Would you like to find more competitive Cadillac Escalade insurance in Columbia? Searching for lower priced Columbia Cadillac Escalade insurance quotes might appear overwhelming for people that are not comfortable with quoting and comparing rates online. With such a large choice of insurers to choose from, how can people be able to compare every auto insurance company to find the best price?

Insurance for Cadillac EscaladeA recent survey discovered that almost 70% of insureds kept their policy with the same company for more than four years, and about 40% of consumers have never even shopped around for lower-cost coverage. Consumers in Columbia could save roughly $749 every year, but most tend to underestimate how much they could save if they changed companies.

It's a good habit to compare prices before your policy renews because prices are constantly changing. Even if you got the best price on Cadillac Escalade insurance in Columbia a couple years back you can probably find a better rate now. Block out anything you think you know about auto insurance because we're going to show you one of the quickest ways to lower your annual insurance bill.

Get cheaper rates on Cadillac Escalade insurance in Columbia with these insurance discounts

Car insurance can cost a lot, but you may be missing some discounts that you may not even know about. Many discounts should be triggered when you purchase, but a few must be manually applied in order for you to get them.Save money with discounts

Please keep in mind that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free insurance policy, that's just not realistic.

A few popular companies and a selection of discounts can be found below.

Before purchasing a policy, check with every company to apply every possible discount. Some credits may not apply in Columbia. If you would like to choose from a list of insurers offering insurance discounts in Columbia, follow this link.

To find the best car insurance rates, there are several ways to get quotes from many different South Carolina insurance companies. The quickest method to comparison shop involves getting comparison quotes online.

Just keep in mind that comparing all the rates in your area helps improve the odds of finding the best price. Some regional insurers cannot provide Columbia Escalade insurance quotes over the internet, so it's important to compare prices on coverage from those companies, too.

The companies shown below are our best choices to provide free rate quotes in Columbia, SC. If more than one company is shown, we suggest you visit two to three different companies to get the most affordable price.

Cadillac Escalade Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $298 $486 $426 $26 $128 $1,364 $114
Escalade Luxury Edition 2WD $256 $476 $448 $26 $134 $1,340 $112
Escalade 4WD $286 $512 $410 $24 $122 $1,354 $113
Escalade Premium Edition 4WD $274 $466 $576 $34 $172 $1,522 $127
Escalade Luxury Edition 4WD $494 $884 $576 $34 $172 $2,160 $180
Escalade Premium Edition 2WD $282 $380 $558 $34 $168 $1,422 $119
Escalade Hybrid 2WD $382 $890 $404 $24 $122 $1,822 $152
Escalade Hybrid 4WD $282 $478 $506 $30 $152 $1,448 $121
Escalade Platinum Edition 2WD $346 $692 $410 $24 $122 $1,594 $133
Escalade Platinum Edition 4WD $190 $356 $400 $24 $120 $1,090 $91
Escalade Hybrid Platinum 2WD $206 $438 $362 $22 $108 $1,136 $95
Escalade Hybrid Platinum 4WD $420 $824 $394 $24 $118 $1,780 $148
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease prices noticeably.

Full coverage rates vs. liability-only

The diagram below visualizes the comparison of Cadillac Escalade insurance prices with full physical damage coverage compared to only buying liability only. The costs are based on no accidents or driving violations, $250 deductibles, single male driver, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no clear-cut formula for eliminating full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Cadillac Escalade replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the deductible is paid. If it's costing in excess of $500 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Deductible analysis

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The data tables below determine the premium difference when you choose different coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Cadillac Escalade insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $366 $602 $426 $26 $128 $1,573 $131
Escalade Luxury Edition 2WD $366 $602 $426 $26 $128 $1,573 $131
Escalade 4WD $366 $602 $426 $26 $128 $1,573 $131
Escalade Premium Edition 4WD $400 $602 $426 $26 $128 $1,607 $134
Escalade Luxury Edition 4WD $400 $602 $426 $26 $128 $1,607 $134
Escalade Premium Edition 2WD $400 $602 $426 $26 $128 $1,607 $134
Escalade Hybrid 2WD $400 $762 $386 $22 $116 $1,711 $143
Escalade Hybrid 4WD $400 $762 $386 $22 $116 $1,711 $143
Escalade Platinum Edition 2WD $400 $682 $426 $26 $128 $1,687 $141
Escalade Platinum Edition 4WD $400 $682 $426 $26 $128 $1,687 $141
Escalade Hybrid Platinum 2WD $434 $840 $386 $22 $116 $1,823 $152
Escalade Hybrid Platinum 4WD $434 $840 $386 $22 $116 $1,823 $152
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Cadillac Escalade insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $226 $380 $426 $26 $128 $1,186 $99
Escalade Luxury Edition 2WD $226 $380 $426 $26 $128 $1,186 $99
Escalade 4WD $226 $380 $426 $26 $128 $1,186 $99
Escalade Premium Edition 4WD $246 $380 $426 $26 $128 $1,206 $101
Escalade Luxury Edition 4WD $246 $380 $426 $26 $128 $1,206 $101
Escalade Premium Edition 2WD $246 $380 $426 $26 $128 $1,206 $101
Escalade Hybrid 2WD $246 $478 $386 $22 $116 $1,248 $104
Escalade Hybrid 4WD $246 $478 $386 $22 $116 $1,248 $104
Escalade Platinum Edition 2WD $246 $428 $426 $26 $128 $1,254 $105
Escalade Platinum Edition 4WD $246 $428 $426 $26 $128 $1,254 $105
Escalade Hybrid Platinum 2WD $268 $528 $386 $22 $116 $1,320 $110
Escalade Hybrid Platinum 4WD $268 $528 $386 $22 $116 $1,320 $110
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in vehicle garaging location which can revise rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $36 more each month or $432 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 21 months between claim filings, you would save more money if you elect the higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $139
Average monthly premium for $1,000 deductibles (subtract): - $103
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Insurance can get complicated

When choosing the best insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Your situation is unique and a cookie cutter policy won't apply.Higher deductibles save money These are some specific questions might point out if your situation could use an agent's help.

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

Buying car insurance from Columbia insurance agencies

Many drivers still like to talk to an insurance agent and that is a smart decision The best thing about comparing rate quotes online is that you can obtain the lowest rates and still choose a local agent. And supporting local insurance agencies is especially important in Columbia.

Find insurance agent in ColumbiaTo help locate an agent, after submitting this simple form, your insurance data is instantly submitted to companies in Columbia who can give free rate quotes for your coverage. There is no reason to contact any insurance agencies since rate quotes are delivered immediately to you. You can find better rates without the usual hassles of price shopping. If you have a need to get a price quote from one company in particular, you would need to search and find their rate quote page and submit a quote form there.

The following is a short list of car insurance companies in Columbia who can help you get price quote information for Cadillac Escalade insurance in Columbia.

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Finding a good company needs to be determined by more than just the quoted price. Here are some questions you might want to ask.

Affordable auto insurance prices are available

As you quote Columbia car insurance, it's not a good idea to skimp on coverage in order to save money. There have been many situations where someone dropped liability coverage limits and learned later that the savings was not a smart move. The ultimate goal is to buy enough coverage for the lowest cost, but don't skip important coverages to save money.

Low-cost Cadillac Escalade insurance in Columbia can be sourced on the web in addition to many Columbia insurance agents, and you should be comparing both to have the best selection. Some auto insurance companies don't offer online price quotes and most of the time these regional carriers only sell through independent agents.

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