If you want to find the absolute lowest rates, then the best way to find low-cost car insurance rates is to regularly compare price quotes from providers who sell insurance in Baltimore. Price quotes can be compared by following these guidelines.
Step 1: It will benefit you to learn about the different coverages in a policy and the factors you can control to keep rates in check. Many things that increase rates like traffic citations, accidents, and a poor credit rating can be controlled by paying attention to minor details.
Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
Step 3: Compare the new rates to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote, make sure coverage does not lapse between policies.
Step 4: Tell your current agent or company of your intention to cancel your current coverage and submit the application along with any required down payment for the new coverage. Once received, keep the new proof of insurance paperwork with the vehicle registration.
The critical component of shopping around is to make sure you enter the same deductibles and limits on each quote and and to analyze as many companies as you can. Doing this guarantees a level playing field and the best rate selection.
Smart shoppers know that car insurance companies don’t want you shop around. Consumers who get comparison quotes at least once a year will probably buy a new policy because there is a significant possibility of finding a policy with more affordable rates. A study discovered that people who made a habit of comparing rates saved an average of $3,450 over four years compared to policyholders who never shopped around for lower prices.
If finding discount rates on car insurance is why you’re here, then learning a little about the best way to quote and compare coverages can make the process more efficient.
Cheap Cadillac insurance price quotes in Baltimore
The companies in the list below offer free rate quotes in Baltimore, MD. If you want to find the best cheap auto insurance in Baltimore, MD, it’s a good idea that you get price quotes from several of them to get a more complete price comparison.
Cadillac Escalade EXT insurance rates and statistics
The coverage table shown below outlines different insurance rates for Cadillac Escalade EXT models. Having knowledge of how auto insurance policy rates are figured can be useful when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade EXT 4WD | $462 | $796 | $414 | $24 | $124 | $1,820 | $152 |
| Escalade EXT Luxury Edition 4WD | $462 | $796 | $414 | $24 | $124 | $1,820 | $152 |
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific location which can influence coverage rates noticeably.
The information below shows how choosing a deductible and can influence Cadillac Escalade EXT annual premium costs for each different age category. The costs are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
Drive safe and save
The information below illustrates how violations and accidents drive up Cadillac Escalade EXT premium costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
Full coverage rates vs. liability-only
The diagram below visualizes the comparison of Cadillac Escalade EXT premium costs when comparing full coverage to liability only. The premium estimates are based on no claims or violations, $250 deductibles, single status, and no additional discounts are factored in.
When to buy liability coverage only
There is no exact formula of when to stop paying for comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Cadillac Escalade EXT replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If it’s costing you more than $500 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few situations where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Determine discounts on Baltimore auto insurance
Companies do not advertise all available discounts very well, so the list below contains a few of the more common and the more hidden credits that you can use to lower your rates.
- Discount for New Cars – Adding a new car to your policy can save you some money since new vehicles are generally safer.
- Full Payment Discount – By making one initial payment instead of making monthly payments you can avoid the installment charge.
- Air Bag Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of 25 to 30%.
- Responsible Driver Discounts – Drivers without accidents can pay as much as 50% less than drivers with accident claims.
- Claim Free – Good drivers with no accidents can earn big discounts compared to drivers with a long claim history.
- Save over 55 – Older drivers could receive a discount up to 10%.
- Driver Training Discounts – Completing a course in defensive driving could save 5% or more depending on where you live.
- Memberships – Belonging to a qualifying organization is a good way to get lower rates on your bill.
- Discount for Home Ownership – Just being a homeowner can save a few bucks since home ownership means you have a higher level of financial diligence.
As a disclaimer on discounts, some credits don’t apply to the whole policy. Most cut the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you could get a free auto insurance policy, it just doesn’t work that way.
The illustration below shows the difference between Cadillac Escalade EXT auto insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, no accidents or driving violations, Maryland state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, claim-free, homeowner, and marriage discounts applied.
Insurance companies who might offer some of the above discounts may include but are not limited to:
Check with every company to apply every possible discount. Some of the discounts discussed earlier might not be offered in every state.
Compare rate quotes but work with a local Baltimore insurance agency
Many drivers still like to sit down with an agent and that is recommended in a lot of cases Professional agents can help you choose the best coverages and help in the event of a claim. A good thing about comparing rate quotes online is the fact that drivers can get cheaper prices and still have an agent to talk to.
Upon completion of this short form, your information is instantly submitted to participating agents in Baltimore that provide free Baltimore car insurance quotes for your auto insurance coverage. It’s much easier because you don’t need to contact an agency because quoted prices will be sent straight to your inbox. If for some reason you want to get a rate quote from a specific auto insurance provider, just jump over to their website and complete a quote there.
Deciding on a company needs to be determined by more than just the quoted price. Any agent in Baltimore should be forthright in answering these questions:
- Are they primarily personal or commercial lines agents in Baltimore?
