Cheap Quotes for Cadillac Escalade EXT Insurance in Portland

  1. Home
  2. >
  3. Portland Auto Insurance
  4. >
  5. Cadillac Escalade EXT

Discount Cadillac Escalade EXT insuranceIf you want to find the absolute lowest rates, then the best way to find the cheapest price for Cadillac Escalade EXT insurance in Portland is to regularly compare quotes from companies who sell insurance in Oregon.

Step 1: Spend a few minutes and learn about the different coverages in a policy and the things you can control to keep rates low. Many factors that are responsible for high rates such as at-fault accidents, speeding tickets, and an unacceptable credit rating can be controlled by making minor changes to your lifestyle. Keep reading for tips to find cheap rates and find available discounts that you may qualify for.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or State Farm, while independent agents can give you price quotes from multiple insurance companies.

Step 3: Compare the price quotes to the price on your current policy to determine if switching companies saves money. If you can save money and decide to switch, ensure coverage does not lapse between policies.

Step 4: Notify your current company to cancel the current policy. Submit the signed application along with the required initial payment to your new company or agent. Immediately keep your new certificate verifying coverage in an easily accessible location.

One important bit of advice is that you use the same deductibles and limits on every quote and and to analyze as many different insurance providers as possible. This enables a fair rate comparison and a thorough selection of prices.

Astonishing but true, the vast majority of Oregon insurance customers have remained with the same insurance company for at least four years, and practically 40% of insurance customers have never quoted insurance rates at all. Many drivers in America could save themselves $859 a year by just shopping around, but they don't invest the time required to save money by comparing rate quotes.

The easiest way to get policy rate comparisons for Cadillac Escalade EXT insurance in Portland is to know the trick most of the larger companies provide online access to compare their rates. The one thing you need to do is spend a couple of minutes providing details such as any included safety features, if a SR-22 is needed, the make and model of your vehicles, and deductibles desired. Your information is then submitted to multiple companies and you should receive rate quotes almost instantly.

To compare multiple company lower-cost Cadillac Escalade EXT insurance rates now, click here and enter the information requested.

The providers in the list below offer price comparisons in Oregon. To locate the best cheap auto insurance in OR, we recommend you click on several of them to get a more complete price comparison.

Portland insurance discounts for a Cadillac Escalade EXT

Companies offering auto insurance don't always list the complete list of policy discounts in a way that's easy to find, so we researched both well-publicized and the harder-to-find ways to save on insurance.Save money with discounts

  • Telematics Data - Insureds that choose to allow their insurance company to study driving manner remotely such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.
  • College Student Discount - Children who are enrolled in a college that is more than 100 miles from Portland and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Low Mileage - Driving fewer miles could be rewarded with cheaper prices.
  • Defensive Driver Discounts - Participating in a class that teaches defensive driving techniques may get you a small discount and easily recoup the cost of the course.
  • Driver Education Discount - Have your child successfully complete driver's ed class if offered at their school.
  • Anti-theft Discount - Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a Portland car insurance quote.
  • 55 and Retired - If you're over the age of 55, you may be able to get lower premium rates.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, you aren't that lucky.

The example below illustrates the difference between Cadillac Escalade EXT premium costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Oregon state minimum liability limits, full physical damage coverage, 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, multi-policy, multi-car, safe-driver, and marriage discounts applied.

Popular insurance companies and a partial list of their discounts are detailed below.

  • Farm Bureau may offer discounts for 55 and retired, good student, safe driver, multi-vehicle, youthful driver, renewal discount, and multi-policy.
  • State Farm policyholders can earn discounts including safe vehicle, multiple autos, good student, student away at school, and defensive driving training.
  • Progressive includes discounts for online quote discount, multi-policy, good student, continuous coverage, and homeowner.
  • Allstate discounts include premier discount, defensive driver, safe driver, anti-lock brakes, and anti-theft.
  • Nationwide offers discounts including multi-policy, accident-free, easy pay, good student, anti-theft, and business or organization.
  • MetLife may have discounts that include good driver, multi-policy, claim-free, defensive driver, accident-free, good student

If you need lower rates, check with every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies in Portland.

Cadillac Escalade EXT insurance charts and tables

The premium information shown next showcases different policy rates for Cadillac Escalade EXT models. Learning more about how insurance prices are formulated can be useful when making smart choices when selecting a policy.

Cadillac Escalade EXT Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $234 $428 $300 $18 $90 $1,070 $89
Escalade EXT Luxury Edition 4WD $234 $428 $300 $18 $90 $1,070 $89
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can alter premiums greatly.

