Remarkably, a study showed that over 70% of consumers have purchased from the same company for four years or more, and nearly the majority have never compared rates from other carriers. With the average premium in the U.S. being $1,847, drivers could save roughly $850 each year, but they don’t want to take the time to find cheap insurance by shopping around.
The best way we recommend to get affordable Cadillac Escalade ESV insurance in Bakersfield is to compare prices regularly from different companies who provide car insurance in California.
- Spend some time learning about the different coverages in a policy and the things you can control to prevent high rates. Many rating criteria that cause rate increases like traffic tickets, fender benders, and a negative credit rating can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover tips to get cheaper coverage and find additional discounts you may qualify for.
- Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can provide prices for a wide range of companies.
- Compare the new rate quotes to the premium of your current policy to determine if you can save on Escalade ESV insurance in Bakersfield. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.
The key thing to remember is to make sure you enter the same physical damage deductibles and liability limits on every price quote and and to get rate quotes from every company you can. Doing this helps ensure the most accurate price comparison and maximum price selection.
Verify you’re applying every discount
Insuring your fleet can be pricey, but you might be missing out on some discounts to help offset the cost. Certain reductions will be credited when you complete an application, but a few need to be requested specifically before you will receive the discount.
- Sign Online – A few larger companies give back up to $50 shop Bakersfield auto insurance online.
- Seat Belts Save – Forcing all vehicle occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
- Multi-line Discount – If the company offers life insurance, you could get a lower price if you buy life insurance.
- Bundled Policy Discount – If you can bundle your homeowners and auto insurance with one company you will save up to 20% and get you inexpensive Cadillac Escalade ESV insurance in Bakersfield.
- Bakersfield Homeowners Discount – Being a homeowner may earn you a small savings because it is proof of financial responsibility.
- Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote Bakersfield auto insurance with select insurance companies.
Keep in mind that some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.
The information below compares Cadillac Escalade ESV car insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California 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 claim-free, marriage, multi-car, homeowner, multi-policy, and safe-driver discounts applied.
A few popular companies and the discounts they provide are outlined below.
- Progressive has savings for multi-vehicle, good student, homeowner, continuous coverage, multi-policy, and online signing.
- The Hartford offers discounts for vehicle fuel type, defensive driver, good student, air bag, bundle, and driver training.
- Mercury Insurance offers premium reductions for multi-car, anti-theft, accident-free, professional/association, age of vehicle, annual mileage, and location of vehicle.
- GEICO may have discounts that include military active duty, good student, anti-lock brakes, defensive driver, federal employee, and daytime running lights.
- AAA has discounts for AAA membership discount, good driver, pay-in-full, good student, multi-car, and multi-policy.
- State Farm offers discounts including passive restraint, defensive driving training, driver’s education, good student, and safe vehicle.
Before purchasing a policy, check with each insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply in Bakersfield. If you would like to choose from a list of insurance companies with discount insurance rates in California, click here to view.
The fastest way that we advise to get policy rate comparisons for Cadillac Escalade ESV insurance in Bakersfield takes advantage of the fact most insurance companies will pay a fee to provide you with a free rate quote. All consumers are required to do is give them rating details including what you do for a living, level of coverage desired, whether or not you need a SR-22, and if you lease or own. That information gets transmitted to insurance carriers in your area and they respond with quotes very quickly.
To compare affordable Cadillac Escalade ESV insurance rates now, click here then complete the form.
The auto insurance companies shown below provide free quotes in California. If multiple companies are listed, we suggest you visit several of them to get the most competitive price.
Cadillac Escalade ESV insurance rate analysis
The price information displayed below covers estimates of coverage costs for Cadillac Escalade ESV models. Being able to understand how insurance policy rates are calculated can help you make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade ESV 2WD | $274 | $506 | $500 | $30 | $150 | $1,460 | $122 |
| Escalade ESV 4WD | $274 | $506 | $500 | $30 | $150 | $1,460 | $122 |
| Escalade ESV Luxury Edition 2WD | $274 | $506 | $500 | $30 | $150 | $1,460 | $122 |
| Escalade ESV Premium Edition 2WD | $274 | $506 | $500 | $30 | $150 | $1,460 | $122 |
| Escalade ESV Luxury Edition 4WD | $274 | $506 | $500 | $30 | $150 | $1,460 | $122 |
| Escalade ESV Premium Edition 4WD | $298 | $572 | $500 | $30 | $150 | $1,550 | $129 |
| Escalade ESV Platinum Edition 2WD | $298 | $572 | $500 | $30 | $150 | $1,550 | $129 |
| Escalade ESV Platinum Edition 4WD | $298 | $572 | $500 | $30 | $150 | $1,550 | $129 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in specific location information which can impact coverage prices considerably.
Difference between liability only and full coverage rates
The illustration below shows the difference between Cadillac Escalade ESV car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no accidents or driving violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no clear-cut formula for excluding physical damage insurance, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Cadillac Escalade ESV replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after the deductible is paid. If you are paying over $700 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where removing full coverage 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 can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
What Determines Cadillac Escalade ESV Insurance Premiums?
