Save Money on Cadillac Escalade Insurance in Colorado Springs

Insurance rates Cadillac Escalade in Colorado SpringsIf you want to save the most money, the best way to get low-cost Cadillac Escalade insurance in Colorado Springs is to start comparing prices yearly from different companies in Colorado. You can shop around by following these steps.

One thing to point out is to make sure you enter the same deductibles and limits on every quote request and and to get price quotes from as many companies as possible. This guarantees an accurate price comparison and a complete price analysis.

It’s easy to assume that insurance companies want to keep you from shopping around. Insureds who shop around for cheaper price quotes will presumably buy a new policy because there is a good chance of finding a cheaper policy. Remarkably, a study showed that drivers who routinely shopped for cheaper coverage saved $860 a year compared to drivers who never compared prices.

If finding the best price on Cadillac Escalade insurance is the reason for your visit, then having some knowledge of how to shop for insurance coverage can help make the process easier.

Best companies for Cadillac Escalade insurance

The companies shown below offer price comparisons in Colorado Springs, CO. If multiple companies are listed, we recommend you visit two to three different companies in order to find the cheapest rates.

Coverage information

The price information displayed below outlines a range of insurance premium costs for Cadillac Escalade models. Being able to understand how insurance prices are calculated is important for drivers to make decisions on the best policy coverages.


Cadillac Escalade Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $324 $608 $496 $30 $148 $1,606 $134
Escalade Luxury Edition 2WD $324 $608 $496 $30 $148 $1,606 $134
Escalade 4WD $324 $608 $496 $30 $148 $1,606 $134
Escalade Premium Edition 4WD $354 $608 $496 $30 $148 $1,636 $136
Escalade Luxury Edition 4WD $354 $608 $496 $30 $148 $1,636 $136
Escalade Premium Edition 2WD $354 $608 $496 $30 $148 $1,636 $136
Escalade Hybrid 2WD $354 $768 $448 $26 $134 $1,730 $144
Escalade Hybrid 4WD $354 $768 $448 $26 $134 $1,730 $144
Escalade Platinum Edition 2WD $354 $688 $496 $30 $148 $1,716 $143
Escalade Platinum Edition 4WD $354 $688 $496 $30 $148 $1,716 $143
Escalade Hybrid Platinum 2WD $384 $848 $448 $26 $134 $1,840 $153
Escalade Hybrid Platinum 4WD $384 $848 $448 $26 $134 $1,840 $153
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease coverage prices significantly.

An analysis of deductible level

When buying car insurance, a common question is how high or low should comp and collision deductibles be. The figures shown below may help to conceptualize how much more rates are when you choose different physical damage coverage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.


Cadillac Escalade insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $420 $740 $440 $26 $132 $1,783 $149
Escalade Luxury Edition 2WD $420 $740 $440 $26 $132 $1,783 $149
Escalade 4WD $420 $740 $440 $26 $132 $1,783 $149
Escalade Premium Edition 4WD $458 $740 $440 $26 $132 $1,821 $152
Escalade Luxury Edition 4WD $458 $740 $440 $26 $132 $1,821 $152
Escalade Premium Edition 2WD $458 $740 $440 $26 $132 $1,821 $152
Escalade Hybrid 2WD $458 $936 $396 $24 $118 $1,957 $163
Escalade Hybrid 4WD $458 $936 $396 $24 $118 $1,957 $163
Escalade Platinum Edition 2WD $458 $838 $440 $26 $132 $1,919 $160
Escalade Platinum Edition 4WD $458 $838 $440 $26 $132 $1,919 $160
Escalade Hybrid Platinum 2WD $496 $1032 $396 $24 $118 $2,091 $174
Escalade Hybrid Platinum 4WD $496 $1032 $396 $24 $118 $2,091 $174
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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 $232 $390 $440 $26 $132 $1,220 $102
Escalade Luxury Edition 2WD $232 $390 $440 $26 $132 $1,220 $102
Escalade 4WD $232 $390 $440 $26 $132 $1,220 $102
Escalade Premium Edition 4WD $254 $390 $440 $26 $132 $1,242 $104
Escalade Luxury Edition 4WD $254 $390 $440 $26 $132 $1,242 $104
Escalade Premium Edition 2WD $254 $390 $440 $26 $132 $1,242 $104
Escalade Hybrid 2WD $254 $492 $396 $24 $118 $1,284 $107
Escalade Hybrid 4WD $254 $492 $396 $24 $118 $1,284 $107
Escalade Platinum Edition 2WD $254 $442 $440 $26 $132 $1,294 $108
Escalade Platinum Edition 4WD $254 $442 $440 $26 $132 $1,294 $108
Escalade Hybrid Platinum 2WD $276 $544 $396 $24 $118 $1,358 $113
Escalade Hybrid Platinum 4WD $276 $544 $396 $24 $118 $1,358 $113
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in garaging location in Colorado Springs which can modify insurance rates substantially.

