How to Save on Cadillac Escalade ESV Insurance in Pittsburgh

Has it been a year or more since you last compared quotes for low-cost Cadillac Escalade ESV insurance in Pittsburgh? Locating the most affordable Pittsburgh Cadillac Escalade ESV insurance quotes is somewhat difficult for drivers who are new to comparing rates and buying insurance on the internet. Because there are so many insurers available, how are drivers expected to efficiently compare every one to find the best price?

How to save money on Cadillac Escalade ESV insurance in Pittsburgh

The easiest way to get more affordable Cadillac Escalade ESV insurance is to regularly compare prices from different companies that insure vehicles in Pittsburgh. Drivers can shop around by completing these steps.

• First, take a few minutes and learn about how companies price auto insurance and the changes you can make to drop your rates. Many risk factors that cause high rates such as multiple speeding tickets and your credit history can be controlled by being financially responsible and driving safely. This article provides tips to prevent rate hikes and find available discounts that you may qualify for.
• Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can provide price quotes from multiple insurance companies.
• Third, compare the price quotes to your existing rates and see if you can save money. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The key thing to know about shopping around is that you’ll want to make sure you compare the same deductibles and limits on each quote and and to look at as many companies as feasibly possible. Doing this ensures an apples-to-apples comparison and the most accurate and complete price analysis.

It’s astonishing, but 70% of consumers kept buying from the same company for well over three years, and about 40% of consumers have never taken the time to shop around. Pittsburgh insurance shoppers could save approximately 55% each year by just comparing rate quotes, but they think it’s difficult to find cheaper insurance rates.

If you are insured now, you will be able to get lower rates using these methods. This article’s intent is to familiarize you with how auto insurance companies operate and how to save the most money. Nevertheless, Pennsylvania vehicle owners should learn how big insurance companies price online insurance because it varies considerably.

Cheapest Cadillac insurance prices in Pittsburgh

The following companies are ready to provide price quotes in Pittsburgh, PA. If multiple companies are listed, it’s a good idea that you visit several of them in order to get a fair rate comparison.

Insurance rate breakdown

The rate table displayed next covers estimates of coverage prices for Cadillac Escalade ESV models. Learning more about how insurance premiums are figured is important for you to make decisions when shopping your coverage around.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price information does not factor in your specific Pittsburgh location which can decrease or increase coverage prices significantly.

Raise deductibles and save

One of the most common car insurance questions is how low should you set your deductibles. The figures shown below outline the differences in price when you buy lower versus higher deductibles. The first data set uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price estimates do not factor in specific Pittsburgh garaging location which can alter premiums substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $33 more each month or $396 for a full year than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 23 months between claim filings, you would probably be better off if you opt for a higher deductible.

Rate increases following a ticket or accident

The information below shows how violations and accidents increase Cadillac Escalade ESV auto insurance costs for different age groups. The data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Does full coverage make sense?

The diagram below illustrates the comparison of Cadillac Escalade ESV insurance premiums when comparing full coverage to liability only. The information is based on no claims or driving citations, $500 deductibles, drivers are single, and no additional discounts are factored in.

When to buy liability coverage only

There is no definitive guideline to exclude comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s say your Cadillac Escalade ESV replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If it’s costing you more than $600 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are some situations where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Educated Choices Result in Lower Insurance Prices

Part of the insurance buying process is learning a few of the rating criteria that help determine your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that could help you find lower insurance prices. Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving history, but some are more transparent like your vehicle usage or your vehicle rating.