Lots of things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but some are more transparent like where you live or your financial responsibility.
The following are some of the most common factors used by insurance companies to determine your rates.
Which gender costs less? – The statistics show women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Females and males get in at-fault accidents in similar numbers, but guys tend to have higher claims. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI). Teenage male drivers generally have the highest accident percentage and therefore have the most expensive insurance rates.
The illustration below illustrates the comparison of Cadillac Escalade ESV insurance costs for male and female drivers. The information is based on no claims or driving citations, full coverage, $250 deductibles, marital status is single, and no discounts are applied.
Costs and your address – Choosing to live in a rural area has it’s advantages when shopping for auto insurance. City drivers have to deal with more auto accidents and higher rates of accident claims. Fewer people corresponds to lower accident rates.
Pay lower costs after the wedding – Getting married may cut your premiums on your policy. Marriage means you’re more mature and it’s proven that married drivers tend to have fewer serious accidents.
Amount of liability coverage – The liability coverage on your policy is the protection if ever a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides for a legal defense to attempt to prove you were not liable. Liability is cheap compared to comp and collision, so do not skimp.
Never allow your insurance to lapse – Having a gap between insurance policy dates is a quick way to drive up your policy premiums. And not only will your rates increase, being ticketed for driving with no insurance can result in fines or a revoked license.
Cadillac Escalade ESV insurance loss data – Insurance companies use data from past claims to determine a price that will be profitable for them. Vehicles that the statistics show to have higher number or severity of losses will have higher rates.
The table shown below demonstrates the actual insurance loss data for Cadillac Escalade ESV vehicles. For each policy coverage, the claim probability for all vehicles as a whole is represented as 100. Values below 100 mean the vehicle has better than average losses, while values over 100 point to more losses or a tendency for losses to be larger than average.
| 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
You may want advice from an insurance agent
Many drivers just prefer to get advice from a local agent and that can be a great decision An additional benefit of price shopping on the web is that you can obtain lower premium rates and still have an agent to talk to. And supporting neighborhood insurance agencies is definitely important in Bakersfield.
To find an agent, once you fill out this quick form, your information is transmitted to local insurance agents in Bakersfield who want to provide quotes for your insurance coverage. You won’t need to visit any agencies due to the fact that quote results will go straight to your inbox. You can most likely find cheaper rates without having to waste a lot of time. In the event you want to get a price quote from one company in particular, you would need to jump over to their website to submit a rate quote request.
The following are agents in Bakersfield who can help you get rate quotes for Cadillac Escalade ESV insurance in Bakersfield.
GEICO Insurance Agent
5550 California Ave #101 – Bakersfield, CA 93309 – (661) 431-1780 – View Map
California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978 – View Map
Nationwide Insurance – Michaud Insurance Agency Inc
3795 Niles St – Bakersfield, CA 93306 – (661) 633-9900 – View Map
Omega Financial and Insurance Services Inc
400 H St – Bakersfield, CA 93304 – (661) 326-6870 – View Map
Selecting a provider needs to be determined by more than just a cheap quote. Get answers to these questions too.
- Will their companies depreciate repairs to your car based on the mileage?
- Are there any discounts for paying up front?
- Do they offer claims assistance after hours?
- What company do they have the most business with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which insurance companies are they affiliated with?
Upon getting satisfactory answers for all questions you ask and a good coverage price, you have narrowed it down to an provider that is reputable and can properly insure your vehicles. But keep in mind you can terminate coverage whenever you choose to so don’t feel that you are permanently stuck with a policy for a certain time period.
Why car insurance is not optional
Even though it’s not necessarily cheap to insure a Cadillac in Bakersfield, paying for car insurance is not optional due to several reasons.
- Most states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Cadillac, it’s guaranteed your bank will make it mandatory that you have physical damage coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank will be required to insure your Cadillac for a much higher rate and make you pay the higher price.
- Insurance protects both your assets and your Cadillac Escalade ESV. It also can pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your Cadillac gets damaged, your policy will cover the repair costs.
The benefits of having insurance more than offset the price you pay, particularly for liability claims. Despite what companies tell you, the average driver is overpaying over $830 a year so compare rates each time the policy renews to make sure the price is not too high.
Don’t give up on cheap premiums
Lower-priced car insurance in Bakersfield can be sourced from both online companies and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer rate quotes online and many times these smaller providers only sell through local independent agencies.
When searching for inexpensive Bakersfield auto insurance quotes, do not skimp on coverage in order to save money. In many instances, an insured dropped collision coverage and found out when filing a claim that they should have had better coverage. The goal is to buy enough coverage for the lowest price while not skimping on critical coverages.
We just showed you some good ideas how to reduce Cadillac Escalade ESV insurance premium rates online in Bakersfield. The most important thing to understand is the more you quote Bakersfield auto insurance, the more likely it is that you will get a better rate. Consumers may even find the best premium rates are with a lesser-known regional company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.
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