Don’t Pay Luxury Prices for Cadillac Escalade Auto Insurance

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Things to Remember...
  • A Cadillac Escalade is not only expensive by retail standards, but it can also cost a pretty penny to protect each year, unless you make smart choices
  • The average cost to insure the standard base model with no additional features is approximately $2,106 per year
  • The Cadillac Escalade depreciates drastically during the course of a year; within five years, the amount can be as high as $35,344
  • After one year, you should reevaluate your current car insurance rates


If you are not paying luxury prices as a Cadillac Escalade auto insurance customer, you must be doing something right. This SUV is not only expensive by retail standards, but it can also cost a pretty penny to protect each year, unless you make smart choices.

Using a resource like the FREE quote finder on this page can help you find great car insurance rates when you enter your ZIP today!

It is a fact that the 2012 Cadillac Escalade is an expensive vehicle. However, you can acquire the level of car insurance you need without spending a fortune. You just need to be shrewd and educate yourself before making a costly mistake.

Ironically, when most people decide to purchase a top-of-the-line SUV like the Escalade, they already have an idea of the monetary responsibilities. After all, the sticker price alone can startle even the most stouthearted consumer.

Just do not assume this means you will automatically pay higher costs for coverage. If you have this mindset from the beginning, you may never receive a justified rate.

If you have your heart set on buying this SUV, your search for fair auto insurance prices may take some time. Of course, you will need to complete the standard quote process, but take it a few steps further.

Never settle for any estimate, until you do some serious comparison shopping.

You may even have to come up with several calculations including multiple levels of coverage, with different limits and deductibles. It will not be as easy as other kinds of vehicles, but it is possible.

Review Every Model and Sub-Model Available

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In 2012, the carmakers designed three sub-models for the Escalade, the Base SUV, the ESV Sport, and the Hybrid Sport and each has varying retail prices.

The Base SUV is the least expensive with an MSRP of $63,170. The ESV Sport is $65,770 and the Hybrid SUV is $73,850.

The Escalade also is available in two or four-wheel drive and for every slight change, the price increases. For example, the two-wheel drive options cost less than four-wheel drive.

The average cost to insure the standard base model with no additional features is approximately $2,106 per year.

When you contact each car insurance company for an inquiry, the quote may compare closely to this price due to the limited information most require.

Do not forget these are only estimates.

They probably have a formula to use for every manufacturer that only includes their basic models. It is easier and more cost-effective for an automobile insurance carrier to streamline their process with very few details to arrive at a price.

Only after you complete the actual application will you receive a final rate. However, this is a great starting point for you to begin your research.

Keep the Aftermarket Value in Mind

The Cadillac Escalade depreciates drastically during the course of a year; within five years, the amount can be as high as $35,344. This is something you must know and use to your advantage during your search for the best auto insurance prices.

Beginning with the first year, the value drops by $13,250. If you paid the base price of $63,060, your SUV is now worth $49,810. This is actually the price range of some of the other, less luxurious SUVs today.

This means, after one year, you should reevaluate your current car insurance rates. Your provider will not do this for you. The proactive approach will yield results, however.

During the next year, the depreciation amount continues to fall another $6,311, making the total value worth $43,499. The third year, you lose $5,961, the fourth year, $5,227 and the fifth year $4,595.

In reviewing these depreciation numbers, it seems logical that your car insurance rates should also decrease. By the fifth year, you should pay substantially lower annual premiums.

You could also simply invest in a previously owned Escalade that is one or two years old. This decision can easily warrant a lower price for car insurance because of the current value of the vehicle itself.

If you do select a brand new model, bear in mind that the decrease in auto insurance costs each year is contingent upon how you drive and the number of damage claims you file.

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Know the Typical Cost of Auto Insurance across the Country

Having knowledge of the cost of auto insurance across the country helps you tremendously. Certain resources, like those provided by the Insurance Networking team, advise that $1,561 is a fair price throughout the country.

This is not to say that some consumers will not pay more than others do, it simply means that your circumstances could dictate lower rates.

If you continue to read their site, they show how Michigan residents pay approximately $2,541 in annual auto insurance premiums. On the other hand, people living in Vermont only spend about $995 every year. This is a difference of $1,546.

If you continue to read their site, they show how Michigan residents pay approximately $2,541 in annual auto insurance premiums. On the other hand, people living in Vermont only spend about $995 every year. This is a difference of $1,546.

The mains reasons for the huge variance among state average costs seems to be due to state regulations and local driving hazards.

Sure, your driving record carries some weight on your individual premium, but state averages are based on minimum coverage requirements and the risk involved when driving in the area.

This means you should know what is going on with the state laws that regulate the insurance industry in your area.

 All of this information helps you when you have to deal with the folks at the car insurance companies because they already have this information.

They keep up to date with all of the changes and so should you. It only works in your favor when you know the reason behind their prices.

Purchase the Safest Model You Can Afford

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One of the main reasons the Escalade is so appealing is because it is so beautiful, from the interior to the exterior.

The outside design is exquisite, with chrome wheels and door handles, slightly tinted windows and a unique appearance. It is plush all around with leather and wood grain throughout the interior.

With so many things that appeal to the eye, it is easy to forget about safety.

However, if you want to make sure you get a great price for automobile insurance, you may want to focus on the standard security and safety features first.

When it comes to ratings, Consumer Reports provides a good snapshot of this vehicle. They offer both pros and cons, but the overall score of 88 out of 100 leans more towards excellence. SaferCar.gov also provides great scores, with an overall rating of four out of five stars.

The best scores were from front and side crash tests. These numbers should give you the confidence you need to be bold with auto insurance providers, especially during telephone calls.

As you discuss your options, make sure you mention the recent safety statistics associated with the Escalade. You want them to know that you completed the necessary research yourself and this qualifies you as an experienced consumer.

Never dwell on the negative results such as the rollover statistics. This is not a necessary part of the conversation.

Your job is to inform the car insurance representative or agent of the advantages. Let them know the reason for your decision is that you and your passengers feel safe, not because you like the way the vehicle looks.

Supreme Security Keeps Your Car Protected

The Escalade has superior security and everything is so easy to control that you will always know what goes on, even when your vehicle is outside of your line of sight.

For example, the mobile applications for your cell phone allow you access to specific controls inside the car. You can activate electrical devices and schedule maintenance with the touch of a button.

Escalade’s security features include technology to recover your car if stolen.One very special feature allows you to block the ignition and slow the vehicle down to assist any law enforcement officers with the capture of car thieves once they locate your car.

Skip the Extras and Purchase Protection Only Coverage

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The Cadillac Escalade has such exceptional standard owner benefits that you do not even need to consider certain options when you price auto insurance.

Most people skip the extras, like roadside assistance because they prefer to utilize AAA or another reliable company. However, they may pay the extra amount for car rental reimbursement, especially luxury car owners.

With the purchase of any Cadillac Escalade, you automatically receive this type of service with no additional cost.

This allows you to stay on top of any repairs requiring a day or two. You can simply call your dealership and arrange for transportation while they work on your vehicle.

Considering the cost of rental cars, the deposit, and per day charges, this is a very nice benefit; unlike some who only receive this option through their insurance provider.

When you become the owner of a luxury vehicle, like the Cadillac Escalade, you open your world up to new and exciting possibilities.

You also have additional financial obligations that many others may never understand, which may lead to some challenges you will have to face.

However, after careful planning and using the proper resources to learn about your car insurance options, you very might well come out ahead.

Take a minute or two to search for great car insurance rates when you add your ZIP code into the FREE quote tool now!

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