- Which family members are covered?
- Will the company cover a rental car if your car is getting fixed?
- Will their companies depreciate repairs to your car based on the mileage?
- Do you qualify for any additional discounts?
- Does their agency support local causes in Baltimore?
- What kind of financial rating does the company have?
- Is the agency covered by Errors and Omissions coverage?
When searching for a reliable insurance agency, there are a couple of types of insurance agents and how they differ in how they can insure your vehicles. Auto insurance agencies are either exclusive or independent (non-exclusive). Both sell and service auto insurance coverage, but it’s important to know the subtle differences because it can influence the selection process.
Exclusive Agencies
Exclusive insurance agents can only provide pricing for a single company like AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive a lot of sales training on their company’s products and that can be a competitive advantage. Some people will only buy from exclusive agents mainly due to the brand name rather than low rates.
Shown below are exclusive insurance agencies in Baltimore who can help you get price quotes.
- Allstate Insurance: John Fisher
7839 Eastpoint Mall Ste 4 – Baltimore, MD 21224 – (410) 285-8200 – View Map - Eve Hamper – State Farm Insurance Agent
1118 Light St A – Baltimore, MD 21230 – (410) 528-8900 – View Map - Allstate Insurance: Shanda Hayden
7200 Eastern Ave a – Baltimore, MD 21224 – (410) 282-7863 – View Map
Independent Auto Insurance Agencies
These type of agents are not restricted to one company so they can write business amongst many companies depending on which coverage is best. If they find a cheaper price, the agent simply finds a different carrier without you having to go to a different agency.
If you are comparing auto insurance prices, we highly recommend that you check rates from at least one independent agent to ensure the widest selection of prices. Most can insure with companies that do not advertise much that may have much lower rates than larger companies.
Below are independent insurance agents in Baltimore that are able to give comparison quotes.
- Luray Insurance of Baltimore
1726 Reisterstown Rd #220 – Baltimore, MD 21208 – (410) 602-2636 – View Map - Mason and Carter Inc
23 South St – Baltimore, MD 21202 – (410) 539-6767 – View Map - Baltimore Insurance Network
11 E Lexington St – Baltimore, MD 21202 – (443) 869-6424 – View Map
Best car insurance in Baltimore
Insuring your vehicle with the top company can be difficult considering how many different companies insure vehicles in Maryland. The company rank data below may help you choose which insurers you want to consider comparing rates with.
| 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
Different people need different insurance coverages
When quoting and choosing adequate coverage for your vehicles, there really isn’t a one size fits all plan. Each situation is unique so this has to be addressed.
For example, these questions may help highlight if your situation may require specific advice.
- Do I need to call my car insurance company before buying a new car?
- Why am I required to get a high-risk car insurance policy?
- Do I pay less for low miles?
- When can my company non-renew my policy?
- Do I need higher collision deductibles?
- Is a fancy paint job covered?
- How high should my medical payments coverage be?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Car insurance coverage breakdown
Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Cadillac Escalade EXT.
Since a lot of drivers only purchase the least amount of liability that is required (Maryland limits are 30/60/15), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision insurance covers things such as driving through your garage door, hitting a parking meter, crashing into a building, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible on your Escalade EXT to save money on collision insurance.
Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass, a broken windshield, damage from getting keyed and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Coverage for medical payments – Med pay and PIP coverage pay for bills for things like pain medications, hospital visits, funeral costs and nursing services. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability insurance – This will cover damage or injury you incur to other’s property or people. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 30/60/15 that translate to $30,000 in coverage for each person’s injuries, $60,000 for the entire accident, and $15,000 of coverage for damaged property.
Liability can pay for things like attorney fees, medical expenses, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is your choice, but consider buying higher limits if possible. Maryland requires minimum liability limits of 30/60/15 but you should think about purchasing more coverage.
The next chart shows why buying minimum limits may not be enough.
Persistent drivers can save
In this article, we covered many ways to shop for Cadillac Escalade EXT insurance online. The key thing to remember is the more you quote Baltimore car insurance, the better your chances of lowering your auto insurance rates. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower auto insurance rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.
The cheapest Cadillac Escalade EXT insurance in Baltimore can be purchased on the web in addition to local insurance agencies, so you should compare both to have the best rate selection. Some car insurance companies may not provide online price quotes and many times these smaller providers only sell through independent insurance agencies.
More tips and info about car insurance can be found by following these links:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Uninsured Drivers in Baltimore? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Over Age 50 in Baltimore? (FAQ)
- How Much is Auto Insurance for Handicapped Drivers in Baltimore? (FAQ)
- Who Has the Cheapest Baltimore Auto Insurance Quotes for a Nissan Altima? (FAQ)
- What Car Insurance is Cheapest for a Toyota Corolla in Baltimore? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Ford F-150 in Baltimore? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Coverage Information (Progressive Insurance)