Cadillac Escalade ESV Insurance Rate Quotes in Long Beach

A recent survey discovered that a large majority of consumers have been with the same company for at least four years, and almost half have never compared rates to find affordable insurance. Most drivers in California could save an average of up to $469 each year just by shopping around, but most just don’t grasp the benefits if they moved their coverage to a different company.

The best way to quote cheaper car insurance rates is to regularly compare price quotes from companies who sell auto insurance in Long Beach. You can shop around by completing these steps.

1. Try to understand how companies set rates and the factors you can control to lower rates. Many risk factors that result in higher rates like speeding and poor credit can be controlled by making minor changes in your lifestyle. This article provides more ideas to get low prices and find hidden discounts.
2. Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from many different companies. Start a quote
3. Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you find better rates and change companies, make sure there is no coverage gap between policies.
4. Give proper notification to your current agent or company to cancel your current coverage and submit the signed application along with the required initial payment to your new carrier. As soon as you have the new policy, keep your new proof of insurance paperwork with your registration paperwork.

An important note is to try to compare similar coverage information on each price quote and to quote with as many companies as possible. This provides an apples-to-apples comparison and the best rate selection.

The purpose of this article is to familiarize you with how car insurance works and how to save the most money. If you’re already insured, you will surely be able to find better prices using the tips covered below. Drivers just need to know the fastest way to compare different rates instantly.

The companies shown below provide quotes in Long Beach, CA. In order to find cheap auto insurance in Long Beach, CA, we recommend you visit several of them to find the cheapest car insurance rates.

Rates and detailed analysis

The rate table below covers a range of insurance rates for Cadillac Escalade ESV models. Learning how auto insurance premiums are formulated can help guide drivers when making informed decisions when comparing rates.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in garaging location in Long Beach which can modify coverage prices substantially.

Higher deductibles lower rates

A question often asked by Long Beach drivers is at what level do you set your deductibles. The data tables below sum up the differences in price between high and low comp and collision deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific location which can lower or raise prices greatly.

We can estimate from the data above that using a $250 deductible costs about $24 more each month or $288 a year than selecting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 10 months between claims, you would probably be better off by selecting a higher deductible.

The chart below illustrates how choosing a deductible and can increase or decrease Cadillac Escalade ESV insurance costs for different age groups. The price estimates are based on a single female driver, full coverage, and no discounts are applied to the premium.

Rate comparison of full coverage and liability-only

The information below shows the difference between Cadillac Escalade ESV insurance prices when comparing full coverage to liability only. The rate quotes are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are applied.

When to switch to liability coverage only

There is no clear-cut rule to stop buying physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more 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 say your Cadillac Escalade ESV replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If it’s costing in excess of $200 annually for full coverage, then it might be time to consider dropping full coverage.

There are some cases where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not drop full coverage.

Protect your vehicle and other assets

Despite the fact that car insurance is not cheap in Long Beach, insurance is required in California but it also protects you in many ways.

First, the majority of states have minimum liability requirements which means you are required to carry a minimum amount of liability if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your vehicle has a lienholder, more than likely the lender will require you to have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may insure your Cadillac for a lot more money and force you to pay the higher price.

Third, insurance safeguards your vehicle and your assets. It will also cover medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance more than cancel out the cost, especially if you ever need it. Despite what companies tell you, the average driver overpays more than $750 every year so compare quotes from several companies each time the policy renews to make sure the price is not too high.

The Cadillac Escalade ESV Insurance Price Equation

An important part of buying insurance is that you know a few of the rating criteria that help determine the level of your policy premiums. If you understand what influences your rates, this empowers consumers to make smart changes that will entitle you to better insurance rates. Multiple criteria are used when you get your auto insurance bill. Most are fairly basic such as your driving record, although others are not as apparent such as your credit history and annual miles driven.

• Policy add-ons add up – There are quite a few extra coverages that can add up but may not be useful. Add-on coverages like roadside assistance, towing, and Farm Bureau memberships could be just wasting money. They may seem good at first, but if you have no use for them get rid of them and save.

• Vehicle risk affects rates – The make and model of the vehicle you are trying to find cheaper insurance for makes a significant difference in your rates. The lowest rates are for lower performance four cylinder passenger models, but the final cost of insurance is determined by many other factors.

  The chart below uses these variables: single male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It illustrates Cadillac Escalade ESV policy rates compared to other models of vehicles that have a range of performance rating factors.

• Lower rates with no policy lapses – Driving with no insurance can get you a ticket and insurance companies will penalize you for letting your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with the California department of motor vehicles.
• Getting married equates to better rates – Your spouse helps lower the price on your insurance policy. Having a spouse may mean you are less irresponsible and it’s statistically proven that drivers who are married file infrequent claims.

• Insurance loss data for Cadillac Escalade ESV vehicles – Insurers take into consideration insurance loss statistics for every vehicle when determining insurance prices. Models that statistically have a higher amount or frequency of claims will cost more to insure. The table below illustrates the historical insurance loss data for Cadillac Escalade ESV vehicles.

  For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is a value of 100. Values that are 100 or less are indicative of better than average losses, while numbers above 100 point to more claims or an increased chance of larger losses than average.

