Affordable Cadillac Escalade Insurance in Austin

Do you want more competitive Cadillac Escalade insurance in Austin? I doubt anyone likes having to buy insurance, especially knowing they are paying too much.

Discount Cadillac Escalade insuranceIt’s shocking but nearly 70% of consumers have purchased from the same company for at least the last four years, and approximately 40% of consumers have never taken the time to shop around. Many drivers in Texas could pocket $1,800 a year by just comparing quotes, but they don’t know the big savings they would realize if they switched to a cheaper policy.

Having so many options for buying cheap insurance for a Cadillac Escalade in Austin, it is very difficult to find the cheapest insurer.

You need to get comparison quotes periodically because insurance prices are rarely the same from one policy term to another. Even if you got the lowest price on Cadillac Escalade insurance in Austin last year you can probably find a better rate now. Ignore everything you know about insurance because we’re going to demonstrate the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Cadillac Escalade insurance quotes comparison

Most larger insurance companies make it easy to get pricing on the web. Doing online quotes for Cadillac Escalade insurance in Austin doesn’t take much effort as you just enter your coverage preferences as requested by the quote form. After the form is submitted, the system will obtain credit information and your driving record and generates pricing information determined by many factors. Being able to quote online for Cadillac Escalade insurance in Austin makes it easy to compare insurance prices and it’s very important to have as many quotes as possible if you want to get the most affordable premium.

If you want to find out how much you can save on car insurance, compare rate quotes from the providers shown below. To compare your current rates, we recommend you duplicate the coverages just like they are on your policy. Using the same limits helps guarantee you are getting a price comparison based on the exact same insurance coverage.

The providers in the list below have been selected to offer quotes in Texas. If multiple companies are shown, we suggest you click on several of them to get a more complete price comparison.


Cadillac Escalade Insurance Estimates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $350 $666 $448 $26 $134 $1,624 $135
Escalade Luxury Edition 2WD $196 $360 $458 $28 $136 $1,178 $98
Escalade 4WD $286 $560 $538 $32 $162 $1,578 $132
Escalade Premium Edition 4WD $438 $774 $576 $34 $172 $1,994 $166
Escalade Luxury Edition 4WD $482 $788 $486 $28 $146 $1,930 $161
Escalade Premium Edition 2WD $382 $666 $448 $26 $134 $1,656 $138
Escalade Hybrid 2WD $382 $842 $404 $24 $122 $1,774 $148
Escalade Hybrid 4WD $428 $994 $452 $26 $136 $2,036 $170
Escalade Platinum Edition 2WD $496 $908 $476 $28 $142 $2,050 $171
Escalade Platinum Edition 4WD $384 $746 $538 $32 $162 $1,862 $155
Escalade Hybrid Platinum 2WD $382 $742 $440 $26 $132 $1,722 $144
Escalade Hybrid Platinum 4WD $614 $1120 $564 $34 $168 $2,500 $208
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in zip code location which can alter coverage rates noticeably.

Comparison of policy deductibles

A question often asked by Austin drivers is where should you set your physical damage deductibles. The figures shown below may help you to understand the rate differences when you choose different physical damage coverage deductibles. The first pricing table uses a $250 deductible and the second price grid uses a $500 deductible.


Cadillac Escalade insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $408 $672 $476 $28 $142 $1,751 $146
Escalade Luxury Edition 2WD $408 $672 $476 $28 $142 $1,751 $146
Escalade 4WD $408 $672 $476 $28 $142 $1,751 $146
Escalade Premium Edition 4WD $446 $672 $476 $28 $142 $1,789 $149
Escalade Luxury Edition 4WD $446 $672 $476 $28 $142 $1,789 $149
Escalade Premium Edition 2WD $446 $672 $476 $28 $142 $1,789 $149
Escalade Hybrid 2WD $446 $850 $430 $26 $128 $1,905 $159
Escalade Hybrid 4WD $446 $850 $430 $26 $128 $1,905 $159
Escalade Platinum Edition 2WD $446 $762 $476 $28 $142 $1,879 $157
Escalade Platinum Edition 4WD $446 $762 $476 $28 $142 $1,879 $157
Escalade Hybrid Platinum 2WD $484 $938 $430 $26 $128 $2,031 $169
Escalade Hybrid Platinum 4WD $484 $938 $430 $26 $128 $2,031 $169
Get Your Own Custom Quote Go