• Low mileage costs less – The higher the miles on your Cadillac in a year the higher your rates will be. A lot of companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than those that get driven frequently. It’s always a good idea to double check that your vehicle rating is rated on the correct usage for each vehicle, because improper ratings can cost you money. Incorrect rating for your Escalade ESV can result in significantly higher rates.
• Lower physical damage deductibles cost more – Comprehensive and collision coverage deductibles are the amount of money you are willing to pay out-of-pocket before your insurance pays a claim. Coverage for physical damage, aka comp and collision, is used to repair damage to your car. Examples of some claims that would be covered would be a windshield broken by a bird, animal collisions, and damage caused by road hazards. The higher the amount you have to pay, the bigger discount you will receive.
• Location can influence price – Having an address in smaller towns and rural areas of the country can save you money when insuring your vehicles. Fewer drivers means less chance of accidents and lower theft and vandalism rates. Drivers in populated Pennsylvania areas regularly have more aggressive driving styles and more time behind the wheel. The longer drive time can result in more accidents.
• Always have insurance – Letting your insurance expire will be a quick way to trigger a rate increase. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Pennsylvania department of motor vehicles.

• Are females or males drivers cheaper? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. They both tend to get into auto accidents in similar percentages, but the men have accidents that have higher claims. Men also get cited for more serious violations such as DWI and reckless driving. Young males generally have the highest accident percentage so it costs more to insure them.

  The information below compares Cadillac Escalade ESV annual premium costs for male and female drivers. The prices are based on no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.

• Cadillac Escalade ESV historical loss data – Insurers factor in insurance loss information to help calculate premium rates. Vehicles that the data determines to have increased claim numbers or amounts will have increased rates. The table below illustrates the historical insurance loss data for Cadillac Escalade ESV vehicles.

  For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Percentages below 100 represent a good loss history, while percentage values above 100 show a trend for more claims or a tendency for claims to be larger.

  
  

  Cadillac Escalade ESV Insurance Claim Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Cadillac Escalade ESV 4dr 2WD	124
  Cadillac Escalade ESV 4dr 4WD	123	106	155

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

These discounts can lower your auto insurance rates

Auto insurance is neither fun to buy or cheap, but there may be some discounts that many people don’t even know exist. Certain discounts will be applied when you complete an application, but some may not be applied and must be specifically requested prior to getting the savings.

• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course in school.
• Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
• Senior Citizens – Mature drivers may receive a small discount on rates.
• Active Military Service – Having an actively deployed family member could qualify you for better premium rates.
• Bundle and Save – If you have multiple policies and insure them with the same company you could earn a discount of up to 20% and get you the cheapest Cadillac Escalade ESV insurance in Pittsburgh.
• Low Mileage – Maintaining low annual mileage can earn substantially lower premium rates.
• Multi-car Discount – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
• Student Discounts – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
• Seat Belt Discounts – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
• New Car Discount – Buying auto insurance coverage on a new vehicle is cheaper since new vehicles are generally safer.

We need to note that most discounts do not apply to the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride.

The diagram below illustrates the difference between Cadillac Escalade ESV insurance prices with and without discounts. The costs are based on a male driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, claim-free, multi-policy, and homeowner discounts applied.

Larger auto insurance companies and their offered discounts can be read below.

• Farmers Insurance includes discounts for early shopping, youthful driver, alternative fuel, business and professional, teen driver, good student, and homeowner.
• Esurance offers discounts including Switch & Save, multi-policy, claim free, online shopper, anti-theft, and safety device.
• State Farm may include discounts for student away at school, good driver, defensive driving training, passive restraint, and driver’s education.
• GEICO policyholders can earn discounts including good student, defensive driver, membership and employees, five-year accident-free, and military active duty.
• Allstate discounts include eSmart discount, premier plus, EZ pay plan discount, resident student, and multi-policy.

When getting a coverage quote, ask every company the best way to save money. Some credits may not be offered in Pittsburgh.

Car insurance agents can help

Many people still like to visit with an insurance agent and doing so can bring peace of mind One of the benefits of comparing rates online is that you can find cheap rate quotes and still choose a local agent.

After filling out this form (opens in new window), your coverage information is submitted to companies in Pittsburgh who will give you quotes for your business. There is no reason to search for an agent due to the fact that quote results will go to your email. It’s the lowest rates AND an agent nearby. If you want to compare rates from one company in particular, don’t hesitate to find their quoting web page and fill out their quote form.

