How to Save on Irvine Cadillac Escalade ESV Insurance

Insurance rates Cadillac Escalade ESV in IrvineSad but true, most drivers kept their coverage with the same auto insurance company for well over three years, and nearly 40% of drivers have never quoted rates to find cheaper coverage. California drivers could save themselves almost $470 a year by just comparing rate quotes, but they don’t know how much they could save if they moved their coverage to a different company.

If your goal is the lowest price, then the best way to find cheaper quotes for car insurance rates is to compare quotes annually from different companies that sell auto insurance in Irvine.

The most important part of shopping around is to try to compare similar coverage information on every quote and to quote with as many companies as you can. Doing this enables a fair price comparison and a complete rate analysis.

Best Cadillac Escalade ESV insurance prices in California

The companies in the list below can provide free rate quotes in Irvine, CA. To find cheap car insurance in Irvine, it’s highly recommended you visit as many as you can to get the best price comparison.

Cadillac Escalade ESV insurance charts and tables

The price information shown next outlines estimates of coverage costs for Cadillac Escalade ESV models. Having a good grasp of how rates are figured can be of help when making informed decisions when comparing rates.

Cadillac Escalade ESV Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $558 $912 $450 $26 $134 $2,080 $173
Escalade ESV 4WD $558 $912 $450 $26 $134 $2,080 $173
Escalade ESV Luxury Edition 2WD $558 $912 $450 $26 $134 $2,080 $173
Escalade ESV Premium Edition 2WD $558 $912 $450 $26 $134 $2,080 $173
Escalade ESV Luxury Edition 4WD $558 $912 $450 $26 $134 $2,080 $173
Escalade ESV Premium Edition 4WD $606 $1032 $450 $26 $134 $2,248 $187
Escalade ESV Platinum Edition 2WD $606 $1032 $450 $26 $134 $2,248 $187
Escalade ESV Platinum Edition 4WD $606 $1032 $450 $26 $134 $2,248 $187
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in garaging location in Irvine which can raise or lower price quotes substantially.

Bad driving habits will cost you more

The diagram below illustrates how violations and fender-benders raise Cadillac Escalade ESV auto insurance rates for each different age category. The rates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Companies offer many types of discounts on Cadillac Escalade ESV insurance in Irvine

Some insurers don’t necessarily list every possible discount very clearly, so the following is a list of some of the more common as well as the least known discounts that you may qualify for.

Don’t be shocked that some of the credits will not apply to the whole policy. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will lower the cost of your policy.

The diagram below shows the comparison of Cadillac Escalade ESV insurance costs with and without discounts applied. Data assumes a male driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

Some of the larger companies who may offer some of the discounts shown above include:

If you need lower rates, check with all companies you are considering which credits you are entitled to. Some discounts may not apply in Irvine. If you would like to choose from a list of insurers who offer discounts in California, click this link.

Auto insurance quotes from neighborhood Irvine auto insurance agents

Some people just prefer to buy from a licensed agent and that is a smart decision An additional benefit of comparing rate quotes online is that you can find the lowest rates but still work with a licensed agent.

Insurance agency in IrvineAfter completing this simple form, the quote information is submitted to participating agents in Irvine who will give you bids for your insurance coverage. There is no reason to even leave your home because prices are sent to you directly. It’s the lowest rates and a licensed agent to work with. If you have a need to compare prices from a specific insurance company, feel free to go to their quote page and fill out their quote form.

Finding the right provider needs to be determined by more than just the bottom line cost. These are some questions your agent should answer.

If you want a local Irvine insurance agency, it helps to know the two types of insurance agents that you can select. Irvine agents are considered either independent (non-exclusive) or exclusive.

Exclusive Insurance Agents

Agents that elect to be exclusive generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to give you multiple price quotes so they have no alternatives for high prices. They are usually well trained on their company’s products which helps offset the inability to provide other markets.

Shown below is a list of exclusive agents in Irvine that are able to give comparison quotes.

17802 Irvine Blvd a121Tustin, CA 92780(714) 544-2558View Map

3200 El Camino Real #110Irvine, CA 92602(949) 769-2600View Map

15333 Culver Dr #130Irvine, CA 92604(949) 552-3600View Map

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Independent Insurance Agents

These type of agents do not write with just one company so they can quote policies through many companies and find you the best rates. If your premiums go up, they simply move your policy to a different company which makes it simple for you. When comparing rate quotes, it’s recommended you compare prices from a couple of independent agencies so that you have a good selection of quotes to compare.

Listed below is a short list of independent agents in Irvine that can give you price quote information.

4952 Warner AveHuntington Beach, CA 92649(714) 846-4231View Map

16969 Von Karman Ave #100Irvine, CA 92606(949) 660-7061View Map

18201 Von Karman Ave # 510Irvine, CA 92612(949) 442-7662View Map

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Quote often and quote early

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped collision coverage only to regret at claim time that they should have had better coverage. The goal is to buy enough coverage at the best cost but still have enough coverage for asset protection.

We just presented some good ideas how to save on Cadillac Escalade ESV insurance in Irvine. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the lowest prices are with the smaller companies. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

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