  
  

  Car Insurance Loss Data for Cadillac Escalade ESV Models

  Specific Cadillac Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  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

Get cheaper Cadillac Escalade ESV insurance in Long Beach with discounts

Some companies don’t always advertise every discount available very clearly, so we break down a few of the more well known as well as the least known credits available to bring down your rates.

• Safety Course Discount – Completing a course in defensive driver could earn you a small percentage discount if you qualify.
• Multiple Policy Discount – If you combine your auto and home policies and place coverage with the same company you could save up to 20% off your total Escalade ESV insurance premium.
• Anti-lock Brake Discount – Vehicles with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
• Drive Less and Save – Low mileage vehicles could be rewarded with slightly better rates than normal.
• Student Driver Training – Cut your cost by having your teen driver successfully take a driver’s education course as it will make them better drivers and lower rates.
• Sign Early and Save – Some companies reward drivers for renewing your policy before your current expiration date. It’s a savings of about 10%.
• Senior Citizen Rates – Seniors can possibly qualify for better insurance rates.
• Memberships – Being in a professional or civic organization could qualify you for a break on your policy.
• Long Beach Homeowners Pay Less – Just being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home demonstrates responsibility.
• Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save a little off the PIP or medical payment premium.

Just know that some credits don’t apply to the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, you won’t be that lucky.

The chart below compares Cadillac Escalade ESV car insurance rates with and without discounts applied to the policy rates. Data assumes a male driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, multi-policy, homeowner, and claim-free discounts applied.

To see a list of companies who offer discounts in California, click here.

When should I get advice from a local insurance agent?

Some consumers would rather buy from a licensed agent and doing that can be a smart decision Agents are trained risk managers and help submit paperwork. One of the best bonuses of comparing car insurance online is you can get cheap car insurance quotes and still choose a local agent. And supporting neighborhood insurance agencies is important especially in Long Beach.

To help locate an agent, after submitting this quick form, your insurance data is emailed to local insurance agents who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to search for an agent because quoted prices will be sent immediately to you. If you have a need to quote rates from a specific insurance company, feel free to navigate to their website and complete a quote there.

If you need to find a good Long Beach insurance agent, there are a couple of different agency structures and how they can quote your rates. Car insurance agents in Long Beach may be either exclusive or independent. Both insure your vehicles properly, but it is a good idea to know the difference in how they write coverage since it may influence the selection process.

Independent Car Insurance Agencies

Agents of this type can sell policies from many different companies so as a result can place your coverage with many different companies and get the cheapest rates. If prices rise, your agent can just switch to a different company which requires no work on your part. If you need cheaper car insurance rates, you will definitely want to check rates from independent agents to have the best price comparison. Most have the option of insuring with less well-known companies that may provide cheaper car insurance rates.

The following is a list of independent agents in Long Beach that can give you rate quotes.

• Fox Benefits Insurance Agency
  5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 – View Map
• Kelly Williams Insurance Agency, Inc.
  4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map
• Priscilla Vallejos Insurance Agency
  2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259 – View Map

View more Long Beach agents

Exclusive Car Insurance Agencies

These agents generally can only insure with one company and examples are Farmers Insurance and State Farm. Exclusive agencies are unable to compare rates from other companies so they really need to provide good service. These agents receive a lot of sales training on sales techniques and that enables them to sell even at higher rates. Consumers often use the same exclusive agent mostly because of the prominence of the brand rather than having low rates.

Shown below is a short list of exclusive agencies in Long Beach willing to provide price quotes.

• Ed Ratleff – State Farm Insurance Agent
  1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map
• Farmers Insurance – Troy Kelly
  5353 E 2nd St #207 – Long Beach, CA 90803 – (562) 434-0301 – View Map
• Farmers Insurance: Peter Long
  818 E Anaheim St #220 – Long Beach, CA 90813 – (562) 951-1813 – View Map

View more Long Beach agents

Deciding on an insurance agency should depend on more than just the price. These are some questions your agent should answer.

• Do they review policy coverages at every renewal?
• Do they see any coverage gaps in your plan?
• How is replacement cost determined on your vehicle?
• Do they offer rental car reimbursement?
• Do they write coverage based solely on cost?
• How much will you save each year by using a higher deductible?

What is the best car insurance company in Long Beach?

Choosing the best car insurance company can be rather challenging considering how many different companies there are to choose from in California. The information in the lists below may help you select which car insurance companies to look at comparing prices from.

Top 10 Long Beach Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Top 10 Long Beach Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

In Summary

Budget-conscious Cadillac Escalade ESV insurance can be sourced from both online companies as well as from independent agents in Long Beach, so you should compare both to get a complete price analysis. Some insurance companies may not offer online rate quotes and many times these small insurance companies prefer to sell through local independent agencies.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Throughout this article, we presented a lot of information how to find cheap Cadillac Escalade ESV insurance in Long Beach. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from a small mutual company.

More resources

• What if I Can’t Find Coverage? (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for a Chevrolet Silverado in Long Beach? (FAQ)
• Choosing an Insurance Company (Insurance Information Institute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Bodily Injury Coverage (Liberty Mutual)