The easiest way to find cheaper Cadillac Escalade insurance in Scottsdale is to start comparing rates regularly from providers in Arizona.
First, try to learn about how insurance companies determine prices and the changes you can make to prevent high rates. Many things that increase rates like at-fault accidents, speeding tickets, and a not-so-good credit history can be controlled by paying attention to minor details.
Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources.
Third, compare the new quotes to your existing coverage and see if you can save money. If you find a lower rate quote and switch companies, make sure coverage does not lapse between policies.
The most important part of this process is to try to compare the same amount of coverage on every price quote and and to get prices from every insurance company. Doing this helps ensure a fair rate comparison and plenty of rates choose from.
It’s hard to fathom, but over 70% of consumers kept buying from the same company for at least the last four years, and nearly half have never compared rates with other companies. Scottsdale insurance shoppers can cut their rates by roughly 50% a year, but they just don’t understand the amount of savings they would get if they switched to a cheaper policy.
Locating the most cost-effective insurance policy in Scottsdale is easy if you know what you’re doing. Practically every vehicle owner who comparison shops for insurance will more than likely find a lower-cost policy. Although Arizona vehicle owners need to learn the way companies charge you for coverage and use it to find better rates.
Verify you’re earning every discount
Some companies do not advertise every discount they offer very clearly, so we researched both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy Scottsdale auto insurance online.
- Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
- Driver Safety – Passing a defensive driving class could earn you a small percentage discount and make you a better driver.
- Scottsdale Homeowners Discount – Just owning your own home can save you money due to the fact that maintaining a home is proof of financial responsibility.
- Good Driver Discount – Drivers who avoid accidents could pay up to 40% less than less cautious drivers.
- Professional Organizations – Joining a professional or civic organization is a simple method to lower premiums when shopping for auto insurance.
- Student in College – College-age children who are enrolled in a college that is more than 100 miles from Scottsdale and do not have a car may be insured at a cheaper rate.
- Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt can save a little off PIP or medical payments premium.
- Life Insurance – Auto insurance companies who offer life insurance give a small discount if you purchase life insurance from them.
- Lower Rates for Military – Being deployed with a military unit can result in better auto insurance rates.
It’s important to note that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, companies don’t profit that way.
The example below illustrates the difference between Cadillac Escalade insurance premiums with and without policy discounts. The premiums are based on a male driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, marriage, multi-car, and homeowner discounts applied.
Insurance companies that may include most of the discounts above include:
Double check with every company the best way to save money. Savings might not apply in Scottsdale. For a list of companies with discount auto insurance rates in Scottsdale, follow this link.
Just remember that comparing more prices increases the chance that you will find more affordable insurance. Not every company provides Scottsdale Escalade insurance quotes over the internet, so you need to compare rates from the smaller companies as well.
The car insurance companies shown below provide price quotes in Scottsdale, AZ. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.
Rates and information analytics
The premium table shown below covers estimates of coverage costs for Cadillac Escalade models. Being able to understand how auto insurance policy rates are formulated can help you make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade 2WD | $170 | $344 | $424 | $26 | $126 | $1,090 | $91 |
| Escalade Luxury Edition 2WD | $170 | $344 | $424 | $26 | $126 | $1,090 | $91 |
| Escalade 4WD | $170 | $344 | $424 | $26 | $126 | $1,090 | $91 |
| Escalade Premium Edition 4WD | $186 | $344 | $424 | $26 | $126 | $1,106 | $92 |
| Escalade Luxury Edition 4WD | $186 | $344 | $424 | $26 | $126 | $1,106 | $92 |
| Escalade Premium Edition 2WD | $186 | $344 | $424 | $26 | $126 | $1,106 | $92 |
| Escalade Hybrid 2WD | $186 | $434 | $382 | $22 | $114 | $1,138 | $95 |
| Escalade Hybrid 4WD | $186 | $434 | $382 | $22 | $114 | $1,138 | $95 |
| Escalade Platinum Edition 2WD | $186 | $388 | $424 | $26 | $126 | $1,150 | $96 |
| Escalade Platinum Edition 4WD | $186 | $388 | $424 | $26 | $126 | $1,150 | $96 |
| Escalade Hybrid Platinum 2WD | $202 | $478 | $382 | $22 | $114 | $1,198 | $100 |
| Escalade Hybrid Platinum 4WD | $202 | $478 | $382 | $22 | $114 | $1,198 | $100 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can impact price quotes significantly.
