Searching for the cheapest Cadillac Escalade EXT insurance in Raleigh? If you are new to online price comparisons, you can be baffled by the crazy number of insurance providers all promising to save you money.
Sad but true, over 70% of consumers have bought car insurance from the same company for more than four years, and approximately 40% of consumers have never compared rates with other companies. Many drivers in North Carolina could save up to 10% a year just by getting comparison quotes, but they think it’s difficult to compare other rate quotes.
Best companies for competitive Cadillac Escalade EXT insurance in North Carolina
The providers in the list below can provide comparison quotes in North Carolina. If your goal is to find cheap auto insurance in North Carolina, it’s highly recommended you visit several of them in order to find the lowest rates.
Rate information and statistics
The data table displayed below outlines a range of insurance rates for Cadillac Escalade EXT models. Having a better idea how car insurance premiums are established can help you make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade EXT 4WD | $216 | $370 | $256 | $16 | $76 | $934 | $78 |
| Escalade EXT Luxury Edition 4WD | $216 | $370 | $256 | $16 | $76 | $934 | $78 |
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in your specific Raleigh location which can decrease or increase premiums substantially.
The illustration below illustrates how your deductible choice and can influence Cadillac Escalade EXT insurance costs for different age groups. The data is based on a single female driver, full physical damage coverage, and no other discounts are factored in.
How much more does full coverage cost in Raleigh?
The example below visualizes the comparison of Cadillac Escalade EXT insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no violations or accidents, $500 deductibles, marital status is single, and no other discounts are factored in.
When to switch to liability coverage only
There is no exact formula of when to stop paying for physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Cadillac Escalade EXT settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after you pay the deductible. If it’s costing you more than $800 annually for physical damage coverage, then you might consider buying liability only.
There are a few cases where dropping physical damage coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.
Components of Your Cadillac Escalade EXT Insurance Rates
One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that play a part in calculating the price you pay for insurance. When consumers understand what determines base rates, this allows you to make good choices that can earn you lower premium levels. Lots of factors are part of the calculation when pricing auto insurance. Most are fairly basic such as traffic violations, although some other factors are more obscure such as your credit history or how safe your car is.
Listed below are a partial list of the pieces used by your company to calculate your premiums.
Better drivers pay the best prices – Drivers who don’t get tickets get better rates than bad drivers. Even a single citation can increase rates forty percent or more. Drivers who have received careless citations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 with their state DMV in order to drive a vehicle legally.
The illustration below demonstrates how traffic citations and at-fault fender-benders influence Cadillac Escalade EXT car insurance costs for each age group. The premiums assume a single female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Experienced drivers pay less – Older people tend to be more responsible, tend to cause fewer accidents, and get fewer tickets. Youthful drivers are proven to be more careless in a vehicle so insurance rates are higher.
The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Lower premiums for safer cars – Vehicles that have high safety ratings tend to have lower insurance rates. Safer cars reduce the chance of injuries and fewer serious injuries translates into fewer and smaller insurance claims and thus lower rates. If the Cadillac Escalade EXT has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Your employer can affect rates – Jobs such as lawyers, social workers, and stock brokers usually pay the highest rates because of high stress levels and lengthy work days. Conversely, jobs like professors, engineers and homemakers pay the least.
Discount Raleigh car insurance quotes
Some companies don’t necessarily list their entire list of discounts in an easy-to-find place, so the list below contains some of the more common and also the more inconspicuous car insurance savings.
- Theft Deterrent System – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Good Drivers – Accident-free drivers can save as much as half off their rates compared to accident prone drivers.
- Driver Education Discount – Require your teen driver to take driver’s ed class if offered at their school.
- Telematics Discount – Raleigh drivers who agree to allow driving data collection to monitor driving patterns by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.
- Discounts for Multiple Vehicles – Drivers who insure more than one vehicle with one company can get a discount for every vehicle.
One last thing about discounts, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The chart below shows the difference between Cadillac Escalade EXT insurance prices with and without discounts applied. The price estimates are based on a male driver, no tickets, no at-fault accidents, North Carolina 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 claim-free, multi-car, multi-policy, homeowner, safe-driver, and marriage discounts applied.
The best car insurance companies and a selection of discounts can be found below.
- GEICO may have discounts that include anti-lock brakes, multi-vehicle, good student, multi-policy, military active duty, air bags, and seat belt use.
- MetLife offers discounts including defensive driver, claim-free, good driver, accident-free, good student, and multi-policy.
- Progressive may offer discounts for multi-policy, homeowner, good student, online signing, online quote discount, and multi-vehicle.
- Travelers policyholders can earn discounts including save driver, multi-policy, good student, driver training, and new car.
- SAFECO has discounts for homeowner, teen safety rewards, anti-lock brakes, bundle discounts, safe driver, teen safe driver, and anti-theft.
- AAA may include discounts for multi-car, good student, multi-policy, education and occupation, pay-in-full, good driver, and AAA membership discount.
If you are trying to find affordable Raleigh auto insurance quotes, ask each company which discounts they offer. Some discounts listed above may not be available in Raleigh. If you would like to see a list of insurance companies who offer free Cadillac Escalade EXT insurance quotes in North Carolina, click this link.
Independent or exclusive insurance agencies
Many drivers still like to buy from a local agent and that is OK! A nice benefit of comparing insurance prices online is that drivers can save money and get cheaper prices and also buy local. Supporting local agents is important especially in Raleigh.
