If price shopping Sacramento auto insurance quotes online is new to you, you may be confused because of the huge number insurance agents and companies who all claim to have the lowest rates for Cadillac Escalade insurance in Sacramento.
Surprisingly, a recent survey revealed that nearly 70% of drivers have bought insurance from the same company for well over three years, and approximately 38% of consumers have never even shopped around for cheap coverage. With the average insurance premium being $1,400, Sacramento drivers could save an average of up to $500 each year by just comparing quotes, but most just don’t grasp the rate savings if they swap their current policy for a cheaper one.
We hope to let you in on the best way to buy inexpensive auto insurance. If you already have coverage, you will most likely be able to find better prices using this information. Although California car owners must learn how companies determine prices.
Best Cadillac Escalade insurance rate quotes in California
The companies shown below can provide price comparisons in California. To locate cheap car insurance in Sacramento, we recommend you get rate quotes from several of them to get the best price comparison.
Cadillac Escalade detailed coverage information
The data table shown next highlights detailed analysis of insurance premium costs for Cadillac Escalade models. Understanding how insurance policy rates are calculated can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade 2WD | $330 | $616 | $580 | $34 | $174 | $1,734 | $145 |
| Escalade Luxury Edition 2WD | $330 | $616 | $580 | $34 | $174 | $1,734 | $145 |
| Escalade 4WD | $330 | $616 | $580 | $34 | $174 | $1,734 | $145 |
| Escalade Premium Edition 4WD | $362 | $616 | $580 | $34 | $174 | $1,766 | $147 |
| Escalade Luxury Edition 4WD | $362 | $616 | $580 | $34 | $174 | $1,766 | $147 |
| Escalade Premium Edition 2WD | $362 | $616 | $580 | $34 | $174 | $1,766 | $147 |
| Escalade Hybrid 2WD | $362 | $778 | $524 | $32 | $156 | $1,852 | $154 |
| Escalade Hybrid 4WD | $362 | $778 | $524 | $32 | $156 | $1,852 | $154 |
| Escalade Platinum Edition 2WD | $362 | $698 | $580 | $34 | $174 | $1,848 | $154 |
| Escalade Platinum Edition 4WD | $362 | $698 | $580 | $34 | $174 | $1,848 | $154 |
| Escalade Hybrid Platinum 2WD | $392 | $860 | $524 | $32 | $156 | $1,964 | $164 |
| Escalade Hybrid Platinum 4WD | $392 | $860 | $524 | $32 | $156 | $1,964 | $164 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in Sacramento location which can decrease or increase coverage prices noticeably.
Comparison of policy deductibles
When buying car insurance, a common question is how high should your deductibles be. The comparison tables below can help you understand how much more you’ll pay between low and high physical damage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade 2WD | $474 | $780 | $552 | $32 | $166 | $2,029 | $169 |
| Escalade Luxury Edition 2WD | $474 | $780 | $552 | $32 | $166 | $2,029 | $169 |
| Escalade 4WD | $474 | $780 | $552 | $32 | $166 | $2,029 | $169 |
| Escalade Premium Edition 4WD | $518 | $780 | $552 | $32 | $166 | $2,073 | $173 |
| Escalade Luxury Edition 4WD | $518 | $780 | $552 | $32 | $166 | $2,073 | $173 |
| Escalade Premium Edition 2WD | $518 | $780 | $552 | $32 | $166 | $2,073 | $173 |
| Escalade Hybrid 2WD | $518 | $986 | $500 | $30 | $150 | $2,209 | $184 |
| Escalade Hybrid 4WD | $518 | $986 | $500 | $30 | $150 | $2,209 | $184 |
| Escalade Platinum Edition 2WD | $518 | $882 | $552 | $32 | $166 | $2,175 | $181 |
| Escalade Platinum Edition 4WD | $518 | $882 | $552 | $32 | $166 | $2,175 | $181 |
| Escalade Hybrid Platinum 2WD | $562 | $1088 | $500 | $30 | $150 | $2,355 | $196 |
| Escalade Hybrid Platinum 4WD | $562 | $1088 | $500 | $30 | $150 | $2,355 | $196 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade 2WD | $384 | $630 | $552 | $32 | $166 | $1,764 | $147 |
| Escalade Luxury Edition 2WD | $384 | $630 | $552 | $32 | $166 | $1,764 | $147 |
| Escalade 4WD | $384 | $630 | $552 | $32 | $166 | $1,764 | $147 |
| Escalade Premium Edition 4WD | $420 | $630 | $552 | $32 | $166 | $1,800 | $150 |
| Escalade Luxury Edition 4WD | $420 | $630 | $552 | $32 | $166 | $1,800 | $150 |
| Escalade Premium Edition 2WD | $420 | $630 | $552 | $32 | $166 | $1,800 | $150 |
| Escalade Hybrid 2WD | $420 | $794 | $500 | $30 | $150 | $1,894 | $158 |
| Escalade Hybrid 4WD | $420 | $794 | $500 | $30 | $150 | $1,894 | $158 |
| Escalade Platinum Edition 2WD | $420 | $712 | $552 | $32 | $166 | $1,882 | $157 |
| Escalade Platinum Edition 4WD | $420 | $712 | $552 | $32 | $166 | $1,882 | $157 |
| Escalade Hybrid Platinum 2WD | $456 | $878 | $500 | $30 | $150 | $2,014 | $168 |
| Escalade Hybrid Platinum 4WD | $456 | $878 | $500 | $30 | $150 | $2,014 | $168 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in specific Sacramento garaging location which can change prices noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $24 more each month or $288 each year across all Cadillac Escalade models than selecting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 10 months between claim filings, you would come out ahead if you choose the higher deductible.
