277 Laguna Canyon Rd F – Irvine, CA 92618 – (949) 727-4442 – View Map - Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 – View Map - Farmers Insurance
4000 Barranca Pkwy # 250 – Irvine, CA 92604 – (949) 262-3238 – View Map
Independent Insurance Agents
Independent agents do not have single company limitations so they have the ability to put coverage through many different insurance companies and find the cheapest insurance rates. If they find a cheaper price, the business is moved internally and you can keep the same agent. If you are comparing insurance prices, we recommend you compare prices from a couple of independent agencies in order to have the best price comparison. They also have the ability to place coverage with companies you’ve never heard of that many times have cheaper rates.
Listed below is a short list of independent insurance agencies in Irvine who can help you get rate quotes.
- First American Property and Casualty Insurance Agency, Inc.
24 Executive Park Suite 250 – Irvine, CA 92614 – (888) 546-5118 – View Map - Church and Casualty Insurance
3440 Irvine Ave # 150 – Newport Beach, CA 92660 – (949) 852-8558 – View Map - California Agency Insurance
17632 Irvine Blvd # 235 – Tustin, CA 92780 – (714) 731-8300 – View Map
California car insurance companies
Insuring your vehicle with a good quality insurance company can be challenging considering how many different companies insure vehicles in Irvine. The information shown next can help you select which insurers you want to consider comparing rates from.
Top 10 Irvine Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Irvine Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Quote more and you will save more
We just showed you many ways to save on Cadillac Escalade EXT insurance in Irvine. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable Irvine auto insurance quotes. Consumers may even find the best car insurance rates are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.
As you restructure your insurance plan, do not buy poor coverage just to save money. There have been many cases where drivers have reduced collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at the best possible price, not the least amount of coverage.
How to buy cheaper Cadillac Escalade EXT insurance in Irvine
Really, the only way to save money on car insurance rates in Irvine is to start comparing prices yearly from different companies that insure vehicles in California.
- Get a basic knowledge of how your policy works and the things you can change to drop your rates. Many things that are responsible for high rates like traffic citations, accidents, and a substandard credit history can be controlled by making small lifestyle or driving habit changes.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide prices from many different companies. View rates
- Compare the new rate quotes to your current policy premium to see if a cheaper rate is available. If you can save some money and buy the policy, make sure there is no coverage gap between policies.
- Provide notification to your current agent or company of your intent to cancel your current coverage and submit payment and a signed application for the new policy. Once the paperwork is finalized, safely store the proof of insurance certificate along with the vehicle’s registration papers.
A valuable tip to remember is that you use identical coverages on every quote and and to get quotes from as many auto insurance providers as possible. This helps ensure a fair price comparison and plenty of rates choose from.
Much more information about insurance in California can be found on the following sites:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- What Car Insurance is Cheapest for College Graduates in Irvine? (FAQ)
- How Much is Auto Insurance for High Risk Drivers in Irvine? (FAQ)
- How Much are Car Insurance Quotes for Active Military in Irvine? (FAQ)
- Who Has Affordable Irvine Car Insurance Quotes for Drivers Under 21? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Choosing a Car for Your Teen (State Farm)