The easiest way to find low-cost prices for car insurance rates in Dallas is to do an annual price comparison from providers in Texas.
Step 1: Read and learn about individual coverages and the things you can control to prevent expensive coverage. Many risk factors that result in higher rates such as distracted driving and poor credit can be eliminated by improving your driving habits or financial responsibility.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO and Allstate, while independent agencies can give you price quotes from multiple insurance companies.
Step 3: Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save some money, make sure coverage does not lapse between policies.
Step 4: Provide proper notification to your current company of your intent to cancel your existing policy and submit the signed application along with the required initial payment to your new carrier. Once received, store the certificate of insurance along with the vehicle’s registration papers.
One thing to point out is to try to compare identical limits and deductibles on every quote and and to get price estimates from as many companies as feasibly possible. Doing this ensures a fair price comparison and the best price quote selection.
We don’t have to point out that fact that insurance companies don’t want you to look for a cheaper policy. Consumers who shop around at least once a year are very likely to switch to a new company because there is a good chance of finding better rates. Surprisingly, a recent survey revealed that consumers who routinely compared quotes saved an average of $860 a year compared to people who never compared other company’s rates.
If finding the most affordable insurance in Dallas is the reason for your visit, then having a grasp of how to compare cheaper coverage can make it easier to shop your coverage around.
Finding and buying the best coverage in Dallas is not as hard as you think. Just about every driver who requires lower cost insurance should get better rates. But Texas consumers do need to know how insurance companies determine prices.
Companies offering Cadillac Escalade insurance in Texas
The auto insurance companies shown below are ready to provide price quotes in Texas. If multiple companies are listed, we recommend you get rates from several of them in order to get a fair rate comparison.
Rates and detailed analysis
The coverage table below covers estimates of policy rates for Cadillac Escalade models. Understanding more about how insurance quotes are calculated helps drivers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade 2WD | $252 | $424 | $476 | $28 | $142 | $1,322 | $110 |
| Escalade Luxury Edition 2WD | $252 | $424 | $476 | $28 | $142 | $1,322 | $110 |
| Escalade 4WD | $252 | $424 | $476 | $28 | $142 | $1,322 | $110 |
| Escalade Premium Edition 4WD | $276 | $424 | $476 | $28 | $142 | $1,346 | $112 |
| Escalade Luxury Edition 4WD | $276 | $424 | $476 | $28 | $142 | $1,346 | $112 |
| Escalade Premium Edition 2WD | $276 | $424 | $476 | $28 | $142 | $1,346 | $112 |
| Escalade Hybrid 2WD | $276 | $534 | $430 | $26 | $128 | $1,394 | $116 |
| Escalade Hybrid 4WD | $276 | $534 | $430 | $26 | $128 | $1,394 | $116 |
| Escalade Platinum Edition 2WD | $276 | $478 | $476 | $28 | $142 | $1,400 | $117 |
| Escalade Platinum Edition 4WD | $276 | $478 | $476 | $28 | $142 | $1,400 | $117 |
| Escalade Hybrid Platinum 2WD | $298 | $590 | $430 | $26 | $128 | $1,472 | $123 |
| Escalade Hybrid Platinum 4WD | $298 | $590 | $430 | $26 | $128 | $1,472 | $123 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific location which can increase or decrease rates greatly.
Raise deductibles and save
One common question asked by Dallas drivers is how high should the physical damage coverage deductibles be. The following insurance rates highlight the difference in cost of buying low and high physical damage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade 2WD | $454 | $804 | $476 | $28 | $142 | $1,929 | $161 |
| Escalade Luxury Edition 2WD | $454 | $804 | $476 | $28 | $142 | $1,929 | $161 |
| Escalade 4WD | $454 | $804 | $476 | $28 | $142 | $1,929 | $161 |
| Escalade Premium Edition 4WD | $496 | $804 | $476 | $28 | $142 | $1,971 | $164 |
| Escalade Luxury Edition 4WD | $496 | $804 | $476 | $28 | $142 | $1,971 | $164 |
| Escalade Premium Edition 2WD | $496 | $804 | $476 | $28 | $142 | $1,971 | $164 |
| Escalade Hybrid 2WD | $496 | $1014 | $430 | $26 | $128 | $2,119 | $177 |
| Escalade Hybrid 4WD | $496 | $1014 | $430 | $26 | $128 | $2,119 | $177 |
| Escalade Platinum Edition 2WD | $496 | $908 | $476 | $28 | $142 | $2,075 | $173 |
| Escalade Platinum Edition 4WD | $496 | $908 | $476 | $28 | $142 | $2,075 | $173 |
| Escalade Hybrid Platinum 2WD | $538 | $1120 | $430 | $26 | $128 | $2,267 | $189 |
| Escalade Hybrid Platinum 4WD | $538 | $1120 | $430 | $26 | $128 | $2,267 | $189 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escalade 2WD | $252 | $424 | $476 | $28 | $142 | $1,322 | $110 |
| Escalade Luxury Edition 2WD | $252 | $424 | $476 | $28 | $142 | $1,322 | $110 |
| Escalade 4WD | $252 | $424 | $476 | $28 | $142 | $1,322 | $110 |
| Escalade Premium Edition 4WD | $276 | $424 | $476 | $28 | $142 | $1,346 | $112 |
| Escalade Luxury Edition 4WD | $276 | $424 | $476 | $28 | $142 | $1,346 | $112 |
| Escalade Premium Edition 2WD | $276 | $424 | $476 | $28 | $142 | $1,346 | $112 |
| Escalade Hybrid 2WD | $276 | $534 | $430 | $26 | $128 | $1,394 | $116 |
| Escalade Hybrid 4WD | $276 | $534 | $430 | $26 | $128 | $1,394 | $116 |
| Escalade Platinum Edition 2WD | $276 | $478 | $476 | $28 | $142 | $1,400 | $117 |
| Escalade Platinum Edition 4WD | $276 | $478 | $476 | $28 | $142 | $1,400 | $117 |
| Escalade Hybrid Platinum 2WD | $298 | $590 | $430 | $26 | $128 | $1,472 | $123 |
| Escalade Hybrid Platinum 4WD | $298 | $590 | $430 | $26 | $128 | $1,472 | $123 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific zip code location which can raise or lower prices significantly.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $56 more each month or $672 annually than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 16 months between claim filings, you would probably save some money by going with a higher deductible.
The information below demonstrates how choosing different deductibles and can influence Cadillac Escalade annual premium costs for each age group. The premiums are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
Annual premiums comparing men and women
The diagram below visualizes the comparison of Cadillac Escalade insurance premiums for male and female drivers. The premiums are based on no accidents, no driving violations, full coverage, $100 deductibles, drivers are single, and no other discounts are factored in.
Full coverage versus liability-only
The example below shows the difference between Cadillac Escalade insurance costs with and without physical damage coverage. Data assumes no claims or driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
When to stop buying full coverage
There is no specific rule for excluding comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s pretend your Cadillac Escalade settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 annually to have full coverage, then it might be time to consider dropping full coverage.
There are a few cases where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Lower Insurance Rates with These Tips
The best way to find cheaper insurance is to take a look at the rating factors that aid in calculating insurance rates. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that can earn you big savings. Lots of things are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving record, but other criteria are less apparent like your continuous coverage or your financial responsibility.
More performance means higher prices – The type of car you need to insure makes a huge difference in your premium level. Economy passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.
The following chart is based on a single female driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Cadillac Escalade car insurance rates compared to other models that have different performances.
More traffic means higher claims – Having an address in a small town is a good thing when shopping for auto insurance. Fewer drivers and short commutes means less chance of accidents and also fewer theft and vandalism claims. People in densely populated areas have to deal with much more traffic and a longer drive to work. The longer drive time means higher likelihood of an accident.
Qualify for multi-policy discounts – Lots of companies allow better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount drivers will still want to shop around to guarantee you are still saving the most. You may still find lower rates even if you have your coverage with different companies
Avoid traffic tickets – Your driving record has a lot to do with how much you pay for insurance. Even one citation could increase your next policy renewal twenty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers who have received license-revoking violations like DUI or reckless driving are required to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
The illustration below illustrates how speeding tickets and at-fault fender-benders drive up Cadillac Escalade insurance costs for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Lower rates by increasing physical damage deductibles – The deductibles define the amount you are willing to pay if you file a covered claim. Physical damage coverage, also called comprehensive and collision insurance, insures against damage to your car. Some examples of covered claims are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more damage repair cost you are required to pay out-of-pocket, the less your company will charge you for insurance.
Discounts for married couples – Getting married may save some money when shopping for insurance. Having a spouse demonstrates that you tend to be more mature it has been statistically shown that drivers who are married are more cautious.
Small coverages can add up – There are quite a few extra add-on coverages that can add up if you aren’t careful. Coverages like rental car coverage, towing coverage, and term life insurance are probably not needed. The coverages may be enticing at first, but your money might be better spent on other coverage so get rid of them and save.
Lower prices with theft deterrents – Purchasing a vehicle with advanced anti-theft systems can earn a premium discount. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.
Cadillac Escalade claim probability – Companies factor in insurance loss information to help set a rate to offset losses. Vehicles that have higher loss trends will have a higher premium rate. The table below shows the compiled insurance loss statistics for Cadillac Escalade vehicles.