The illustration below illustrates how your choice of deductibles and can affect Cadillac Escalade insurance costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
Car insurance cost for men versus women
The diagram below shows the comparison of Cadillac Escalade insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
Full coverage versus liability only rates
The chart below shows the difference between Cadillac Escalade yearly insurance costs with and without physical damage coverage. The information is based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are factored in.
When to buy liability coverage only
There is no definitive guideline to delete full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage 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 say your Cadillac Escalade book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying more than $600 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are some situations where only buying liability is not a good idea. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not drop full coverage.
Discounts mean cheaper rates for Cadillac Escalade insurance in Sacramento
Car insurance is not cheap, but there’s a good chance there are discounts that many people don’t even know exist. Some of these discounts will be visible when you purchase, but some must be asked for before they will apply.
- Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- 55 and Retired – If you qualify as a senior citizen, you may receive a small discount on rates.
- Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
- Discount for Home Ownership – Owning your own home or condo may earn you a small savings due to the fact that maintaining a home requires a higher level of personal finance.
- Discount for Low Mileage – Low mileage vehicles can earn lower rates due to less chance of an accident.
- Passive Restraint Discount – Options like air bags and/or automatic seat belt systems could see savings up to 30%.
- College Student Discount – College-age children who live away from home at college and do not have a car can be insured at a reduced rate.
- Multiple Policy Discount – If you can combine your auto and home policy with the same company you may save approximately 10% to 15%.
- Early Signing – A few insurance companies allow discounts for buying a new policy before your current coverage expires. You could save around 10% when you buy Sacramento auto insurance online.
- Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles on the same car insurance policy can reduce rates for all insured vehicles.
You should keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.
The chart below compares Cadillac Escalade insurance rates with and without discounts applied. The data is based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, claim-free, safe-driver, and marriage discounts applied.
Popular car insurance companies and a selection of discounts are detailed below.
- The Hartford includes discounts for air bag, defensive driver, vehicle fuel type, driver training, anti-theft, bundle, and good student.
- American Family discounts include good driver, multi-vehicle, early bird, bundled insurance, and defensive driver.
- Progressive may offer discounts for online quote discount, good student, multi-policy, continuous coverage, multi-vehicle, and online signing.
- Travelers offers discounts including continuous insurance, new car, early quote, driver training, multi-car, and home ownership.
- Farmers Insurance offers premium reductions for pay in full, teen driver, business and professional, bundle discounts, and youthful driver.
- USAA may have discounts that include military installation, multi-vehicle, defensive driver, annual mileage, driver training, safe driver, and vehicle storage.
- Liberty Mutual may include discounts for good student, new vehicle discount, preferred payment discount, new move discount, and teen driver discount.
If you want cheaper Sacramento auto insurance quotes, ask each company which discounts can lower your rates. A few discounts might not be available to policyholders everywhere. If you would like to choose from a list of companies with the best Cadillac Escalade insurance discounts in California, follow this link.
How do Insurance Companies Determine Cadillac Escalade Insurance Costs?
Smart consumers have a good feel for a few of the rating criteria that aid in calculating the rates you pay for auto insurance. If you have a feel for what determines base rates, this enables you to make decisions that may result in cheaper rates.
- Theft deterrents systems cut premiums – Choosing a vehicle with a theft deterrent system can save you some money. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
- Liability insurance claims can be big – The liability section of your policy will afford coverage if ever you are ruled to be at fault for damages from an accident. It will provide for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
- Better auto insurance rates on cars with good safety ratings – Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and any reduction in injury severity translates directly to fewer claims and thus lower rates. If your Cadillac Escalade has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
- Little extras can really add up – Insurance companies have many extra coverages that can add up but may not be useful. Coverage for things like vanishing deductibles, better glass coverage, and motor club memberships may be wasting your money. The coverages may be enticing when talking to your agent, but your needs may have changed so consider taking them off your policy.
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Loss probability for a Cadillac Escalade – Insurers use past insurance losses when setting rates for each model. Vehicles that are shown to have increased claim numbers or amounts will have increased rates. The next table shows the actual insurance loss data for Cadillac Escalade vehicles.
For each policy coverage type, the statistical loss for all vehicles, as an average, is represented as 100. Values below 100 suggest losses that are better than average, while values that are 100 or greater point to more frequent losses or an increased probability of a larger loss.