By using this form (opens in new window), your information is transmitted to local insurance agents in Raleigh that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to leave your computer because quoted prices will be sent to your email. You can find lower rates AND an agent nearby. If you need to get a comparison quote from a particular provider, you can always visit that company’s website to submit a rate quote request.
If you prefer to buy car insurance from local Raleigh agents, it helps to know the two types of agencies that you can choose from. Car insurance agents in Raleigh can be classified as either exclusive agents or independent agents.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent do not write with just one company so they can write business through lots of different companies and get you the best rates possible. If they quote lower rates, your agent can just switch to a different company which makes it simple for you.
If you are comparing rate quotes, you definitely need to get some free quotes from a few independent agents to ensure the widest selection of prices. Most also have access to different regional companies who may have lower rates.
Shown below is a partial list of independent insurance agents in Raleigh who may be able to give you free rate quotes.
- Nationwide Insurance: Carter Glass Insurance Agency
5901 Falls of Neuse Rd – Raleigh, NC 27609 – (919) 872-1778 – View Map - Nationwide Insurance: Snotherly Ins Agency Inc
2308 Wake Forest Rd – Raleigh, NC 27608 – (919) 832-5832 – View Map - Blackmon Insurance Agency of North Carolina, Inc.
4280 Louisburg Rd – Raleigh, NC 27604 – (919) 875-8500 – View Map
Exclusive Car Insurance Agents
These agents can only write with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable in insurance sales which aids in selling service over price. Some insured continue to use the same agent mainly due to the brand legacy instead of buying on price only.
Below is a list of exclusive insurance agencies in Raleigh that are able to give price quote information.
- Allstate Insurance: Lauri W. Fair
9101 Leesville Rd Ste 111 – Raleigh, NC 27613 – (919) 846-3901 – View Map - Tom Patterson – State Farm Insurance Agent
805 Spring Forest Rd #1400 – Raleigh, NC 27609 – (919) 954-1340 – View Map - State Farm: Lisa Davis
8201 Rowlock Way Suite 112 – Raleigh, NC 27613 – (919) 782-3333 – View Map
Finding a good car insurance agent needs to be determined by more than just a cheap price. The questions below may impact your decision as well.
- Do they write coverage based solely on cost?
- Is the agency covered by Errors and Omissions coverage?
- Do they receive special compensation for putting your coverage with one company over another?
- Which insurance companies are they affiliated with?
- How many years have they been established?
- How long have they worked with personal auto insurance coverage?
- Did they already check your driving record and credit reports?
- Which insurance company do they prefer to write with?
After receiving positive responses to any questions you have and a low price estimate, you may have just found an insurance agency that can be trusted to insure your vehicles. Just keep in mind once you purchase a policy you can terminate your policy at any time so never feel that you’re stuck with the car insurance policy for any length of time.
Best car insurance in Raleigh
Picking the highest-rated insurance provider can be challenging considering how many companies there are in North Carolina. The company ratings below could help you pick which companies you want to consider when shopping your coverage around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
A little work can save a LOT of money
In this article, we presented a lot of ways to shop for Cadillac Escalade EXT insurance online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding affordable Cadillac Escalade EXT insurance quotes. You may even find the lowest prices come from some of the lesser-known companies.
A few companies do not offer rate quotes online and many times these small insurance companies provide coverage only through independent agents. Budget-friendly car insurance in Raleigh can be sourced both online in addition to many Raleigh insurance agents, so you should be comparing quotes from both so you have a total pricing picture.
Drivers leave their current company for many reasons like policy non-renewal, high prices, delays in responding to claim requests and high rates after DUI convictions. Regardless of your reason, finding a new company can be pretty painless.
Steps to saving on Cadillac Escalade EXT insurance in Raleigh
If you want to save money, the best way to get more affordable Cadillac Escalade EXT insurance is to begin comparing prices regularly from insurance carriers in Raleigh.
Step 1: Spend a few minutes and learn about what is in your policy and the measures you can control to lower rates. Many rating factors that cause high rates like inattentive driving and an imperfect credit history can be remedied by making small lifestyle or driving habit changes.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can quote prices from multiple insurance companies.
Step 3: Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
Step 4: Give notification to your agent or company of your decision to cancel your current auto insurance policy and submit the application along with any required down payment to the new company. Immediately upon receiving it, keep the new proof of insurance certificate in an accessible location in your vehicle.
One important bit of advice is to use the same amount of coverage on every price quote and and to get rate quotes from all possible companies. This helps ensure a level playing field and and a good selection of different prices.
More information is located on the following sites:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- What Insurance is Cheapest for Business Use in Raleigh? (FAQ)
- Who Has the Cheapest Raleigh Auto Insurance Quotes for 16 Year Olds? (FAQ)
- How Much is Car Insurance for Felons in Raleigh? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Good Credit in Raleigh? (FAQ)
- How Much are Auto Insurance Rates for 17 Year Olds in Raleigh? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda Civic in Raleigh? (FAQ)
- Who Has Affordable Auto Insurance for a 20 Year Old Female in Raleigh? (FAQ)
- What Car Insurance is Cheapest for a Toyota Tundra in Raleigh? (FAQ)
- Who Has Cheap Auto Insurance Rates for Active Military in Raleigh? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)