Cadillac Escalade Insurance Quotes in Houston

Discount Cadillac Escalade insuranceHow many times have you told yourself it's time to shop around for lower-priced car insurance rates in Houston, TX? Houston buyers have options when searching for affordable Cadillac Escalade insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to get rate quotes. There is a better way to buy car insurance so we're going to tell you the quickest way to quote coverages for a Cadillac and get the best price possible from Houston insurance agents and online providers.

Finding more affordable car insurance quotes can be quick and easy. The only requirement is to take a few minutes getting comparison quotes from different insurance companies.

The companies in the list below have been selected to offer quotes in Texas. If more than one company is shown, we recommend you compare several of them in order to find the lowest rates.

Cadillac Escalade Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $242 $478 $620 $36 $186 $1,562 $130
Escalade Luxury Edition 2WD $196 $360 $458 $28 $136 $1,178 $98
Escalade 4WD $326 $624 $576 $34 $172 $1,732 $144
Escalade Premium Edition 4WD $330 $500 $490 $30 $146 $1,496 $125
Escalade Luxury Edition 4WD $280 $450 $448 $26 $134 $1,338 $112
Escalade Premium Edition 2WD $344 $558 $448 $26 $134 $1,510 $126
Escalade Hybrid 2WD $452 $934 $444 $26 $132 $1,988 $166
Escalade Hybrid 4WD $214 $454 $414 $24 $124 $1,230 $103
Escalade Platinum Edition 2WD $402 $756 $642 $38 $192 $2,030 $169
Escalade Platinum Edition 4WD $446 $762 $476 $28 $142 $1,854 $155
Escalade Hybrid Platinum 2WD $416 $920 $486 $28 $146 $1,996 $166
Escalade Hybrid Platinum 4WD $484 $938 $430 $26 $128 $2,006 $167
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in specific location information which can revise prices substantially.

Can higher deductibles save money?

The information below shows how choosing a deductible and can change Cadillac Escalade insurance costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are factored in.

Cadillac Escalade liability-only versus full coverage

The diagram below visualizes the comparison of Cadillac Escalade auto insurance costs with and without physical damage coverage. The premiums are based on no claims, a clean driving record, $100 deductibles, single male driver, and no other discounts are factored in.

Should you be buying full coverage?

There is no clear-cut rule for excluding full coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let's say your Cadillac Escalade settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying the physical damage deductible. If it's costing you more than $500 annually for full coverage, then you may need to consider dropping full coverage.

There are some situations where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

An analysis of deductible level

A question often asked by Houston drivers is at what level do you set your deductibles. The rates shown below outline the costs and benefits when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Cadillac Escalade insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $408 $672 $476 $28 $142 $1,751 $146
Escalade Luxury Edition 2WD $408 $672 $476 $28 $142 $1,751 $146
Escalade 4WD $408 $672 $476 $28 $142 $1,751 $146
Escalade Premium Edition 4WD $446 $672 $476 $28 $142 $1,789 $149
Escalade Luxury Edition 4WD $446 $672 $476 $28 $142 $1,789 $149
Escalade Premium Edition 2WD $446 $672 $476 $28 $142 $1,789 $149
Escalade Hybrid 2WD $446 $850 $430 $26 $128 $1,905 $159
Escalade Hybrid 4WD $446 $850 $430 $26 $128 $1,905 $159
Escalade Platinum Edition 2WD $446 $762 $476 $28 $142 $1,879 $157
Escalade Platinum Edition 4WD $446 $762 $476 $28 $142 $1,879 $157
Escalade Hybrid Platinum 2WD $484 $938 $430 $26 $128 $2,031 $169
Escalade Hybrid Platinum 4WD $484 $938 $430 $26 $128 $2,031 $169
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Cadillac Escalade insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $332 $542 $476 $28 $142 $1,520 $127
Escalade Luxury Edition 2WD $332 $542 $476 $28 $142 $1,520 $127
Escalade 4WD $332 $542 $476 $28 $142 $1,520 $127
Escalade Premium Edition 4WD $362 $542 $476 $28 $142 $1,550 $129
Escalade Luxury Edition 4WD $362 $542 $476 $28 $142 $1,550 $129
Escalade Premium Edition 2WD $362 $542 $476 $28 $142 $1,550 $129
Escalade Hybrid 2WD $362 $686 $430 $26 $128 $1,632 $136
Escalade Hybrid 4WD $362 $686 $430 $26 $128 $1,632 $136
Escalade Platinum Edition 2WD $362 $614 $476 $28 $142 $1,622 $135
Escalade Platinum Edition 4WD $362 $614 $476 $28 $142 $1,622 $135
Escalade Hybrid Platinum 2WD $394 $756 $430 $26 $128 $1,734 $145
Escalade Hybrid Platinum 4WD $394 $756 $430 $26 $128 $1,734 $145
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rates do not factor in specific location which can change coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $22 more each month or $264 annually than opting for the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 11 months between claims, you would most likely save money by selecting a higher deductible.