Picking an company requires more thought than just the premium amount. Any agent in Pittsburgh should be willing to answer these questions.

• What discounts might you be missing?
• Do they carry Errors and Omissions coverage?
• Is there any savings for paying the full premium?
• By raising physical damage deductibles, how much would you save?
• Does the company use OEM repair parts?
• Is there a local claims center in Pittsburgh?
• Is coverage determined by price?

When searching for a local insurance agency, you need to know there are two types of agencies and how they can write your policy. Agents can either be independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agencies

These type of agents write business for a single company like Allstate, State Farm and Farmers Insurance. They usually cannot compare other company’s rates so they have no alternatives for high prices. These agents are very knowledgeable in insurance sales which can be an advantage. A lot of people purchase coverage from exclusives partially due to the brand and strong financial ratings.

Below are Pittsburgh exclusive agents that are able to give rate quotes.

• Steve Long – State Farm Insurance Agent
  2830 W Liberty Ave – Pittsburgh, PA 15216 – (412) 531-5600 – View Map
• Donna Fleming – State Farm Insurance Agent
  11203 Frankstown Rd – Pittsburgh, PA 15235 – (412) 242-5995 – View Map
• John Cosey – State Farm Insurance Agent
  5869 Forbes Ave – Pittsburgh, PA 15217 – (412) 521-7070 – View Map

View more Pittsburgh agents

Independent Agencies or Brokers

These agents can sell policies from many different companies and that gives them the ability to insure through many companies and find you cheaper rates. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent.

When searching for an agent, you absolutely need to compare quotes from a couple of independent agencies to have the best price comparison. Most independent agents also contract with companies you’ve never heard of which could offer lower prices.

Listed below is a list of independent agencies in Pittsburgh willing to provide price quote information.

• MADIA INSURANCE AGENCY INC
  9370 McKnight Rd #300A – Pittsburgh, PA 15237 – (412) 367-9200 – View Map
• Insurance Consultants Of Pittsburgh
  300 Mt Lebanon Blvd – Pittsburgh, PA 15234 – (412) 344-2800 – View Map
• Spodek Insurance Agency, Inc.
  4349 Murray Ave – Pittsburgh, PA 15217 – (412) 521-8600 – View Map

View more Pittsburgh agents

Insurance savings summarized

Cheaper Cadillac Escalade ESV insurance in Pittsburgh can be found both online and with local Pittsburgh insurance agents, and you need to price shop both to have the best selection. There are still a few companies who may not offer the ability to get quotes online and most of the time these smaller providers only sell coverage through independent agents.

When shopping online for insurance, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced liability coverage limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

People switch companies for any number of reasons including lack of trust in their agent, policy cancellation, high rates after DUI convictions and high prices. Regardless of your reason for switching companies, finding a new insurance company is not as difficult as it may seem.

Steps to saving money on Cadillac Escalade ESV insurance in Pittsburgh

If saving the most money is your goal, then the best way to get low-cost auto insurance rates in Pittsburgh is to compare quotes annually from different companies who can sell car insurance in Pennsylvania. Rates can be compared by following these guidelines.

1. Try to learn about how car insurance works and the modifications you can make to prevent expensive coverage. Many risk factors that result in higher rates like speeding and a negative credit rating can be improved by making minor changes in your lifestyle.
2. Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple insurance companies. View insurance agents
3. Compare the new rate quotes to your existing coverage and determine if there is any savings. If you can save some money and change companies, ensure there is no coverage lapse between policies.

A valuable tip to remember is to use identical coverages on each price quote and to quote with as many carriers as you can. Doing this provides an apples-to-apples comparison and and a good selection of different prices.

More information

• Insurance losses by make and model (Insurance Institute for Highway Safety)
• What Car Insurance is Cheapest for Inexperienced Drivers in Pittsburgh? (FAQ)
• State Car Insurance Guides (GEICO)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)