Policy deductible comparison

A question often asked by Portland drivers is at what level do you set your deductibles. The following tables outline the costs and benefits between low and high policy deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Cadillac Escalade EXT insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $374 $638 $320 $18 $96 $1,471 $123
Escalade EXT Luxury Edition 4WD $374 $638 $320 $18 $96 $1,471 $123
Get Your Own Custom Quote Go
Cadillac Escalade EXT insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade EXT 4WD $304 $514 $320 $18 $96 $1,252 $104
Escalade EXT Luxury Edition 4WD $304 $514 $320 $18 $96 $1,252 $104
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in vehicle location which can revise premiums substantially.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $19 more each month or $228 annually than quoting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 13 months between claim filings, you would save more money if you decide on a higher deductible.

The information below highlights how deductible choice and can change Cadillac Escalade EXT premium costs for different age categories. Data assumes a married female driver, full physical damage coverage, and no policy discounts are applied.

Gender-based insurance rates

The diagram below shows the comparison of Cadillac Escalade EXT insurance costs for male and female drivers. The price estimates are based on no claims or driving citations, comp and collision included, $500 deductibles, single status, and no additional discounts are factored in.

Car insurance quotes from local Portland insurance agents

Many drivers just prefer to sit down and talk to an agent and doing so can bring peace of mind Professional agents can help determine the best coverages and help file insurance claims. One of the benefits of getting free rate quotes online is that you can find lower rates and also buy local. Buying from and supporting local agents is especially important in Portland.

Insurance agency in PortlandTo help locate an agent, after submitting this simple form, the coverage information is emailed to agents in your area that provide free Portland car insurance quotes to get your business. There is no reason to do any legwork since price quotes are sent immediately to you. If you wish to get a comparison quote from a particular provider, feel free to jump over to their website and fill out the quote form the provide.

The following is a short list of car insurance companies in Portland that may be willing to give comparison quotes for Cadillac Escalade EXT insurance in Portland.

More Portland agents

Selecting an insurer requires more thought than just the price. Here are some questions you should ask.

  • Where would glass claims be handled in Portland?
  • Will you work with the agent or an assistant?
  • How much can you save by raising your physical damage deductibles?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Are there any discounts that you might be missing?

Once you have positive responses to your questions and a low price estimate, you have narrowed it down to an provider that can properly service your car insurance policy. Keep in mind you can terminate coverage whenever you want so don't feel that you are obligated to the car insurance policy with no way to switch.

Find Cadillac Escalade EXT Insurance More Affordably

Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic like an MVR report, but some are more obscure like your vehicle usage or your commute time.

High stress job may mean higher rates - Jobs like fire fighters, airline pilots, and dentists generally have higher rates than the rest of us attributed to intense work requirements and long work hours. On the other hand, careers like farmers, engineers and the unemployed pay the least.

Stay claim-free and lower rates - If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Auto insurance companies in Oregon award the lowest premiums to insureds who file claims infrequently. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.

Cheaper rates after marriage - Having a wife or husband may cut your premiums on insurance. Having a spouse demonstrates that you tend to be more financially stable and statistics prove married drivers get in fewer accidents.

Save by driving safer cars - Cars with five star safety ratings tend to have better insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies which can result in lower premiums. If the Cadillac Escalade EXT has at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Liability limits should be high - Your insurance policy's liability coverage will provide protection when you are ruled to be at fault for causing damage or personal injury in an accident. Liability provides legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

Optional features can affect rates - Driving a car with an alarm system can save you some money. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft and help lower rates.

Big city or small town - Being located in a small town has definite advantages when buying insurance. Lower population means fewer accidents. Residents of big cities have more road rage incidents and more severe claims. Spending more time driving means more chances of being involved in an auto accident.

Car insurance just makes sense

Even though Portland Escalade EXT insurance rates can get expensive, paying for car insurance is most likely required but also gives you several important benefits.

  • Just about all states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability in order to get the vehicle licensed. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
  • If you have a loan on your Cadillac, more than likely the lender will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender will be forced to insure your Cadillac for a lot more money and force you to pay much more than you were paying before.
  • Car insurance preserves not only your vehicle but also your financial assets. It will also reimburse you for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to have it repaired.

The benefits of insuring your car outweigh the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $850 per year so you should quote rates at every renewal to ensure rates are competitive.

You can find affordable coverage

When trying to cut insurance costs, it's not a good idea to buy less coverage just to save a little money. There have been many cases where someone sacrificed liability limits or collision coverage only to regret that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, lack of trust in their agent and even denial of a claim. Whatever your reason, switching companies is not as hard as you think.

Throughout this article, we presented a lot of information how to get a better price on Cadillac Escalade EXT insurance in Portland. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a company that doesn't do a lot of advertising.

For more information, take a look at the articles below: