Perplexed by the wide range of insurance choices that you can choose from? Lot’s of other drivers are too. There are so many choices available that it can easily become a lot of work to find the lowest price for Cadillac Escalade insurance in Kansas City. Kansas City is a great city to live in, but paying high insurance rates makes it very hard to afford proper coverage amounts.
It’s safe to conclude that car insurance companies don’t want you to look at other companies. Drivers who shop for lower prices will presumably switch companies because they have a good chance of finding a more affordable policy premium. A recent survey discovered that consumers who compared rates annually saved on average $860 a year compared to those who never shopped for cheaper rates.
If saving the most money on Cadillac Escalade insurance in Kansas City is the reason you’re here, then having an understanding of how to get price quotes and compare coverage rates can save money and time.
It’s smart to price shop coverage occasionally since prices are variable and change quite frequently. Just because you had the best deal on Cadillac Escalade insurance in Kansas City last year you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn how to quote online to find great coverage at a great price.
Locating the best insurance company for you in Kansas City is not that difficult as long as you know where to start. Virtually every vehicle owner who is overpaying for car insurance stands a good chance to get better rates. But Missouri drivers can benefit from knowing how the larger insurance companies determine what you pay.
Get cheap rates by getting discounts
Companies offering auto insurance do not list all discounts very clearly, so the next list breaks down some of the more common as well as some of the hidden credits available to you.
- Multiple Policy Discount – When you have multiple policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
- Discount for Life Insurance – Some insurance carriers give a discounted premium rate on car insurance if you buy a life insurance policy as well.
- Good Students Pay Less – A discount for being a good student may save as much as 25% on a Kansas City auto insurance quote. You can use this discount normally up until you turn 25.
- New Vehicle Savings – Insuring a new Escalade is cheaper because new vehicles are generally safer.
- Full Payment Discount – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
- Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from Kansas City and do not have access to a covered vehicle may qualify for this discount.
- Low Mileage Discounts – Maintaining low annual mileage could qualify for substantially lower premium rates.
- Federal Employees – Employees or retirees of the government may qualify for a discount when you quote Kansas City auto insurance with certain companies.
- Onboard Data Collection – Policyholders that allow their insurance company to track where and when they drive by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
- Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
One last thing about discounts, most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.
The illustration below compares Cadillac Escalade insurance costs with and without discounts. The premium estimates are based on a male driver, a clean driving record, no claims, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, homeowner, multi-car, and multi-policy discounts applied.
Some of the insurance companies that may offer policyholders these benefits include:
Double check with each company to give you their best rates. All car insurance discounts might not be available to policyholders in every state. To find companies with discount rates in Missouri, click this link.
Where can I get cheap Kansas City Cadillac Escalade insurance?
There are several ways of comparing rate quotes from many different Missouri insurance companies. The easiest way by far to compare rates is simply to get online rate quotes.
When quoting car insurance, remember that comparing a large number of companies helps increase your odds of locating a lower rate.
The following companies provide price quotes in Kansas City, MO. To find cheap car insurance in Kansas City, we recommend you visit several of them in order to get a fair rate comparison.
Cadillac Escalade coverage statistics
The premium information below highlights a range of insurance premium costs for Cadillac Escalade models. Being able to understand how rates are established can assist in making informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escalade Luxury Edition 2WD||$212||$350||$342||$20||$102||$1,026||$86|
|Escalade Premium Edition 4WD||$230||$350||$342||$20||$102||$1,044||$87|
|Escalade Luxury Edition 4WD||$230||$350||$342||$20||$102||$1,044||$87|
|Escalade Premium Edition 2WD||$230||$350||$342||$20||$102||$1,044||$87|
|Escalade Hybrid 2WD||$230||$440||$310||$18||$92||$1,090||$91|
|Escalade Hybrid 4WD||$230||$440||$310||$18||$92||$1,090||$91|
|Escalade Platinum Edition 2WD||$230||$394||$342||$20||$102||$1,088||$91|
|Escalade Platinum Edition 4WD||$230||$394||$342||$20||$102||$1,088||$91|
|Escalade Hybrid Platinum 2WD||$250||$486||$310||$18||$92||$1,156||$96|
|Escalade Hybrid Platinum 4WD||$250||$486||$310||$18||$92||$1,156||$96|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in Kansas City which can increase or decrease rates substantially.