Cheaper rates on Cadillac Escalade insurance in Houston with these seven discounts

Car insurance companies don't always advertise all discounts in a way that's easy to find, so the following is a list of some of the more common in addition to some of the lesser obvious credits that may apply to you. If you check and find you aren't receiving every discount you qualify for, you could be saving more on your car insurance.Discount car insurance

You should keep in mind that many deductions do not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you're out of luck.

For a list of insurers with the best discounts in Houston, click here.

It may be expensive, but it's not optional

Despite the high insurance cost for a Cadillac Escalade in Houston, insurance is mandatory in Texas but it also protects more than you think.

The benefits of buying insurance are without a doubt worth the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is overpaying over $850 per year so we recommend shopping around at least once a year to ensure rates are competitive.

Insurance is unique, just like you

When choosing the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone's needs are different.Insurance savings

Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and you can get the answers you need.

Compare prices but buy from a local neighborhood Houston car insurance agent

Certain consumers would rather buy from a local agent and that is a personal choice. Professional agents will help you protect your assets and help you file claims. One of the great benefits of getting online price quotes is you can get cheap rate quotes and still buy from a local agent.

Insurance agency in HoustonOnce you complete this short form, your insurance coverage information is instantly submitted to insurance agents in Houston who will give competitive quotes for your insurance coverage. You never need to search for an agent because quoted prices will be sent to you instantly. If you want to quote rates from a specific auto insurance provider, feel free to navigate to their website and fill out their quote form.

Finding a good insurer should depend on more than just the quoted price. Here are some questions you might want to ask.

Types of auto insurance agents in Houston

If you want a local Houston insurance agent, you should know the types of agencies and how they function. Agents are categorized either independent agents or exclusive agents. Both types can do a good job, but it is a good idea to know the difference between them since it may influence which type of agent you select.

Exclusive Insurance Agencies

Agents of this type have only one company to place business with and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide prices from multiple companies so always compare other rates. These agents are usually quite knowledgeable on what they offer which helps offset the inability to provide other markets. Some consumers prefer to use the same agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.

Listed below is a list of exclusive agencies in Houston willing to provide price quotes.

More Houston agents

Independent Agents

Agents that choose to be independent are not restricted to one company so they can insure your vehicles with an assortment of companies and find you cheaper rates. If your agent finds better pricing, they simply switch companies in-house and you don't have to switch agencies.

When comparing rate quotes, you will definitely want to get quotes from several independent insurance agents to get the most accurate price comparison. A lot of them also have access to small mutual carriers which can be an advantage.

Below are Houston independent agents who can help you get rate quotes.

More Houston agents

After you get good feedback for all questions you ask and a good coverage price, chances are good that you have found an auto insurance agent that is professional and can insure your vehicles.

Parts of your auto insurance policy

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for ambulance fees, X-ray expenses, prosthetic devices, pain medications and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists are uninsured or don't have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Cadillac Escalade.

Since many Texas drivers only carry the minimum required liability limits (30/60/25), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, hitting a bird and hitting a deer. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Collision coverage

This covers damage to your Escalade resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Escalade to bring the cost down.

Liability auto insurance

This can cover injuries or damage you cause to other people or property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 30/60/25 which stand for a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as pain and suffering, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but it's recommended drivers buy more liability than the minimum.