Affordable Insurance for a Cadillac Escalade ESV in Los Angeles

Insurance rates Cadillac Escalade ESV in Los AngelesCutting costs on Cadillac Escalade ESV insurance in Los Angeles is always quite difficult for drivers who are beginners to buying insurance online. Since there are so many insurers available, it can quickly become a burden to find more affordable prices in California.

Unimaginable but true, the vast majority of insurance customers have stayed with the same insurance company for at least four years, and just short of a majority have never quoted rates to find affordable coverage. With the average premium in California being $1,390, drivers could cut their rates by 35% a year just by comparing rates, but they mistakenly think it’s difficult to compare rate quotes.

If you are already insured, you stand a good chance to be able to shop for the lowest rates using the tips covered below. The goal of this article is to familiarize you with how to get online quotes and how you can save the most money. Although California vehicle owners do need to know the methods companies use to calculate their prices because it varies considerably.

What Determines Cadillac Escalade ESV Insurance Rates?

Multiple criteria are used when you quote your car insurance policy. Some are pretty understandable such as your driving history, but others are not as apparent like where you live or your vehicle rating.

Listed below are some of the most common factors used by your company to calculate premiums.

When price shopping your coverage, having more price comparisons provides better odds of finding a better price.

The companies shown below offer price comparisons in Los Angeles, CA. If several companies are displayed, we recommend you visit several of them to get the cheapest price.

Rate information and statistics

The table displayed next covers estimates of insurance prices for Cadillac Escalade ESV models. Having a better idea how insurance policy rates are established helps drivers make decisions on the best policy to buy.


Cadillac Escalade ESV Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV 4WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Luxury Edition 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Premium Edition 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Luxury Edition 4WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Premium Edition 4WD $456 $712 $442 $26 $132 $1,768 $147
Escalade ESV Platinum Edition 2WD $456 $712 $442 $26 $132 $1,768 $147
Escalade ESV Platinum Edition 4WD $456 $712 $442 $26 $132 $1,768 $147
Get Your Own Customized Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in zip code location which can increase or decrease coverage prices greatly.

Physical damage deductibles

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The following insurance rates may help to conceptualize the rate difference when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.


Cadillac Escalade ESV insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $576 $932 $442 $26 $132 $2,133 $178
Escalade ESV 4WD $576 $932 $442 $26 $132 $2,133 $178
Escalade ESV Luxury Edition 2WD $576 $932 $442 $26 $132 $2,133 $178
Escalade ESV Premium Edition 2WD $576 $932 $442 $26 $132 $2,133 $178
Escalade ESV Luxury Edition 4WD $576 $932 $442 $26 $132 $2,133 $178
Escalade ESV Premium Edition 4WD $624 $1054 $442 $26 $132 $2,303 $192
Escalade ESV Platinum Edition 2WD $624 $1054 $442 $26 $132 $2,303 $192
Escalade ESV Platinum Edition 4WD $624 $1054 $442 $26 $132 $2,303 $192
Get Your Own Customized Quote Go

Cadillac Escalade ESV insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV 4WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Luxury Edition 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Premium Edition 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Luxury Edition 4WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Premium Edition 4WD $456 $712 $442 $26 $132 $1,768 $147
Escalade ESV Platinum Edition 2WD $456 $712 $442 $26 $132 $1,768 $147
Escalade ESV Platinum Edition 4WD $456 $712 $442 $26 $132 $1,768 $147
Get Your Own Customized Quote Go

Data assumes 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, multi-vehicle, and claim-free. Table data does not factor in vehicle garaging location which can impact price quotes considerably.

Based on this data, using a $100 deductible would cost the average driver about $42 more each month or $504 every year averaged for all Escalade ESV models than buying the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 10 months between claims, you would probably come out ahead if you opt for a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $183
Average monthly premium for $500 deductibles (subtract): – $141
Monthly savings from raising deductible: $42
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $42
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

The diagram below shows how choosing a deductible and can change Cadillac Escalade ESV yearly insurance costs for different age groups of insureds. The premiums assume a single female driver, comp and collision included, and no discounts are factored in.

Illustration showing the impact of accidents and violations

The diagram below illustrates how speeding tickets and at-fault fender-benders impact Cadillac Escalade ESV insurance costs for each different age category. The information is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Cadillac Escalade ESV insurance premiums by gender and age

The information below shows the difference between Cadillac Escalade ESV insurance prices for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no discounts are applied.

Does it make sense to buy full coverage?

The chart below illustrates the difference between Cadillac Escalade ESV insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no set guideline of when to stop paying for physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Cadillac Escalade ESV settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $3,000 after paying your policy deductible. If you are paying in excess of $300 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you have to keep 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 buy liability only.

Why do I need car insurance?

Despite the high cost, paying for auto insurance serves a purpose in several ways.

The benefits of carrying enough insurance definitely exceed the price paid, especially with large liability claims. According to a recent study, the average American driver is overpaying over $855 a year so shop around at every renewal to be sure current rates are still competitive.

Get cheaper Cadillac Escalade ESV insurance in Los Angeles with discounts

Some providers don’t list their entire list of discounts in a way that’s easy to find, so below is a list some of the more common in addition to some of the lesser obvious credits available to bring down your rates. If you are not receiving all the discounts available, you are throwing money away.Save money with discounts

It’s important to note that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

The illustration below compares Cadillac Escalade ESV insurance prices with and without policy discounts. The prices are based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, multi-car, and homeowner discounts applied.

The best auto insurance companies and a summarized list of policyholder discounts can be read below.

Double check with each company or agent which discounts can lower your rates. Some credits may not apply to policies in Los Angeles.

Buying car insurance from Los Angeles insurance agencies

Many drivers still prefer to buy from a licensed agent and that is a personal choice. One of the benefits of comparing insurance prices online is that drivers can save money and get cheaper auto insurance rates and also buy local.

To find an agent, once you fill out this short form, the coverage information gets sent to agents in your area who will gladly provide quotes and help you find cheaper coverage. You never need to search for any insurance agencies due to the fact that quote results will go instantly to you. Get lower rates and work with a local agent. If you have a need to compare rates from a specific car insurance provider, just navigate to their website to submit a rate quote request.

Finding the right provider should depend on more than just a cheap price. Any good agent in Los Angeles should know the answers to these questions.

The different types of auto insurance agents

If you need to find a local Los Angeles insurance agent, you should know the types of agencies and how they can service your needs differently. Los Angeles agents may be either exclusive agents or independent agents.

Exclusive Agencies

Agents in the exclusive channel normally can only provide a single company’s rates and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to place coverage with different providers so you might not find the best rates. Exclusive agents are well trained in insurance sales which helps offset the inability to provide other markets. Many people use the same agent mainly due to the brand name rather than low price.

The following are Los Angeles exclusive insurance agencies that can give you price quote information.

View more Los Angeles agents

Independent Car Insurance Agencies

Agents that elect to be independent are not locked into one company and that allows them to write policies with lots of companies and possibly get better coverage at lower prices. If prices rise, the agent simply finds a different carrier which requires no work on your part.

When comparing car insurance rates, you will definitely want to include price quotes from independent agents to get the best comparison. Many write coverage with lesser-known insurance companies which can be an advantage.

The following are independent agents in Los Angeles willing to provide rate quotes.

View more Los Angeles agents

After receiving good responses to your questions and a good coverage price, it’s a good possibility that you have found an insurance agency that is professional and can adequately provide car insurance.

Car insurance can get complicated

Always keep in mind that when comparing coverage online or from an agent, there really is no one-size-fits-all type of policy. Everyone’s situation is a little different.Drive safe and save

For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

What is YOUR best insurance company?

When getting Los Angeles car insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced collision coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at the best price, but do not skimp to save money.

We covered many ways to compare Cadillac Escalade ESV insurance prices in Los Angeles. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest prices are with some of the smallest insurance companies.

Lower-priced Cadillac Escalade ESV insurance in Los Angeles can be purchased from both online companies in addition to many Los Angeles insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not provide online quoting and most of the time these smaller providers sell through local independent agents.

More articles