Where to set your deductibles
The hardest decision when buying coverage is how low should you set your deductibles. The rates shown below highlight the differences in premium rates of buying low and high physical damage deductibles. The first data table uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escalade Luxury Edition 2WD||$286||$470||$332||$20||$100||$1,233||$103|
|Escalade Premium Edition 4WD||$312||$470||$332||$20||$100||$1,259||$105|
|Escalade Luxury Edition 4WD||$312||$470||$332||$20||$100||$1,259||$105|
|Escalade Premium Edition 2WD||$312||$470||$332||$20||$100||$1,259||$105|
|Escalade Hybrid 2WD||$312||$594||$302||$18||$90||$1,341||$112|
|Escalade Hybrid 4WD||$312||$594||$302||$18||$90||$1,341||$112|
|Escalade Platinum Edition 2WD||$312||$532||$332||$20||$100||$1,321||$110|
|Escalade Platinum Edition 4WD||$312||$532||$332||$20||$100||$1,321||$110|
|Escalade Hybrid Platinum 2WD||$338||$656||$302||$18||$90||$1,429||$119|
|Escalade Hybrid Platinum 4WD||$338||$656||$302||$18||$90||$1,429||$119|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escalade Luxury Edition 2WD||$176||$296||$332||$20||$100||$924||$77|
|Escalade Premium Edition 4WD||$192||$296||$332||$20||$100||$940||$78|
|Escalade Luxury Edition 4WD||$192||$296||$332||$20||$100||$940||$78|
|Escalade Premium Edition 2WD||$192||$296||$332||$20||$100||$940||$78|
|Escalade Hybrid 2WD||$192||$374||$302||$18||$90||$976||$81|
|Escalade Hybrid 4WD||$192||$374||$302||$18||$90||$976||$81|
|Escalade Platinum Edition 2WD||$192||$334||$332||$20||$100||$978||$82|
|Escalade Platinum Edition 4WD||$192||$334||$332||$20||$100||$978||$82|
|Escalade Hybrid Platinum 2WD||$208||$412||$302||$18||$90||$1,030||$86|
|Escalade Hybrid Platinum 4WD||$208||$412||$302||$18||$90||$1,030||$86|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in your specific Kansas City location which can influence coverage prices substantially.
We can estimate from the data above that using a $250 deductible would cost the average driver about $29 more each month or $348 a year than requesting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 26 months between claim filings, you would probably be better off if you choose a higher deductible. Here’s a better example of how you can come to your own conclusion.
|Average monthly premium for $250 deductibles:||$109|
|Average monthly premium for $1,000 deductibles (subtract):||– $80|
|Monthly savings from raising deductible:||$29|
|Difference between deductibles ($1,000 – $250):||$750|
|Divide difference by monthly savings:||$750 / $29|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||26 months|
One thing to be aware of is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you do file a claim. You need to make sure you have enough extra savings in the event you need to pay the higher deductible in order to repair your vehicle.
Gender-based auto insurance premiums
The illustration below illustrates the difference between Cadillac Escalade annual premium costs for male and female drivers. Data assumes no violations or claims, full physical damage coverage, $500 deductibles, single status, and no other discounts are factored in.
Liability only or full coverage
The information below shows the difference between Cadillac Escalade insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.
When to drop full coverage
There is no definitive formula of when to phase out comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s say your Cadillac Escalade book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying your deductible. If premiums are more than $800 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping full coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
How Insurance Providers Determine Cadillac Escalade Insurance Rates
A large part of saving on insurance is knowing some of the things that help determine your policy premiums. If you understand what influences your rates, this allows you to make good choices that may reward you with better insurance rates. Multiple criteria are used in the calculation when pricing auto insurance. Some are obvious like an MVR report, although some other factors are less apparent like your continuous coverage or how safe your car is.
The itemized list below are some of the factors used by companies to determine your rate level.
Raising deductibles saves money – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Cadillac from damage. Examples of covered claims could be collision with another vehicle, collision with an animal, and rolling your vehicle. The deductibles you choose define the amount you are required to spend out-of-pocket if a claim is determined to be covered. The more expense you pay before a claim is paid (deductible), the better rate you will receive.
Avoid unnecessary extra policy coverages – There are quite a few add-on coverages that sound like a good idea at the time but may not be useful. Coverages for rental car coverage, high-cost glass coverage, and motor club memberships are probably not needed. You may think they are a good idea initially, but if they’re wasting money think about removing them and cutting costs.
How much liability insurance do you need? – The liability section of your policy is the protection in the event that a jury decides you are liable for damages caused by your negligence. This coverage provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Bad credit will cost you – Having a good credit score can be an important factor in determining premium rates. Therefore, if your credit score is low, you could save money insuring your Cadillac Escalade if you clean up your credit. People that have high credit scores tend to be less risk to insure than drivers with poor credit.
Policy claims cost money – Car insurance companies in Missouri award most affordable rates to people who only file infrequent claims. If you file a lot of claims you can expect much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
Insurance rates and vehicle performance – The make and model of the car, truck or SUV you own makes a significant difference in your car insurance bill. Economy passenger vehicles receive the most favorable rates, but there are many factors that impact the final cost.
The data below uses these variables: single male driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Cadillac Escalade insurance rates compared to other vehicles that have different performance rating factors.
Accidents drive up premiums – Your driving record has a huge affect on how much you pay. Drivers with clean records pay lower auto insurance prices as compared to careless drivers. Even one speeding ticket can increase rates by as much as thirty percent. People who have license-revoking citations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state in order to legally drive a vehicle.
