Affordable Insurance for a Cadillac Escalade in Bakersfield

It goes without saying that insurance companies don’t want their policyholders to compare prices. Drivers who rate shop once a year are highly likely to move their business because of the good chance of finding discount prices. A recent car insurance study revealed that drivers who routinely shopped around saved approximately $72 a month compared to those who don’t regularly compare prices.

If finding low prices for Cadillac Escalade insurance is the reason you’re reading this, then knowing how to compare insurance rates can make it easier for you to save money.

Discount Cadillac Escalade insuranceThe recommended way to find more affordable auto insurance rates is to begin comparing prices regularly from different companies who provide car insurance in Bakersfield. Price quotes can be compared by following these guidelines.

Step 1: Take a little time to learn about how car insurance works and the measures you can take to keep rates down. Many policy risk factors that cause high rates such as careless driving and an unacceptable credit rating can be controlled by making lifestyle changes or driving safer.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Allstate, while agents who are independent can quote rates for a wide range of insurance providers.

Step 3: Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you find a better price, ensure there is no coverage lapse between policies.

Step 4: Tell your current agent or company of your intent to cancel the current policy. Submit a completed policy application and payment for the new coverage. Once coverage is bound, safely store the proof of insurance certificate above your visor, in the console, or in the glove compartment.

An important note is that you use the same coverage limits and deductibles on every price quote and and to get price quotes from all possible companies. Doing this provides a level playing field and the best price selection.

Best companies for Cadillac Escalade insurance

The companies shown below provide free quotes in Bakersfield, CA. If more than one company is shown, we suggest you visit two to three different companies to find the lowest car insurance rates.

Cadillac Escalade coverage statistics

The rate information displayed next covers detailed analysis of insurance premium costs for Cadillac Escalade models. Knowing how insurance premiums are formulated is important for you to make decisions when shopping around.

Cadillac Escalade Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $374 $616 $564 $34 $168 $1,756 $146
Escalade Luxury Edition 2WD $374 $616 $564 $34 $168 $1,756 $146
Escalade 4WD $374 $616 $564 $34 $168 $1,756 $146
Escalade Premium Edition 4WD $408 $616 $564 $34 $168 $1,790 $149
Escalade Luxury Edition 4WD $408 $616 $564 $34 $168 $1,790 $149
Escalade Premium Edition 2WD $408 $616 $564 $34 $168 $1,790 $149
Escalade Hybrid 2WD $408 $778 $510 $30 $152 $1,878 $157
Escalade Hybrid 4WD $408 $778 $510 $30 $152 $1,878 $157
Escalade Platinum Edition 2WD $408 $698 $564 $34 $168 $1,872 $156
Escalade Platinum Edition 4WD $408 $698 $564 $34 $168 $1,872 $156
Escalade Hybrid Platinum 2WD $442 $860 $510 $30 $152 $1,994 $166
Escalade Hybrid Platinum 4WD $442 $860 $510 $30 $152 $1,994 $166
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in Bakersfield location which can alter prices greatly.

What Affects Cadillac Escalade Insurance Costs?

Consumers need to have an understanding of some of the elements that are used to determine insurance rates. If you have some idea of what determines base rates, this allows you to make educated decisions that could result in cheaper rates. Many things are taken into consideration when premium rates are determined. Some are pretty understandable such as traffic violations, although some other factors are not quite as obvious such as your credit history or your financial responsibility.

Cheaper Bakersfield insurance rates with discounts

Not many people think insurance is cheap, but you may be missing some discounts that you may not know about. Many discounts should be triggered when you purchase, but some need to be manually applied in order for you to get them.Save money with discounts

Keep in mind that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

The example below compares Cadillac Escalade car insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no claims or violations, California 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 marriage, safe-driver, multi-policy, homeowner, multi-car, and claim-free discounts applied.

Popular insurance companies and the discounts they provide are included below.

When comparing rates, check with all companies you are considering what discounts are available to you. Some discounts listed above might not apply in every state. To choose providers with discount insurance rates in California, click this link.

Are insurance agents a thing of the past?

A lot of people prefer to talk to an insurance agent and that is recommended in a lot of cases Professional agents can help you build your policy and help submit paperwork. One of the benefits of price shopping on the web is that you can obtain cheaper rates and still have an agent to talk to.

Find insurance agent in BakersfieldOnce you complete this form (opens in new window), the coverage information is submitted to local insurance agents who will return price quotes for your insurance coverage. You won’t even need to contact an agency due to the fact that quote results will go to the email address you provide. If you want to quote rates from a specific auto insurance provider, just navigate to their website and fill out the quote form the provide.

Selecting an insurance company requires more thought than just a cheap price. Any good agent in Bakersfield should know the answers to these questions.

When searching for a local Bakersfield insurance agent, it’s important to understand the types of insurance agents and how they are distinctly different. Auto insurance agents are classified as either independent agents or exclusive agents. Both can sell and service auto insurance coverage, but we need to point out how they are different because it can influence your agent selection.

Exclusive Agents

Agents of this type can only quote rates from one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to compare other company’s rates so you might not find the best rates. Exclusive agents receive extensive training on their company’s products and that can be a competitive advantage.

The following is a list of exclusive insurance agencies in Bakersfield who can help you get price quote information.

1519 Eye StBakersfield, CA 93301(661) 872-8113View Map

4200 Easton Dr #1Bakersfield, CA 93309(661) 327-3486View Map

400 Chester AveBakersfield, CA 93301(661) 631-2420View Map

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Independent Auto Insurance Agents

Agents of this type are not restricted to one company and that is an advantage because they can write policies with many different companies and find you the best rates. If your agent finds better pricing, they can switch companies in-house and you stay with the same agent. When comparing rate quotes, you will want to get insurance quotes from several independent agencies for the best price selection.

Below are Bakersfield independent agencies that can give you price quotes.

5251 Office Park Dr #100Bakersfield, CA 93309(661) 398-2298View Map

4200 Truxtun Ave # 102Bakersfield, CA 93309(661) 327-8010View Map

2809 Unicorn Rd # 102Bakersfield, CA 93308(800) 221-3386View Map

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Shop smart and save

Throughout this article, we presented a lot of information how to lower your Cadillac Escalade insurance rates in Bakersfield. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper Bakersfield auto insurance quotes. Drivers may even discover the best price on insurance is with the smaller companies. These smaller insurers may only write in your state and offer lower car insurance rates than their larger competitors like State Farm or Progressive.

Cost effective Cadillac Escalade insurance can be bought on the web in addition to many Bakersfield insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer rate quotes online and these smaller providers provide coverage only through local independent agencies.

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