Do you need a fast way to compare lower-priced Cadillac Escalade insurance in Durham? Finding better insurance prices for your Cadillac Escalade in North Carolina can normally be a lot of work, but you can learn these tips and make it easy.
There are both good and bad ways to shop for car insurance and we’ll show you the proper way to get price quotes for a Cadillac and find the best price possible either online or from Durham insurance agents.
Finding a lower price on Cadillac Escalade insurance is surprisingly easy. Just invest a little time comparing price quotes to discover which company has affordable Cadillac Escalade insurance quotes.
The companies in the list below can provide comparison quotes in North Carolina. To find cheap car insurance in Durham, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Detailed insurance information
The rate information displayed next highlights detailed analysis of insurance coverage prices for Cadillac Escalade models. Being able to understand how rate quotes are calculated can help drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade 2WD | $186 | $348 | $326 | $20 | $98 | $978 | $82 |
| Escalade Luxury Edition 2WD | $186 | $348 | $326 | $20 | $98 | $978 | $82 |
| Escalade 4WD | $186 | $348 | $326 | $20 | $98 | $978 | $82 |
| Escalade Premium Edition 4WD | $204 | $348 | $326 | $20 | $98 | $996 | $83 |
| Escalade Luxury Edition 4WD | $204 | $348 | $326 | $20 | $98 | $996 | $83 |
| Escalade Premium Edition 2WD | $204 | $348 | $326 | $20 | $98 | $996 | $83 |
| Escalade Hybrid 2WD | $204 | $438 | $296 | $18 | $88 | $1,044 | $87 |
| Escalade Hybrid 4WD | $204 | $438 | $296 | $18 | $88 | $1,044 | $87 |
| Escalade Platinum Edition 2WD | $204 | $394 | $326 | $20 | $98 | $1,042 | $87 |
| Escalade Platinum Edition 4WD | $204 | $394 | $326 | $20 | $98 | $1,042 | $87 |
| Escalade Hybrid Platinum 2WD | $222 | $484 | $296 | $18 | $88 | $1,108 | $92 |
| Escalade Hybrid Platinum 4WD | $222 | $484 | $296 | $18 | $88 | $1,108 | $92 |
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Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in specific location which can impact insurance rates noticeably.
The information below highlights how deductible choice and can impact Cadillac Escalade yearly insurance costs for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
Irresponsible driving raises your rates
The chart below illustrates how speeding tickets and at-fault fender-benders can affect Cadillac Escalade auto insurance rates for different age groups. The information is based on a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
Cadillac Escalade full coverage rates compared to liability only
The information below illustrates the difference between Cadillac Escalade yearly insurance costs with full coverage compared to only the North Carolina minimum liability coverage. The rate quotes are based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
When to eliminate full coverage
There is no exact rule for phasing out full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Cadillac Escalade replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after you pay the deductible. If you are paying in excess of $600 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are a few cases where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage.
You may qualify for discounts for Cadillac Escalade insurance in Durham
The price of auto insurance can be rather high, but there’s a good chance there are discounts that can help lower your rates. Certain reductions will be credited at quote time, but some may not be applied and must be asked about before they will apply.
- Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
- New Vehicle Savings – Insuring a vehicle that is new can save up to 30% because new vehicles keep occupants safer.
- Active Service Discounts – Having an actively deployed family member can result in better premium rates.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.
- Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
- Membership in Organizations – Being in specific professional or occupational memberships or organizations could qualify you for a break when getting a Durham auto insurance quote.
- Discount for Swiching Early – A few companies offer discounts for renewing your policy before your current coverage expires. It could save around 10% when you buy Durham auto insurance online.
You should keep in mind that most discounts do not apply to the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, it’s just not the way it works. Any qualifying discounts should definitely cut your overall premium however.
The illustration below shows the difference between Cadillac Escalade auto insurance rates with and without some available policy discounts. The data is based on a male driver, no accidents, no driving violations, North Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.
To choose insurers who offer discounts in North Carolina, click here.
Why you need to buy insurance
Despite the high insurance cost for a Cadillac Escalade in Durham, insurance serves a purpose in several ways.
First, almost all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability insurance coverage in order to be legal. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your car, most lenders will force you to carry insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Cadillac at an extremely high rate and require you to fork over the higher price.
Third, insurance protects both your assets and your car. It will also provide coverage for medical bills for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your Cadillac gets damaged, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $820 a year so it’s recommended you shop around at every renewal to save money.
Insurance agents can help
Always keep in mind that when comparing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that
For example, these questions may help you determine if your insurance needs would benefit from professional advice.
- At what point should I drop full coverage?
- Can my babysitter drive my car?
- When should my teen driver be added to my policy?
- Do I need special coverage while pulling a rented trailer?
- How can I get my company to pay me more for my totaled car?
- Why am I required to get a high-risk car insurance policy?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.
Neighborhood Durham auto insurance agents
Many drivers just prefer to talk to an insurance agent. Most agents are highly skilled in risk management and help submit paperwork. The biggest benefit of price shopping on the web is you can get better rates but still work with a licensed agent. Buying from and supporting local insurance agencies is still important in Durham.
To help locate an agent, after submitting this short form, your insurance coverage information is submitted to local insurance agents that can provide free Durham auto insurance quotes for your auto insurance coverage. It’s much easier because you don’t need to search for any insurance agencies since price quotes are sent to you. In the event you want to get a comparison quote from one company in particular, don’t hesitate to find their quoting web page and fill out their quote form.
Multiple types of car insurance agents in Durham
If you are wanting to find a local agent, it helps to know the two different agency structures that you can choose from. Auto insurance agencies are considered either exclusive or independent (non-exclusive). Either one can sell auto insurance policies, but it is a good idea to know the difference in how they write coverage since it can impact which type of agent you select.
Independent Agents
These agents are normally appointed by many insurers so they have the ability to put coverage through many companies depending on which coverage is best. To transfer your coverage to a different company, they can switch companies in-house and you won’t have to switch agencies.
When searching for an agent, it’s a good idea to include rate quotes from a few independent agents to get the best comparison. Many write coverage with smaller regional carriers who may have lower rates.
The following is a small list of independent insurance agents in Durham who may be able to give you free auto insurance rate quotes.
- Hix Insurance Center
1533 Glenn School Road, Building C Unit A-14 – Durham, NC 27704 – (919) 220-3031 – View Map - Reliable Insurance Agency of North Carolina Inc.
3325 Durham-Chapel Hill Blvd #200 – Durham, NC 27707 – (919) 864-9048 – View Map - Protective Agency
4215 University Dr #1 – Durham, NC 27707 – (919) 416-4900 – View Map
Exclusive Auto Insurance Agents
These agents can only place business with one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to compare rates from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Consumers frequently choose to use an exclusive agent partially due to loyalty to the company rather than low rates.
Shown below are exclusive insurance agencies in Durham who can help you get rate quotes.
- Allstate Insurance Agent: Cody Holliday
4324 S Alston Ave – Durham, NC 27713 – (919) 249-7291 – View Map - Zonya Autmon – State Farm Insurance Agent
2402 S Miami Blvd #103 – Durham, NC 27703 – (919) 993-3555 – View Map - Rollie Olin – State Farm Insurance Agent
4810 Hope Valley Rd #116 – Durham, NC 27707 – (919) 489-6008 – View Map
Choosing the best insurance agency is decision based upon more than just a cheap price. These are valid questions to ask:
- Does the agency have a good rating with the Better Business Bureau?
- Does the agent have a valid license to sell insurance in North Carolina?
- Will one accident increase rates?
- Is working in the agency their full-time job?
- How experienced are they in personal risk management?
- Do they carry Errors and Omissions coverage?
- Will they take your side in the event of a claim?
- If your car is totaled, how to they determine the replacement cost?