Cadillac Escalade insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $332 $542 $476 $28 $142 $1,520 $127
Escalade Luxury Edition 2WD $332 $542 $476 $28 $142 $1,520 $127
Escalade 4WD $332 $542 $476 $28 $142 $1,520 $127
Escalade Premium Edition 4WD $362 $542 $476 $28 $142 $1,550 $129
Escalade Luxury Edition 4WD $362 $542 $476 $28 $142 $1,550 $129
Escalade Premium Edition 2WD $362 $542 $476 $28 $142 $1,550 $129
Escalade Hybrid 2WD $362 $686 $430 $26 $128 $1,632 $136
Escalade Hybrid 4WD $362 $686 $430 $26 $128 $1,632 $136
Escalade Platinum Edition 2WD $362 $614 $476 $28 $142 $1,622 $135
Escalade Platinum Edition 4WD $362 $614 $476 $28 $142 $1,622 $135
Escalade Hybrid Platinum 2WD $394 $756 $430 $26 $128 $1,734 $145
Escalade Hybrid Platinum 4WD $394 $756 $430 $26 $128 $1,734 $145
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in specific Austin garaging location which can alter premiums substantially.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $22 more each month or $264 for a full year than buying the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 11 months between claims, you would come out ahead going with the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $250 deductibles: $155
Average monthly premium for $500 deductibles (subtract): – $133
Monthly savings from raising deductible: $22
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One big caveat is that raising deductibles to save money means you will have to pay more when you have a claim. That will force you to have enough money in the bank in the event you need to pay the deductible.

These discounts can lower your car insurance quotes

Some providers do not list every discount available in a way that’s easy to find, so we break down some of the best known and the harder-to-find discounts that you may qualify for.Cheaper car insurance with discounts

You can save money using discounts, but some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it appears you can get free auto insurance, company stockholders wouldn’t be very happy.

Popular car insurance companies and some of the discounts are detailed below.

When comparing rates, check with every insurance company the best way to save money. A few discounts may not apply in Austin.

Protect your Cadillac vehicle and other assets

Despite the high insurance cost for a Cadillac Escalade in Austin, maintaining insurance is a good idea for several reasons.

The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. But the average driver in Texas overpays as much as $820 a year so compare rate quotes at every renewal to help ensure money is not being wasted.

What insurance coverages do I need?

When buying a policy for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Every situation is different and a cookie cutter policy won’t apply.Safe vehicles cost less to insure
Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Local Austin auto insurance agents and car insurance

Some consumers just prefer to go talk to an agent and that can be a smart move One of the best bonuses of comparing insurance prices online is the fact that drivers can get cheap car insurance rates and still have a local agent. And buying from neighborhood insurance agencies is still important in Austin.

Insurance agents in AustinOnce you complete this quick form, your insurance coverage information gets sent to local insurance agents who will return price quotes for your insurance coverage. You don’t have to contact an agency since rate quotes are delivered directly to you. It’s the lowest rates and a licensed agent to talk to. If you wish to get a price quote from a specific company, you can always search and find their rate quote page to submit a rate quote request.

If you want a local insurance agency, it helps to know the two different agency structures and how they work. Car insurance agents can either be independent or exclusive.

Independent Agents

Independent agencies are normally appointed by many insurers and that allows them to write policies through lots of different companies and find you cheaper rates. If your agent finds better pricing, your agent can just switch to a different company and you don’t have to switch agencies. When shopping rates, you definitely need to get rate quotes from independent agents so that you have a good selection of quotes to compare.

Below are Austin independent insurance agencies that can possibly get you competitive price quotes.


4011 S 1st StAustin, TX 78745(512) 443-9700View Map


9809 Anderson Mill RdAustin, TX 78750(512) 250-5055View Map


8300 N Mopac Expy #105Austin, TX 78759(512) 524-8808View Map

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Exclusive Car Insurance Agents

Agents that elect to be exclusive normally can only provide a single company’s rates like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. These agents are well trained on their company’s products which helps overcome the inability to quote other rates.

Shown below are exclusive agents in Austin that are able to give comparison quotes.


3407 W Slaughter Ln bAustin, TX 78748(512) 441-3704View Map


9811 S IH 35 Frontage Rd #120Austin, TX 78744(512) 851-2539View Map


1200 W Howard Ln fAustin, TX 78753(512) 837-8818View Map

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Choosing an auto insurance agent should include more criteria than just the premium amount. These are some valid questions you should ask.