Insurance rates Cadillac Escalade in Las VegasFeel like you have high-priced Cadillac Escalade insurance in Las Vegas? Believe me, many Las Vegas consumers are in the same pinch.

Astonishing but true according to a recent study, the vast majority of consumers kept their policy with the same company for well over three years, and practically 40% of insurance customers have never even compared rates from other companies. Most drivers in Nevada could pocket about $545 a year by just comparing quotes, but they think it's difficult to find cheap insurance rates. Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurance companies to find the best rate on Cadillac Escalade insurance in Las Vegas.

You need to do price comparisons before your policy renews since prices trend upward over time. If you had the lowest quotes on Cadillac Escalade insurance in Las Vegas at your last renewal there is a good chance you can find better rates now. Block out anything you think you know about insurance because I'm going to teach you how to use online quotes to remove unneeded coverages and save money.

Shop Cadillac Escalade insurance online

The companies in the list below are ready to provide quotes in Las Vegas, NV. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.

Cadillac Escalade Insurance Cost Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $366 $670 $520 $30 $156 $1,742 $145
Escalade Luxury Edition 2WD $298 $540 $520 $30 $156 $1,544 $129
Escalade 4WD $298 $540 $520 $30 $156 $1,544 $129
Escalade Premium Edition 4WD $252 $430 $436 $26 $130 $1,274 $106
Escalade Luxury Edition 4WD $328 $500 $396 $24 $118 $1,366 $114
Escalade Premium Edition 2WD $328 $500 $396 $24 $118 $1,366 $114
Escalade Hybrid 2WD $328 $632 $358 $22 $108 $1,448 $121
Escalade Hybrid 4WD $310 $674 $394 $24 $118 $1,520 $127
Escalade Platinum Edition 2WD $310 $634 $436 $26 $130 $1,536 $128
Escalade Platinum Edition 4WD $354 $708 $466 $28 $140 $1,696 $141
Escalade Hybrid Platinum 2WD $244 $508 $328 $20 $98 $1,198 $100
Escalade Hybrid Platinum 4WD $484 $1114 $470 $28 $140 $2,236 $186
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can revise coverage prices substantially.

Analysis of deductible levels

One of the most common auto insurance questions is how high should the physical damage deductibles be. The premium rates below determine the differences in premium rates when you choose different comp and collision deductibles. The first rate table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Cadillac Escalade insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $368 $650 $386 $22 $116 $1,567 $131
Escalade Luxury Edition 2WD $368 $650 $386 $22 $116 $1,567 $131
Escalade 4WD $368 $650 $386 $22 $116 $1,567 $131
Escalade Premium Edition 4WD $402 $650 $386 $22 $116 $1,601 $133
Escalade Luxury Edition 4WD $402 $650 $386 $22 $116 $1,601 $133
Escalade Premium Edition 2WD $402 $650 $386 $22 $116 $1,601 $133
Escalade Hybrid 2WD $402 $820 $348 $20 $104 $1,719 $143
Escalade Hybrid 4WD $402 $820 $348 $20 $104 $1,719 $143
Escalade Platinum Edition 2WD $402 $736 $386 $22 $116 $1,687 $141
Escalade Platinum Edition 4WD $402 $736 $386 $22 $116 $1,687 $141
Escalade Hybrid Platinum 2WD $436 $906 $348 $20 $104 $1,839 $153
Escalade Hybrid Platinum 4WD $436 $906 $348 $20 $104 $1,839 $153
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Cadillac Escalade insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $204 $342 $386 $22 $116 $1,070 $89
Escalade Luxury Edition 2WD $204 $342 $386 $22 $116 $1,070 $89
Escalade 4WD $204 $342 $386 $22 $116 $1,070 $89
Escalade Premium Edition 4WD $222 $342 $386 $22 $116 $1,088 $91
Escalade Luxury Edition 4WD $222 $342 $386 $22 $116 $1,088 $91
Escalade Premium Edition 2WD $222 $342 $386 $22 $116 $1,088 $91
Escalade Hybrid 2WD $222 $432 $348 $20 $104 $1,126 $94
Escalade Hybrid 4WD $222 $432 $348 $20 $104 $1,126 $94
Escalade Platinum Edition 2WD $222 $388 $386 $22 $116 $1,134 $95
Escalade Platinum Edition 4WD $222 $388 $386 $22 $116 $1,134 $95
Escalade Hybrid Platinum 2WD $242 $478 $348 $20 $104 $1,192 $99
Escalade Hybrid Platinum 4WD $242 $478 $348 $20 $104 $1,192 $99
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in vehicle location which can revise premium rates considerably.

Based on this data, using a $100 deductible will cost in the ballpark of $46 more each month or $552 for a full year than buying the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 20 months between claim filings, you would save money if you decide on a higher deductible.

Determine discounts on Las Vegas auto insurance

Auto insurance is not cheap nor is it fun to buy but there's a good chance there are discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be specifically requested prior to getting the savings.Save money with discounts

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will help lower the amount you have to pay.

A list of auto insurance companies and some of their more popular discounts can be found below.

Before buying, ask every prospective company to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in Las Vegas. For a list of providers who offer discounts in Las Vegas, follow this link.

How to Lower Your Insurance Rates

When buying insurance it's important to understand the rating factors that play a part in calculating your premiums. If you have some idea of what influences your rates, this allows you to make educated decisions that can help you get cheaper rates. Many things are used when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are not as apparent such as your credit history or your vehicle rating.

Shown below are a few of the "ingredients" used by your company to calculate your rates.

With age comes responsibility - Inexperience drivers tend to be easily distracted in a vehicle and because of this, their insurance rates are much higher. Adding a youthful driver to your policy can be quite pricey. Mature drivers tend to be more responsible, tend to cause fewer accidents, and receive fewer citations.

Insurance premiums are higher for high performance vehicles - The make and model of the car or truck you need insurance for makes a substantial difference in how high your rates are. The cheapest insurance rates will generally be found on smaller low performance passenger cars, but many other things help determine your insurance rates. Since the Cadillac Escalade is a luxury SUV, insurance will be substantially more in price when compared to the average rates in Las Vegas.

Marriage is a factor - Having a significant other may save some money when buying insurance. Having a spouse translates into being more mature than a single person and statistics prove married drivers get in fewer accidents.

Excellent credit scores equal low rates - Having a bad credit rating is likely to be a major factor in determining what you pay for insurance. Insureds that have good credit tend to be better drivers and file fewer claims than drivers who have bad credit. So if your credit is lower than you'd like, you could save money insuring your Cadillac Escalade by taking the time to improve your credit score.

What's your car's crash test rating? - Vehicles with good safety scores tend to have better insurance rates. Highly rated vehicles reduce occupant injuries and fewer injuries means less money paid by your insurance company and lower rates for you. If your Cadillac is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Insurance claims cost money - Insurance companies in Nevada give most affordable rates to insureds who are claim-free. If you are a frequent claim filer, you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is intended for the bigger claims that can't be paid out-of-pocket.

Eliminate unneeded incidental coverages - There are many extra coverages that sound like a good idea at the time when buying insurance. Add-on coverages like replacement cost coverage, high-cost glass coverage, and term life insurance may not be needed and are just wasting money. They may seem good when deciding what coverages you need, but if you've never needed them in the past eliminate them to save money.

Cadillac Escalade insurance loss statistics - Companies analyze claim trends for every vehicle to help calculate a profitable premium price. Vehicles that historically have higher claim amounts or frequency will have a higher premium rate.

The next table shows the compiled insurance loss statistics for Cadillac Escalade vehicles. For each type of coverage, the claim probability for all vehicles as a whole is represented as 100. Values that are below 100 represent a good loss history, while percentages above 100 point to more frequent losses or an increased chance of a larger loss.

Auto Insurance Loss Data for Cadillac Escalade Models

Vehicle 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Shop online but buy locally

Many people just prefer to buy from a licensed agent. Insurance agents can answer important questions and help you file claims. One of the best bonuses of comparing car insurance online is that you can find lower rates and still have a local agent. Supporting neighborhood insurance agencies is important particularly in Las Vegas.

Insurance agents in Las VegasUpon completion of this simple form, your insurance data is sent to local insurance agents in Las Vegas who will gladly provide quotes for your business. There is no need to contact any agents due to the fact that quote results will go to you instantly. If you wish to get a price quote for a specific company, you would need to navigate to their website and complete a quote there.

Finding the right insurance company needs to be determined by more than just the bottom line cost. Below are some questions you should ask.

There's no such thing as the perfect car insurance policy

Always keep in mind that when comparing proper insurance coverage, there really isn't a best way to insure your cars. Your situation is unique.Higher deductibles save money

Here are some questions about coverages that might help in determining whether you may require specific advice.

If it's difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Car insurance companies are expert advertisers

Consumers in Nevada can't avoid all the ads that claim the cheapest premium rates by State Farm and Allstate. All the ads make an identical promise that drivers will save a bundle if you change your car insurance policy to them.

How is it plausible that every one can make the same claim? It's all in the numbers.

All the different companies have specific characteristics for the type of driver they prefer to insure. For instance, a profitable insured could be between the ages of 40 and 55, has no driving citations, and the vehicle is rated for pleasure use. A customer that meets those criteria will get low rates and have a good chance to cut their rates substantially.

Consumers who don't qualify for these stringent criteria will see higher premiums and this results in the customer not purchasing. The wording the ads use say "drivers who switch" not "everyone who quotes" save that kind of money. That is how companies can lure you into getting a quote.

Because each company has a different risk profile, it is so important to compare price quotes frequently. It's just too difficult to predict with any certainty which company will give you lower rates than your current company.

Keep this in mind when shopping around

People leave their current company for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, denial of a claim or even not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is actually quite simple.

We just covered many tips how you can shop for Cadillac Escalade insurance online. The most important thing to understand is the more times you quote, the better likelihood of getting cheaper Las Vegas auto insurance quotes. Consumers could even find that the lowest prices come from a small mutual company.

Discount Cadillac Escalade insurance in Las Vegas can be purchased online as well as from independent agents in Las Vegas, and you should compare rates from both to have the best rate selection. There are still a few companies who may not have the ability to get a quote online and many times these smaller providers only sell through local independent agents.

More detailed insurance information can be found at these sites: