It’s an obvious assumption that car insurance companies don’t want their customers to go rate shopping. People who shop around for better prices will presumably move their business because they stand a good chance of finding better rates. A recent survey found that people who compared rate quotes regularly saved approximately $3,500 over four years as compared to drivers who never shopped around for better prices.
If saving the most money on auto insurance in Kansas City is your intention, then knowing the best ways to find and compare insurance rates can make it simple to find affordable coverage.
The preferred way to find the cheapest price for Cadillac Escalade ESV insurance is to regularly compare price quotes from providers in Kansas City. Rate comparisons can be done by following these guidelines.
First, spend a few minutes and learn about how car insurance works and the things you can control to drop your rates. Many rating criteria that cause high rates such as accidents, careless driving, and a less-than-favorable credit rating can be rectified by making minor driving habit or lifestyle changes. This article gives information to get lower rates and find missing discounts.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple sources.
Third, compare the quotes to the premium of your current policy to determine if switching companies saves money. If you find better rates and switch companies, make sure coverage does not lapse between policies.
Fourth, tell your current company of your intent to cancel your existing policy. Submit the required down payment along with the signed application to the new insurer. When you receive it, place your new proof of insurance paperwork with the vehicle registration.
A good tip to remember is to make sure you’re comparing identical deductibles and limits on each quote request and and to get prices from as many different insurance providers as possible. This provides a fair price comparison and a complete selection of prices.
If you are already insured, you will most likely be able to reduce the price you pay using the following tips. Locating the best insurance company for you in Kansas City is much easier if you have a good place to start. But Missouri vehicle owners must comprehend the way insurance companies determine premium rates and use it to find better rates.
Best companies for cheap Cadillac Escalade ESV insurance in Missouri
The companies in the list below have been selected to offer comparison quotes in Missouri. If your goal is to find the best cheap car insurance in Kansas City, MO, it’s highly recommended you compare several of them to find the most competitive car insurance rates.
Insurance coverage details
The rate table displayed next covers different policy rates for Cadillac Escalade ESV models. Learning as much as possible about how auto insurance policy rates are determined can help guide drivers when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade ESV 2WD | $270 | $478 | $256 | $16 | $76 | $1,096 | $91 |
| Escalade ESV 4WD | $270 | $478 | $256 | $16 | $76 | $1,096 | $91 |
| Escalade ESV Luxury Edition 2WD | $270 | $478 | $256 | $16 | $76 | $1,096 | $91 |
| Escalade ESV Premium Edition 2WD | $270 | $478 | $256 | $16 | $76 | $1,096 | $91 |
| Escalade ESV Luxury Edition 4WD | $270 | $478 | $256 | $16 | $76 | $1,096 | $91 |
| Escalade ESV Premium Edition 4WD | $294 | $540 | $256 | $16 | $76 | $1,182 | $99 |
| Escalade ESV Platinum Edition 2WD | $294 | $540 | $256 | $16 | $76 | $1,182 | $99 |
| Escalade ESV Platinum Edition 4WD | $294 | $540 | $256 | $16 | $76 | $1,182 | $99 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in garaging location in Kansas City which can impact rates considerably.
The chart below shows how choosing a deductible and can raise or lower Cadillac Escalade ESV insurance premiums for different age groups of insureds. The rates are based on a married female driver, full physical damage coverage, and no discounts are factored in.
Rate comparison of full coverage and liability-only
The illustration below visualizes the comparison of Cadillac Escalade ESV annual premium costs with and without full coverage. The data assumes no violations or accidents, $500 deductibles, single marital status, and no discounts are factored in.
Are you wasting money on full coverage?
There is no definitive guideline that is best for determining when to drop full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your Cadillac Escalade ESV book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some cases where dropping full coverage is not a good plan. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.
What Determines Cadillac Escalade ESV Insurance Premiums?
Multiple criteria are considered when quoting car insurance. Some of the criteria are obvious such as your driving history, but other criteria are less obvious like where you live or how safe your car is.
The factors shown below are a few of the things used by insurance companies to determine rates.
Insurance rates and your vocation – Did you know your job can affect your rates? Occupations like lawyers, executives, and medical professionals tend to have the highest rates attributed to intense work situations and incredibly demanding work hours. Conversely, careers like actors, engineers and homemakers have the lowest average rates.
Being married reduces risk – Walking down the aisle may save some money compared to being single. Marriage may mean you are more financially stable and it’s proven that drivers who are married file infrequent claims.
Gaps in coverage mean higher premiums – Driving any period of time without insurance is illegal and companies may charge more for letting your coverage lapse. And not only will your rates increase, not being able to provide proof of insurance could earn you a license revocation or jail time.
Small frequent claims are not good – If you are a frequent claim filer, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Auto insurance companies in Missouri provide most affordable rates to people who only file infrequent claims. Insurance coverage is intended to be relied upon for more catastrophic claims.
How’s your driving record? – Whether or not you get tickets has a big impact on rates. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Getting just one driving citation may cause rates to rise by twenty percent. Drivers who have license-revoking citations like hit and run, DWI or reckless driving convictions may find that they have to to maintain a SR-22 with their state DMV in order to drive a vehicle legally.
The diagram below shows how violations and accident claims can raise Cadillac Escalade ESV auto insurance costs for different ages of insureds. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
Performance influences rates – The type of vehicle you need insurance for makes a significant difference in your rates. The cheapest rates are generally reserved for economy passenger cars, but many other things help determine your insurance rates.
The data below uses these variables: single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The data compares Cadillac Escalade ESV car insurance rates compared to other vehicles that have different performances.
Cadillac Escalade ESV claim data – Companies analyze the history of losses to help calculate premium rates. Vehicles that tend to have higher claim amounts or frequency will have higher premium rates. The table below illustrates the collected loss data for Cadillac Escalade ESV vehicles.
For each policy coverage type, the statistical loss for all vehicles, as a total average, is equal to 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while numbers that are greater than 100 point to more losses or an increased chance of larger losses than average.
| Vehicle Make and 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Kansas City insurance discounts for a Cadillac Escalade ESV
Not many people think insurance is cheap, but you may find discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but some must be inquired about before you get the savings. If you check and find you aren’t receiving every discount available, you are paying more than you should be.
- E-sign Discounts – A few larger online companies will give you a small discount for signing up on their website.
- Good Student – Being a good student may save you up to 25%. The discount lasts up to age 25.
- Drive Safe and Save – Drivers without accidents can pay as much as 50% less than their less cautious counterparts.
- Clubs and Organizations – Joining specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
- Claim-Free Discount – Insureds who avoid accidents and claims get the best car insurance rates as compared to policyholders that have many claims.
- Distant College Student Discount – College-age children who attend college more than 100 miles from Kansas City and do not have a car could qualify for this discount.
- Seat Belts Save – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
- Early Switch Discount – A few car insurance companies offer discounts for signing up prior to the expiration date on your current Escalade ESV insurance policy. Ten percent is about the average savings.
Don’t be shocked that some credits don’t apply to the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, you’re out of luck. But any discount will positively reduce your policy cost.
The information below shows the comparison of Cadillac Escalade ESV insurance costs with and without discounts applied. The price estimates are based on a female driver, no violations or claims, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, marriage, safe-driver, and multi-car discounts applied.
Some companies that may include these benefits include:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
It’s a good idea to ask each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area. To view insurance companies that provide some of the discounts listed above in Missouri, click this link.
Insurance agent or online?
A lot of people would prefer to buy from a local agent and often times that is recommended One of the great benefits of getting online price quotes is you may find the lowest rates but also keep your business local.
For easy comparison, once you complete this quick form, your insurance data is sent to companies in Kansas City who will give competitive quotes for your car insurance coverage. You never need to visit any agencies due to the fact that quote results will go straight to your inbox. You’ll get the best rates without requiring a lot of work. If for some reason you want to compare prices for a specific company, you just need to go to their quote page to submit a rate quote request.
Finding a good company is decision based upon more than just a low price. Ask your prospective agent these questions:
- Which companies do they recommend if they are an independent agency?
- Will the quote change when the policy is issued?
- Which company do they place the most coverage with?
- Will they give you a referral list?
- How long has the business existed?
- Are there any discounts that you might be missing?
- What is the agency’s Better Business Bureau rating?
Different types of car insurance agents in Kansas City
When finding a reputable insurance agent or broker, it helps to know the two different types of agents to choose from. Agents are either exclusive or independent.
Exclusive Agents
Exclusive agencies are contracted to one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained on what they offer which helps overcome the inability to quote other rates.
Shown below is a list of exclusive agents in Kansas City who can help you get comparison quotes.
Steve Basinger – State Farm Insurance Agent
11040 Holmes Rd #100 – Kansas City, MO 64131 – (816) 942-3288 – View Map
Jamie Bilton – State Farm Insurance Agent
10901 Hickman Mills Dr Ste D – Kansas City, MO 64137 – (816) 763-5444 – View Map
Allstate Insurance: Kelly Benbow
221 E Gregory Blvd b – Kansas City, MO 64114 – (816) 333-3611 – View Map
Independent Agents
Agents in the independent channel are normally appointed by many insurers and that enables them to quote your coverage amongst many companies and find the cheapest car insurance rates. If they find a cheaper price, the business is moved internally and you don’t have to do anything.
When comparison shopping, you should always get some free quotes from at least one independent agent so that you have a good selection of quotes to compare.
Listed below is a list of independent agencies in Kansas City that can give you rate quotes.
Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map
Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map
Bargain Insurance Connection
2635 NE Vivion Rd – Kansas City, MO 64119 – (816) 453-7722 – View Map
If you receive good answers as well as an affordable premium quote, it’s a good possibility that you have found a car insurance agent that can be relied on to service your policy. Keep in mind it’s your policy and you can cancel your coverage at any time so don’t assume you’re contractually obligated to any specific agency for any length of time.
Situations that may require an agent’s advice
When quoting and comparing coverage online or from an agent for your personal vehicles, there is no “perfect” insurance plan. You are unique so your insurance should reflect that
Here are some questions about coverages that may help highlight if your situation might need professional guidance.
- How can I find cheaper teen driver insurance?
- Should I rate my vehicle as business use?
- Why do I need rental car insurance?
- I have a DUI can I still get coverage?
- What states are considered no-fault?
- Is a blown tire covered by insurance?
- Should I drop comprehensive coverage on older vehicles?
- What vehicles should carry emergency assistance coverage?
- Do I need medical payments coverage since I have good health insurance?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Persistence is the key to cheap rates
You just read a lot of ways to lower your Cadillac Escalade ESV insurance premium rates in Kansas City. The key concept to understand is the more times you quote, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with a lesser-known regional company. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate or State Farm.
Cheaper insurance in Kansas City can be purchased from both online companies as well as from independent agents in Kansas City, and you should compare rates from both to have the best rate selection. There are still a few companies who do not provide the ability to get quotes online and many times these smaller providers prefer to sell through independent insurance agents.
More detailed insurance information can be read by following these links:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for Safe Drivers in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance After a Speeding Ticket? (FAQ)
- How Much are Kansas City Car Insurance Quotes for Veterans? (FAQ)
- Teen Driving and Texting (State Farm)
- Safety Belts FAQ (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Auto Crash Statistics (Insurance Information Institute)