Cadillac Escalade Insurance Quotes in Houston

How 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.

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.

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.

• Professional Organizations – Being in qualifying employment or professional organizations could earn you a nice discount on car insurance.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
• Discount for New Cars – Adding a new car to your policy can get you a discount due to better safety requirements for newer models.
• Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Early Switch Discount – Some car insurance companies reward drivers for buying a policy before your current Escalade insurance policy expires. It could save around 10% when you buy Houston auto insurance online.
• Multi-Vehicle Discounts – Having more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
• Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.

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.

• Just about all states have minimum liability requirements which means the state requires specific minimum amounts of liability insurance coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Cadillac with a loan, most banks will stipulate that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may have to buy a policy to insure your Cadillac at a more expensive rate and require you to reimburse them for the expensive policy.
• Insurance preserves your Cadillac and your assets. It will also provide coverage for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

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.

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

• Is my babysitter covered when using my vehicle?
• Are combined or split liability limits better?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How can I find cheaper teen driver insurance?
• Does medical payments coverage apply to all occupants?
• Is upholstery damage covered by car insurance?
• Am I getting all the discounts available?

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.

Once 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.

• Can glass repairs be made at your home?
• What is the financial rating for the quoted company?
• Can they provide you with a list of referrals?
• Is there any savings for paying the full premium?
• Is there a Errors and Omissions policy in force?
• Do they have any clout with companies to ensure a fair claim settlement?
• Does the agency provide any after hours assistance?

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.

• Linda Tuck – State Farm Insurance Agent
  2402 Bay Area Blvd g – Houston, TX 77058 – (281) 488-9050 – View Map
• Felicia Boudreaux – State Farm Insurance Agent
  14901 TX-249 #105 – Houston, TX 77086 – (713) 464-2077 – View Map
• Joy Knox State Farm Insurance Agency
  1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300 – View Map

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.

• TDECU INSURANCE AGENCY, LLC
  1235 N Loop W Fwy #1100 – Houston, TX 77008 – (979) 238-8283 – View Map
• Gem Insurance Agencies
  3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map
• Pasadena Insurance Agency, Inc.
  99 Detering St #280 – Houston, TX 77007 – (713) 869-6991 – View Map

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.