The diagram below demonstrates how traffic citations and accident claims can affect Cadillac Escalade yearly insurance costs for each different age category. The rate quotes are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
Insurance loss data for Cadillac Escalade vehicles – Auto insurance companies use data from past claims to help calculate premium prices. Models that the data determines to have higher prevalence or dollar amount of losses will have higher rates. The table below illustrates the historical loss data for Cadillac Escalade vehicles.
For each coverage category, the claim probability for all vehicles averaged together is represented as 100. Values that are below 100 suggest a positive loss record, while values that are 100 or greater point to more claims or statistically larger claims.
|Make and 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|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
You may need advice from a local insurance agent
A small number of people just want to talk to an insurance agent and doing so can bring peace of mind One of the best bonuses of getting online price quotes is the fact that you can find cheap auto insurance quotes but still work with a licensed agent.
After filling out this form (opens in new window), your coverage information is sent to participating agents in Kansas City that can provide free Kansas City auto insurance quotes for your coverage. There is no reason to contact any agents because prices are sent to the email address you provide. You can most likely find cheaper rates and a licensed agent to work with. In the event you want to compare rates from a specific company, just search and find their rate quote page and fill out their quote form.
Picking an company is decision based upon more than just the price. These are some questions you should get answers to.
- How would your car be valued if totaled?
- Do they specialize in personal lines auto insurance in Kansas City?
- Is there any savings for paying the full premium?
- Is coverage determined by price?
- Can you contact them at any time?
- By raising physical damage deductibles, how much would you save?
- In the event of vehicle damage, can you pick the collision repair facility?
If you want local Kansas City agents, there are a couple of different agency structures and how they are slightly different. Auto insurance policy providers can either be exclusive agents or independent agents.
Agents that elect to be exclusive are contracted to one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies are highly trained on their products and sales techniques which can be an advantage. Many people choose to use a exclusive agent mainly due to the prominent brand name rather than having low rates.
Shown below are exclusive agents in Kansas City that are able to give comparison quotes.
- Farmers Insurance – Alisha Elliott
851 NW 45th St #301 – Kansas City, MO 64116 – (816) 841-9494 – View Map
- American Family Insurance – Tony Osborn
6510 N Oak Trafficway – Kansas City, MO 64118 – (816) 454-6555 – View Map
- Elaine Fry Agency — State Farm®
1310 Carondelet Dr #200 – Kansas City, MO 64114 – (816) 942-7800 – View Map
Independent Auto Insurance Agents
These agents do not have single company limitations so they can insure your vehicles with multiple insurance companies and get the cheapest rates. To move your coverage to a new company, your agent can just switch to a different company which is easy for the insured.
When comparing auto insurance rates, we highly recommend that you include rate quotes from at a minimum one independent agency for maximum quote selection. Most can insure with mutual insurance companies which can save you money.
Shown below are independent insurance agents in Kansas City that are able to give comparison quotes.
- Francisco Banuelos Insurance
536 Benton Blvd – Kansas City, MO 64124 – (816) 920-5400 – View Map
- Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212 – View Map
- InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 – View Map
Auto insurance is an important decision
Even though it can be expensive, buying auto insurance may be required and benefits you in several ways.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection if you don’t want to risk a ticket. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Cadillac Escalade with a loan, it’s most likely the lender will stipulate that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Cadillac at a much higher rate and require you to pay for it.
- Insurance safeguards not only your car but also your financial assets. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay to defend you if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance more than offset the price you pay, especially with large liability claims. Today the average American driver overpays more than $855 a year so you should quote rates at least once a year to help ensure money is not being wasted.
You can lower your car insurance rates
You just read a lot of tips how to get a better price on Cadillac Escalade insurance in Kansas City. It’s most important to understand that the more companies you get auto insurance rates for, the better likelihood of getting affordable Cadillac Escalade insurance quotes. You may even find the most savings is with an unexpected company.
When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.
People leave their current company for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, high rates after DUI convictions or policy non-renewal. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.
Steps to finding affordable Cadillac Escalade insurance in Kansas City
The best way to get more affordable Cadillac Escalade insurance is to regularly compare prices from providers that insure vehicles in Kansas City. This can be done by following these steps.
Step 1: Learn about how your policy works and the factors you can control to prevent expensive coverage. Many things that cause rate increases like distracted driving and a poor credit rating can be improved by making minor changes to your lifestyle.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple insurance companies.
Step 3: Compare the quotes to your existing coverage and determine if cheaper Escalade coverage is available in Kansas City. If you find a lower rate quote, ensure there is no coverage lapse between policies.
Step 4: Provide adequate notice to your current company to cancel your current policy. Submit a signed application and payment to the new insurer. As soon as you have the new policy, put the new proof of insurance certificate with the vehicle registration.
The critical component of shopping around is to try to use identical deductibles and limits on every price quote and and to analyze as many different insurance providers as possible. This enables the most accurate price comparison and and a good selection of different prices.
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