How to Compare Boston Cadillac Escalade EXT Insurance

Unfortunately, over 70% of drivers have stayed with the same insurance company for at least four years, and almost half have never shopped around. Many consumers in Boston could pocket nearly $588 a year by just comparing quotes, but they don’t believe the large savings they would see if they bought a different policy.

Discount Cadillac Escalade EXT insuranceThe recommended way to quote cheaper car insurance rates in Boston is to start comparing prices regularly from companies in Massachusetts.

One key aspect of rate comparisons is to try to compare identical deductibles and limits on every price quote and and to get rate quotes from every insurance company. This guarantees an apples-to-apples comparison and plenty of rates choose from.

Locating the most cost-effective insurance policy in Boston can be made easier if you know where to look. If you are insured now, you should be able to lower your rates using the concepts covered in this article. But Massachusetts vehicle owners must know the way companies set your policy premium because rates are impacted by many factors.

Best companies for Cadillac Escalade EXT insurance

The companies shown below offer price comparisons in Massachusetts. To get the best car insurance in Boston, MA, it’s a good idea that you visit as many as you can to get a more complete price comparison.

Cadillac Escalade EXT coverage statistics

The coverage information shown below covers different policy rates for Cadillac Escalade EXT models. Understanding more about how insurance prices are determined is important for making smart choices when buying a car insurance policy.

Cadillac Escalade EXT Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $374 $822 $378 $22 $114 $1,710 $143
Escalade EXT Luxury Edition 4WD $374 $822 $378 $22 $114 $1,710 $143
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Information does not factor in garaging location in Boston which can influence coverage rates greatly.

Comparison of policy deductibles

When buying auto insurance, a common question is what deductibles to buy. The rates below help summarize the price difference between low and high comp and collision deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Cadillac Escalade EXT insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $392 $668 $334 $20 $100 $1,539 $128
Escalade EXT Luxury Edition 4WD $392 $668 $334 $20 $100 $1,539 $128
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Cadillac Escalade EXT insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $242 $420 $334 $20 $100 $1,116 $93
Escalade EXT Luxury Edition 4WD $242 $420 $334 $20 $100 $1,116 $93
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in your specific Boston location which can raise or lower prices significantly.

We can derive from the above data that using a $250 deductible costs an average of $35 more each month or $420 every year than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claims, you would save money if you decide on a higher deductible.

Should you buy full coverage?

The information below shows the comparison of Cadillac Escalade EXT insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims or driving citations, $1,000 deductibles, marital status is single, and no discounts are applied.

When to drop comprehensive and collision

There is no clear-cut formula to stop buying full coverage on your policy, but there is a general convention. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s assume your Cadillac Escalade EXT replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $5,000 after paying your policy deductible. If premiums are more than $500 annually to have full coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where only buying liability is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Cadillac Escalade EXT insurance discounts in Boston

Some companies don’t always list every policy discount in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious discounts that may be available.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you aren’t that lucky.

The illustration below visualizes the comparison of Cadillac Escalade EXT auto insurance costs with and without discounts applied. The premium estimates are based on a male driver, no claims or driving citations, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, safe-driver, and homeowner discounts applied.

If you would like to view insurance companies offering car insurance discounts in Boston, click here.

Everyone needs different car insurance coverages

When it comes to buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can help discover if you will benefit from professional help.

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Independent versus exclusive auto insurance agents

A lot of people just want to get professional advice from a licensed agent and that is OK! A good thing about getting online price quotes is that you can obtain cheaper car insurance rates but also keep your business local.

After filling out this quick form, your coverage information is transmitted to local insurance agents in Boston who will return price quotes for your business. It makes it easy because there is no need to search for an agent due to the fact that quote results will go to you instantly. You can find the lowest rates without a big time investment. If you wish to get a price quote from a specific company, you just need to visit that company’s website and submit a quote form there.

Choosing the best company shouldn’t rely on just a low price. Agents should be asked these questions:

Shown below is a short list of auto insurance companies in Boston that are able to give rate quotes for Cadillac Escalade EXT insurance in Boston.

7, 60 State StBoston, MA 02109(617) 523-2828View Map

125 High StBoston, MA 02110(617) 443-9300View Map

657 Gallivan BlvdBoston, MA 02124(617) 282-5659View Map

1148 Washington StBoston, MA 02118(617) 338-8168View Map

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Cover all your bases

Budget-friendly auto insurance in Boston can be found both online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. A few companies may not have the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agencies.

Drivers change insurance companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, policy cancellation and even denial of a claim. No matter why you want to switch, switching companies can be easy and end up saving you some money.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

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