Based on this data, using a $100 deductible will cost you roughly $52 more each month or $624 for a full year averaged for all Escalade models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 17 months between claim filings, you would save money if you opt for a higher deductible.

The diagram below shows how different deductible levels and can influence Cadillac Escalade insurance prices for different age groups of insureds. The premium estimates are based on a single female driver, full coverage, and no other discounts are factored in.

Full coverage or liability only

The example below visualizes the comparison of Cadillac Escalade insurance costs with and without full coverage. The information is based on no claims or driving citations, $250 deductibles, drivers are single, and no discounts are factored in.

When to stop buying physical damage coverage

There is no specific rule for phasing out physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Cadillac Escalade replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying the physical damage deductible. If it’s costing you more than $600 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where only buying liability is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Why Informed Consumers Pay Less for Cadillac Escalade Insurance

Many different elements are part of the calculation when quoting car insurance. Some factors are common sense such as traffic violations, but other criteria are less obvious such as whether you are married or your vehicle rating.

Save with these premium slashing discounts

Some companies don’t always advertise all available discounts in an easy-to-find place, so below is a list both well-publicized and the more hidden discounts that you can inquire about if you buy Colorado Springs car insurance online.Save money with discounts

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you could get a free car insurance policy, companies don’t profit that way. But any discount will help lower your overall premium however.

The example below visualizes the comparison of Cadillac Escalade car insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, no claims or violations, Colorado state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, multi-policy, safe-driver, and homeowner discounts applied.

A partial list of companies that may offer most of these discounts are:

It’s a good idea to ask each company or agent to give you their best rates. Some credits may not be available in Colorado Springs. To choose car insurance companies that offer some of these discounts in Colorado, follow this link.

When to contact a local insurance agent

A small number of people still prefer to sit down with an agent and often times that is recommended Insurance agents can help you choose the best coverages and help submit paperwork. An additional benefit of getting free rate quotes online is that drivers can save money and get lower car insurance rates and still have an agent to talk to.

Once you complete this quick form, your insurance data is instantly submitted to participating agents in Colorado Springs that can provide free Colorado Springs car insurance quotes for your business. You never need to contact an agency because prices are sent to the email address you provide. In the event you want to get a comparison quote from a specific company, don’t hesitate to visit that company’s website and give them your coverage information.

Selecting an company requires you to look at more than just a cheap price. Here are some questions you might want to ask.

What type of Colorado Springs auto insurance agent is right for you?

When finding a local Colorado Springs insurance agency, you need to know there are two different types of agents and how they can quote your rates. Auto insurance agents in Colorado Springs can be categorized as either independent (non-exclusive) or exclusive. Either can handle auto insurance, but it is important to understand the subtle differences since it could factor into which agent you choose.

Exclusive Agencies

Exclusive agencies can only provide pricing for a single company such as Allstate and State Farm. Exclusive agents are unable to provide other company’s prices so keep that in mind. These agents are usually well trained on their products and sales techniques which helps them compete with independent agents.

Listed below are Colorado Springs exclusive agents willing to provide comparison quotes.


2606 Palmer Park BlvdColorado Springs, CO 80909(719) 630-1800View Map


4549 Austin Bluffs PkwyColorado Springs, CO 80918(719) 596-8812View Map


1710 S Circle DrColorado Springs, CO 80910(719) 900-7431View Map

More insurance agents

Independent Insurance Agents

These agents do not work for one specific company so as a result can place your coverage with multiple insurance companies depending on which coverage is best. If you want to switch companies, your agent can just switch to a different company without you having to go to a different agency. When comparing auto insurance prices, you will want to compare quotes from a few independent agents in order to have the best price comparison.

The following is a list of independent insurance agents in Colorado Springs that can give you comparison quotes.


5585 Erindale Dr #107Colorado Springs, CO 80918(719) 528-1884View Map


3485 Academy Blvd N Ste 101Colorado Springs, CO 80917(719) 599-9494View Map


2850 Serendipity Cir W #230Colorado Springs, CO 80917(719) 574-0082View Map

More insurance agents

Upon receiving good answers in addition to an acceptable price estimate, you may have found a car insurance agent that is professional and can properly service your auto insurance policy.

What is the best car insurance company in Colorado Springs?

Insuring your vehicle with the right auto insurance company can be challenging considering how many different companies sell coverage in Colorado. The company information displayed below can help you decide which insurers you want to consider comparing prices from.

Top 10 Colorado Springs Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

Top 10 Colorado Springs Car Insurance Companies Overall

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

Don’t give up on affordable rates

When buying insurance coverage, you should never reduce needed coverages to save money. In too many instances, someone sacrificed physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

We just presented many ways to get a better price on Cadillac Escalade insurance in Colorado Springs. The key thing to remember is the more quotes you get, the better chance you’ll have of finding the cheapest Cadillac Escalade rate quotes. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier. These companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

More detailed insurance information is available at these sites: