Compare Cadillac Escalade EXT Insurance Quotes in Chandler

Feeling guilty for buying an expensive auto insurance policy? Trust us when we tell you there are many Chandler consumers feeling the pinch from expensive auto insurance.

Insurance rates Cadillac Escalade EXT in ChandlerAstonishing but true, a large majority of drivers kept their coverage with the same auto insurance company for more than four years, and approximately 40% of consumers have never compared rate quotes at all. With the average auto insurance premium being $1,600, Chandler drivers could save an average of approximately $730 each year just by getting comparison quotes, but they don’t invest the time required to find cheap insurance by shopping around.

Steps to buying lower priced Cadillac Escalade EXT insurance in Chandler

The recommended way to get the cheapest Cadillac Escalade EXT insurance is to compare quotes annually from different companies who sell insurance in Chandler.

  1. Get an understanding of how insurance works and the factors you can control to prevent high rates. Many rating criteria that result in higher rates like at-fault accidents and a low credit rating can be amended by making small lifestyle or driving habit changes.
  2. Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can quote rates from multiple sources. View rates
  3. Compare the quotes to the premium of your current policy to see if cheaper Escalade EXT coverage is available. If you can save money, verify that coverage does not lapse between policies.
  4. Provide adequate notice to your current company to cancel your existing policy. Submit any necessary down payment along with the completed application for the new policy. Be sure to safely store the proof of insurance paperwork with the vehicle registration.

The key thing to know about shopping around is to compare the same amount of coverage on each price quote and and to get rates from as many companies as possible. This enables an accurate price comparison and the best price selection.

Many insurers compete for your business, so it’s not easy to compare every company to discover the definitive lowest price on Cadillac Escalade EXT insurance in Chandler.

Just remember that comparing a large number of companies will enable you to find more affordable rates.

The car insurance companies shown below have been selected to offer free rate quotes in Chandler, AZ. If multiple companies are listed, we suggest you click on several of them in order to find the most competitive rates.

Rate information and statistics

The premium information displayed below highlights different insurance premium costs for Cadillac Escalade EXT models. Being able to understand how policy rates are figured helps drivers make informed coverage decisions.

Cadillac Escalade EXT Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $446 $716 $392 $24 $118 $1,696 $141
Escalade EXT Luxury Edition 4WD $446 $716 $392 $24 $118 $1,696 $141
Get Your Own Custom Quote Go

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in specific garaging location which can lower or raise auto insurance rates considerably.

Physical damage deductible comparison

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The following tables sum up the rate fluctuation when you select higher and lower coverage deductibles. The first rate comparisons uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Cadillac Escalade EXT insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $350 $600 $300 $18 $90 $1,383 $115
Escalade EXT Luxury Edition 4WD $350 $600 $300 $18 $90 $1,383 $115
Get Your Own Custom Quote Go

Cadillac Escalade EXT insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $286 $484 $300 $18 $90 $1,178 $98
Escalade EXT Luxury Edition 4WD $286 $484 $300 $18 $90 $1,178 $98
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in vehicle location which can affect coverage prices considerably.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $17 more each month or $204 every year across all Cadillac Escalade EXT models than requesting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 15 months between claim filings, you would save more money if you decide on a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $115
Average monthly premium for $500 deductibles (subtract): – $98
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

The illustration below demonstrates how deductibles and can impact Cadillac Escalade EXT annual premium costs for each different age category. The prices are based on a married female driver, comp and collision included, and no policy discounts are applied.

Age-based auto insurance rates by gender

The chart below illustrates the difference between Cadillac Escalade EXT auto insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

How Insurance Providers Calculate Cadillac Escalade EXT Insurance Prices

Many things are used when you get a price on insurance. Most are fairly basic such as your driving history, but some are more obscure such as whether you are married or your vehicle rating.

Shown below are some of the most common factors auto insurance companies consider when setting prices.

Choosing vehicle insurance is an important decision

Despite the high insurance cost for a Cadillac Escalade EXT in Chandler, insurance serves an important purpose.

The benefits of insuring your Escalade EXT more than cancel out the cost, especially with large liability claims. But the average American driver is overpaying more than $750 every year so smart consumers compare quotes at every renewal to ensure rates are inline.

Best auto insurance company in Arizona

Insuring your vehicle with the highest-rated company can be difficult considering how many different companies insure vehicles in Chandler. The company information shown next could help you analyze which coverage providers to look at comparing rate quotes with.

Best Auto Insurance Companies in Arizona
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies