How long has it been since you shopped around for low-cost Cadillac Escalade ESV insurance in Baltimore? Expensive auto insurance in Baltimore can bottom out your monthly budget and force you to cut corners elsewhere. Getting a rate comparison is a fast and free way to make sure you’re not throwing money away.
It’s safe to conclude that car insurance companies don’t want their policyholders to compare prices. Insureds who shop around for the cheapest price will most likely buy a new policy because the odds are good of finding more affordable rates. A survey found that people who compared prices regularly saved over $850 each year as compared to drivers who don’t regularly compare prices.
If finding the cheapest price on auto insurance is why you’re reading this, then having some insight into how to shop for car insurance can save time, money, and frustration.
How to find discount Cadillac Escalade ESV insurance in Baltimore
If you want to save the most money, the best way to find more affordable auto insurance rates is to start doing a yearly price comparison from companies who provide car insurance in Baltimore. Prices can be compared by following these steps.
- First, read about how insurance companies determine prices and the factors you can control to keep rates low. Many rating factors that result in higher prices like at-fault accidents and an imperfect credit score can be improved by improving your driving habits or financial responsibility.
- Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while independent agencies can quote prices from many different companies. View companies
- Third, compare the new rate quotes to your current policy premium and see if you can save money. If you find a lower rate and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
An important note is that you use identical coverage information on every quote and and to compare all possible companies. This guarantees a level playing field and the best price quote selection.
Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a company and uncover the absolute lowest rate on Cadillac Escalade ESV insurance in Baltimore.
The most recommended method to compare policy rates for Cadillac Escalade ESV insurance in Baltimore is to know most of the larger companies actually pay money for the chance to compare rate quotes. The only thing you need to do is give them some information such as coverage limits, if you are currently licensed, if it has an alarm system, and if a SR-22 is needed. The rating information is instantly sent to many highly-rated insurers and you receive quotes within a short period of time.
If you would like to start a quote now, click here and find out if lower rates are available in Baltimore.
The companies shown below are our best choices to provide comparison quotes in Baltimore, MD. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.
Rates and detailed analysis
The table shown next showcases a range of insurance policy prices for Cadillac Escalade ESV models. Understanding how insurance prices are determined can help you make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade ESV 2WD | $408 | $738 | $458 | $28 | $138 | $1,770 | $148 |
| Escalade ESV 4WD | $408 | $738 | $458 | $28 | $138 | $1,770 | $148 |
| Escalade ESV Luxury Edition 2WD | $408 | $738 | $458 | $28 | $138 | $1,770 | $148 |
| Escalade ESV Premium Edition 2WD | $408 | $738 | $458 | $28 | $138 | $1,770 | $148 |
| Escalade ESV Luxury Edition 4WD | $408 | $738 | $458 | $28 | $138 | $1,770 | $148 |
| Escalade ESV Premium Edition 4WD | $444 | $836 | $458 | $28 | $138 | $1,904 | $159 |
| Escalade ESV Platinum Edition 2WD | $444 | $836 | $458 | $28 | $138 | $1,904 | $159 |
| Escalade ESV Platinum Edition 4WD | $444 | $836 | $458 | $28 | $138 | $1,904 | $159 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific garaging location which can affect prices considerably.
The diagram below illustrates how choosing a deductible and can influence Cadillac Escalade ESV insurance costs for each different age category. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
Irresponsible driving raises your rates
The diagram below shows how violations and at-fault fender-benders drive up Cadillac Escalade ESV annual premium costs for different age groups. The prices are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
Gender differences in auto insurance premiums
The example below shows the comparison of Cadillac Escalade ESV insurance prices for male and female drivers. The information is based on no claims or driving citations, full coverage, $100 deductibles, single status, and no discounts are taken into consideration.
Should you buy full coverage?
The illustration below compares Cadillac Escalade ESV insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Should you buy full coverage or liability only?
There is no exact rule for excluding full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Cadillac Escalade ESV book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying the physical damage deductible. If you are currently paying more than $300 annually for physical damage coverage, then you might consider buying liability only.
There are some cases where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
There’s no such thing as the perfect auto insurance policy
When quoting and choosing coverage online or from an agent, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that.
For example, these questions could help you determine whether you might need professional guidance.
- Do I get a pro-rated refund if I cancel my policy early?
- Do I need rental car coverage?
- Should I pay a claim out-of-pocket?
- Am I covered if I wreck a rental car?
- Do I need PIP coverage since I have good health insurance?
- How do I file an SR-22 for a DUI in Maryland?
- Does car insurance cover theft of personal property?
- What discounts do I qualify for?
- Should I carry comprehensive and collision coverage?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Shop online but buy locally
A lot of people just want to buy from a licensed agent and that can be a great decision The biggest benefit of comparing rates online is you may find cheaper prices and still have a local agent.
To help locate an agent, after submitting this simple form, your insurance coverage information is immediately sent to companies in Baltimore that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your computer because prices are sent directly to your email. It’s the lowest rates without the usual hassles of price shopping. If you want to compare prices from a specific company, you just need to visit that company’s website and fill out their quote form.
Selecting an provider shouldn’t rely on just a cheap price quote. Here are some questions to ask:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are they full-time agents?
- Is every driver in your family covered?
- Is coverage determined by price?
- Do they carry Errors and Omissions coverage?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are they primarily personal or commercial lines agents in Baltimore?
Below is a list of car insurance companies in Baltimore that may be able to provide rate quotes for Cadillac Escalade ESV insurance in Baltimore.
Allstate Insurance: Jim Craig
2829 O’Donnell St – Baltimore, MD 21224 – (410) 522-6100 – View Map
GEICO Insurance Agent
7915 Belair Rd – Baltimore, MD 21236 – (410) 882-8200 – View Map
Allied Insurance Agency
7840 Eastern Ave – Baltimore, MD 21224 – (410) 282-1111 – View Map
Tamara Thomson – State Farm Insurance Agent
7823 Wise Ave – Baltimore, MD 21222 – (410) 282-7283 – View Map
Baltimore car insurance companies
Picking the right insurance provider can be rather challenging considering how many different insurance companies sell coverage in Maryland. The information displayed below can help you decide which companies to look at comparing price quotes from.
Top 10 Baltimore Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Baltimore Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance