Compare Cadillac Escalade EXT Insurance Quotes in Charlotte

Discount Cadillac Escalade EXT insuranceDo you need a better way to compare more affordable insurance rates in Charlotte, NC? Charlotte buyers have options when searching for the best price on Cadillac Escalade EXT insurance. They can either spend hours driving around to compare prices or leverage the internet to find the lowest rates. There are more efficient ways to find insurance online so we’re going to tell you the absolute fastest way to compare rates for your Cadillac and get the lowest price from both online companies and Charlotte agents.

You should make it a habit to do price comparisons yearly because insurance prices go up and down regularly. Just because you found the best price on Cadillac Escalade EXT insurance in Charlotte last year you will most likely find a better rate quote today. You can find a lot of information about Escalade EXT insurance online, but I’m going to show you some excellent ideas to find cheap insurance in Charlotte.

If you are already insured or just want to reduce your rates, you can use this information to cut your premiums without reducing coverage. These techniques will let you in on how auto insurance companies operate and also save some money in the process Smart buyers only have to learn the proper way to compare prices instantly.

Finding Cadillac Escalade EXT insurance in Charlotte

The auto insurance companies shown below offer quotes in Charlotte, NC. If you wish to find cheap auto insurance in Charlotte, NC, we recommend you click on several of them to get the best price comparison.

Car insurance does more than just repair your car

Even though Charlotte Escalade EXT insurance rates can get expensive, buying car insurance is required for several reasons.

The benefits of buying enough insurance outweigh the cost, especially if you ever need it. An average driver in America is overpaying more than $800 each year so shop around at least once a year to ensure rates are inline.

Cadillac Escalade EXT coverage analysis

The premium table below highlights a range of policy rates for Cadillac Escalade EXT models. Having insight into how insurance prices are established can help drivers make informed coverage decisions.


Cadillac Escalade EXT Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $200 $384 $336 $20 $100 $1,040 $87
Escalade EXT Luxury Edition 4WD $200 $384 $336 $20 $100 $1,040 $87
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can increase or decrease premium rates considerably.

Higher deductibles lower rates

A question often asked by Charlotte drivers is how high should your deductibles be. The rates below approximate the differences in premium rates when you select higher and lower comp and collision deductibles. The first rate estimation uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.


Cadillac Escalade EXT insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $324 $594 $250 $14 $74 $1,281 $107
Escalade EXT Luxury Edition 4WD $324 $594 $250 $14 $74 $1,281 $107
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Cadillac Escalade EXT insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $236 $402 $250 $14 $74 $976 $81
Escalade EXT Luxury Edition 4WD $236 $402 $250 $14 $74 $976 $81
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in specific garaging location which can alter coverage rates greatly.

Based on these figures, using a $100 deductible will cost you about $26 more each month or $312 a year than choosing the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 15 months between claims, you would come out ahead if you decide on a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $100 deductibles: $107
Average monthly premium for $500 deductibles (subtract): – $81
Monthly savings from raising deductible: $26
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important issue to know is that increasing deductibles to lower your rates means you pay more out-of-pocket when you do file a claim. That will force you to have some non-essential savings in order to pay the deductible for vehicle repair.

Insurance rates by age and gender in Charlotte

The information below visualizes the comparison of Cadillac Escalade EXT car insurance costs for male and female drivers. The rates are based on no accidents or driving violations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

Charlotte car insurance discounts

Some insurance providers don’t necessarily list every possible discount very clearly, so the next list breaks down some of the more common in addition to some of the lesser obvious discounts that may be available.Save money with discounts

A little disclaimer on discounts, most discount credits are not given to the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, that’s just not realistic.

The chart below illustrates the comparison of Cadillac Escalade EXT premium costs with and without discounts applied to the rates. The costs are based on a male driver, no tickets, no at-fault accidents, North Carolina 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 homeowner, claim-free, safe-driver, multi-car, multi-policy, and marriage discounts applied.

Some of the larger companies that may offer quotes with most of these discounts include:

When comparing rates, check with each company which discounts you qualify for. Some discounts listed above may not apply to policyholders in Charlotte.

Do I need special coverages?

When it comes to your policy for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.Higher deductibles save money

Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.