Insurance Loss Ratings for Cadillac Escalade Vehicles Specific Cadillac Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Cadillac Escalade 4dr 2WD 156 122 Cadillac Escalade 4dr 4WD 132 99 119 55 Cadillac Escalade ESV 4dr 2WD 124 Cadillac Escalade ESV 4dr 4WD 123 106 155 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When should I discuss my situation with an agent?
Keep in mind that when it comes to choosing your policy for your personal vehicles, there really is no “best” method to buy coverage. You are unique.
For example, these questions might help in determining if your situation might need professional guidance.
- Is my nanny covered when driving my vehicle?
- Does car insurance cover theft of personal property?
- Is my Cadillac Escalade covered if I use it for business?
- Why are teen drivers so expensive to add on to my policy?
- What exactly is covered by my policy?
- Why do I have to buy liability insurance?
- Does my policy pay for OEM or aftermarket parts?
- Do I really need UM/UIM coverage?
- Does low annual mileage earn a discount?
If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.
Can’t I compare prices from local Sacramento auto insurance agents?
Many people just prefer to buy from a local agent and that can be a smart move A nice benefit of price shopping on the web is that drivers can save money and get the best rates and still choose a local agent. Buying insurance from local agencies is still important in Sacramento.
After filling out this form (opens in new window), your coverage information is instantly submitted to insurance agents in Sacramento who want to provide quotes and help you find cheaper coverage. You won’t even need to do any legwork because prices are sent instantly to you. You can most likely find cheaper rates AND an agent nearby. If you need to quote rates from a specific auto insurance provider, just search and find their rate quote page and complete a quote there.
Pick the best car insurance agent in Sacramento for you
If you are wanting to purchase auto insurance from a local Sacramento insurance agency, it helps to know the two different types of agents and how they can service your needs differently. Sacramento agents are considered either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agents (or Brokers)
Independent agencies can sell policies from many different companies so they can quote policies amongst many companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When comparing rates, we recommend you get some free quotes from independent agents in order to compare the most rates. Most can insure with companies you’ve never heard of which can be an advantage.
Featured below is a list of independent insurance agents in Sacramento that may be able to provide pricing information.
- Pan American Underwriters
1610 Arden Way # 121 – Sacramento, CA 95815 – (916) 286-5960 – View Map - Nationwide Insurance: Wellco Insurance Agency Inc
6905 Stockton Blvd Ste 230 – Sacramento, CA 95823 – (916) 399-8113 – View Map - Apna Insurance Agency
3022 Stockton Blvd #5 – Sacramento, CA 95820 – (916) 454-4495 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only write with one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agencies are trained well on their products and sales techniques which aids in selling service over price. Many people use the same exclusive agent primarily because of high brand loyalty and the convenience of having all coverages with one company.
Listed below is a short list of exclusive insurance agents in Sacramento who can help you get price quote information.
- Farmers Insurance – Wayne Wong
2015 Q St – Sacramento, CA 95811 – (916) 760-7858 – View Map - Wally Navarrette – State Farm Insurance Agent
4030 S Land Park Dr d – Sacramento, CA 95822 – (916) 454-5331 – View Map - Timothy Aust – State Farm Insurance Agent
2710 Arden Way – Sacramento, CA 95825 – (916) 482-5328 – View Map
Finding the right auto insurance agent should include more criteria than just a cheap price. Get answers to these questions too.
- Will the agent help in case of a claim?
- Is insurance their full-time profession?
- What is the agency’s Better Business Bureau rating?
- Is vehicle damage repaired with OEM or aftermarket parts?
- What are the financial ratings for the companies they represent?
- Will the agent or a CSR service your policy?
- Who is covered by the car insurance policy?
- Is auto insurance their primary focus in Sacramento?
Final considerations
While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where an insured dropped collision coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.
Some companies may not provide rates over the internet and most of the time these small, regional companies sell through independent agencies. Lower-priced insurance in Sacramento can be purchased online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from.
You just learned quite a bit of information on how to save on Cadillac Escalade insurance in Sacramento. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the best prices are with some of the smallest insurance companies.
How to buy lower priced Cadillac Escalade insurance in Sacramento
The easiest way to get low-cost Cadillac Escalade insurance is to annually compare prices from insurance carriers who provide car insurance in Sacramento.
- First, read and learn about what coverages are included in your policy and the steps you can take to keep rates low. Many risk factors that are responsible for high rates like speeding tickets, careless driving and a less-than-favorable credit history can be remedied by making minor changes to your lifestyle.
- Second, get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple insurance companies.
- Third, compare the new rate quotes to your current policy and determine if there is any savings. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
A tip to remember is to try to compare identical coverage information on every price quote and to quote with as many carriers as you can. This provides an apples-to-apples comparison and a good representation of prices.
More learning opportunities
- Teen Driving Statistics (iihs.org)
- Who Has Affordable Car Insurance Quotes for Drivers Under 25 in Sacramento? (FAQ)
- Who Has the Cheapest Auto Insurance for a Dodge Grand Caravan in Sacramento? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Tread Depth and Tire Safety (State Farm)
- Rental Car Insurance Tips (Insurance Information Institute)