Full coverage or liability only
The illustration below shows the comparison of Cadillac Escalade insurance premiums with liability coverage only compared to full coverage. Data assumes no claims, a clean driving record, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
When to stop paying for full coverage
There is no exact rule of when to exclude comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s pretend your Cadillac Escalade claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after the policy deductible has been paid. If you are currently paying more than $500 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some cases where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Your insurance coverage should be tailored to you
Keep in mind that when it comes to choosing a policy, there is no best way to insure your cars. Your needs are unique to you and your insurance should be unique as well.
For example, these questions could help you determine whether your personal situation might need professional guidance.
- Who sells insurance for high-risk drivers?
- Is my custom paint covered by insurance?
- Do I get a pro-rated refund if I cancel my policy early?
- Should I drop comprehensive coverage on older vehicles?
- Is my son or daughter covered when driving my car?
- Is my Cadillac Escalade covered for flood damage?
- Do I need more liability coverage?
- Where can I find DUI or SR-22 insurance?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Buying from insurance agencies
A lot of people still like to talk to an insurance agent and doing so can bring peace of mind One of the best bonuses of comparing rate quotes online is the fact that drivers can get cheap insurance rates and also buy local.
Upon completion of this quick form, your coverage information gets sent to local insurance agents in Scottsdale who will give competitive quotes and help you find cheaper coverage. You won’t even need to leave your computer since price quotes are sent to you. You can most likely find cheaper rates and a licensed agent to talk to. If you want to quote rates from one company in particular, just search and find their rate quote page and fill out the quote form the provide.
Selecting an company needs to be determined by more than just the bottom line cost. These questions are important to ask:
- What insurance companies do they work with in Scottsdale?
- What insurance company do they write the most business with?
- Are there any extra charges for paying monthly?
- Are they involved in claim handling?
- Will they take your side in the event of a claim?
- Is there a Errors and Omissions policy in force?
- How are they compensated?
When researching a local Scottsdale insurance agent, it helps to know the two types of agencies and how they can write your policy. Insurance agents can either be independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
These agents are contracted to one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to give you multiple price quotes so you might not find the best rates. Exclusive insurance agents are well schooled on their products and sales techniques which helps offset the inability to provide other markets. Drivers often purchase coverage from exclusives primarily because of loyalty to the company and solid financial strength.
The following are Scottsdale exclusive insurance agencies that can give you price quotes.
- Allstate Insurance: Schubert Insurance and Financial Svcs
20731 N Scottsdale Rd – Scottsdale, AZ 85255 – (480) 515-6259 – View Map - Ric Newman – State Farm Insurance Agent
10401 E McDowell Mountain Ranch Rd #110 – Scottsdale, AZ 85255 – (480) 860-2121 – View Map - American Family Insurance – Rebecca Navarre Agency Inc.
8096 N 85th Way d101 – Scottsdale, AZ 85258 – (480) 905-0102 – View Map
Independent Insurance Agents
Independent agencies do not write with just one company so they can insure your vehicles with a variety of different insurance companies and get you the best rates possible. If you want to switch companies, they simply move your policy to a different company without you having to go to a different agency. If you need lower rates, it’s recommended you contact several independent insurance agents to have the best price comparison. They also have the ability to place coverage with small regional insurance companies which could offer lower prices.
Listed below is a short list of independent insurance agencies in Scottsdale willing to provide price quote information.
- Citywide Insurance
13802 N Scottsdale Rd #106 – Scottsdale, AZ 85254 – (480) 607-7537 – View Map - Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150 – View Map - Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
Compare. Compare. Compare.
When shopping online for insurance, do not reduce needed coverages to save money. There are many occasions where an insured cut uninsured motorist or liability limits only to regret that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.
You just learned a lot of techniques to lower your Cadillac Escalade insurance car insurance rates in Scottsdale. It’s most important to understand that the more you quote Scottsdale auto insurance, the better likelihood of getting the cheapest Cadillac Escalade rate quotes. You may even discover the best price on insurance is with some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.
Some insurance providers do not offer the ability to get a quote online and many times these regional insurance providers provide coverage only through local independent agents. The cheapest Cadillac Escalade insurance in Scottsdale can be bought on the web and with local Scottsdale insurance agents, and you should compare rates from both to have the best rate selection.
More information can be found on the following sites:
- Uninsured Motorist Statistics (Insurance Information Institute)
- What Insurance is Cheapest for 4×4 Vehicles in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Auto Insurance for a Subaru Outback? (FAQ)
- Who Has Affordable Car Insurance for Drivers with Accidents in Scottsdale? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Airbag FAQ (iihs.org)
- Preventing Carjacking and Theft (Insurance Information Institute)