For each policy coverage, the claim amount for all vehicles, without regard to make or model, is equal to 100. Values that are 100 or less indicate better than average losses, while values that are above 100 indicate more frequent claims or larger claims.
| Specific Cadillac Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Cadillac Escalade 4dr 2WD | 156 | 122 | ||||
| Cadillac Escalade 4dr 4WD | 132 | 99 | 119 | 55 | ||
| Cadillac Escalade ESV 4dr 2WD | 124 | |||||
| Cadillac Escalade ESV 4dr 4WD | 123 | 106 | 155 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Affordable rates with discounts
Some providers do not advertise every policy discount very well, so the following is a list of both well-publicized as well as some of the hidden discounts that may be available.
- Employee of Federal Government – Active or former government employment can earn a discount up to 10% depending on your car insurance provider.
- Discount for Multiple Policies – If you can bundle your home and auto insurance with the same insurance company you will save at least 10 to 15 percent or more.
- Cautious Drivers – Drivers who avoid accidents may receive a discount up to 45% than their less cautious counterparts.
- Paperwork-free – A few insurance companies will discount your bill up to fifty bucks get Dallas auto insurance on your computer.
- Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a small discount on rates.
- First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident before raising your premiums if you have no claims prior to the accident.
- Distant Student Discount – Youth drivers who are enrolled in higher education away from home and don’t have a car could get you a discount.
- Defensive Driver Discounts – Passing a defensive driving course could save 5% or more depending on where you live.
A quick disclaimer, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky.
The example below compares Cadillac Escalade auto insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-policy, marriage, and multi-car discounts applied.
Insurance companies that may offer policyholders some of the discounts shown above are:
When getting a coverage quote, ask each company what discounts are available to you. Some discounts listed above may not be offered in Dallas. For a list of companies that provide some of the discounts listed above in Texas, click this link.
Local Dallas car insurance agents and car insurance
A small number of people just prefer to sit down with an agent and that can be a great decision A nice benefit of getting online price quotes is the fact that you can find cheap car insurance quotes and still choose a local agent. And buying from neighborhood agents is definitely important in Dallas.
Upon completion of this form (opens in new window), the coverage information is immediately sent to local insurance agents in Dallas who will give you bids to get your business. You won’t even need to drive around as quotes are delivered directly to you. You’ll get the best rates and an insurance agent to talk to. If you have a need to get a rate quote for a specific company, you can always go to their quote page and complete a quote there.
The difference between Dallas car insurance agents
If you need to find a reputable insurance agent or broker, you should know the different agency structures to choose from. Car insurance agents can be classified as either exclusive or independent.
Independent Agents
These type of agents are not restricted to one company and that gives them the ability to insure with multiple insurance companies and find you the best rates. If prices rise, they simply switch companies in-house and that require little work on your part. When comparing car insurance prices, we highly recommend that you get insurance quotes from at a minimum one independent agency to get the best comparison. Most also write with smaller regional carriers who may have lower rates.
Below is a list of independent agencies in Dallas who can help you get price quotes.
- E F Insurance Agency
9304 Forest Ln #217 – Dallas, TX 75243 – (972) 931-9285 – View Map - CJ Lingberg Insurance Agency
11884 Greenville Ave a101 – Dallas, TX 75243 – (972) 479-9911 – View Map - The Phoenix Insurance
11615 Forest Central Dr #103 – Dallas, TX 75243 – (214) 253-0570 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. These agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agents are very knowledgeable on their company’s products and that can be a competitive advantage. Many people buy insurance from these agents mainly due to high brand loyalty instead of buying on price only.
Below are exclusive insurance agencies in Dallas that are able to give price quote information.
- Roxy Brown – State Farm Insurance Agent
12640 E Northwest Hwy, Ste 408 – Dallas, TX 75228 – (972) 681-6128 – View Map - Joe Pearce – State Farm Insurance Agent
9543 Losa Dr #111 – Dallas, TX 75218 – (214) 327-9315 – View Map - Todd Schara – State Farm Insurance Agent
516 S Hampton Rd #140 – Dallas, TX 75208 – (214) 943-7500 – View Map
Deciding on an auto insurance agent should include more criteria than just a cheap price. Any agent in Dallas should have no problem answering these questions:
- Can you contact them at any time?
- What are their preferred companies if they are an independent agency?
- Which companies can they place coverage with?
- Is the agency covered by Errors and Omissions coverage?
- Can glass claims be handled at your home?
- Do they reduce claim amounts on high mileage vehicles?
What insurance coverages do I need?
When buying insurance from an agent or online, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that.
Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.
- What exactly is covered by my policy?
- Are there any extra discounts I can get?
- How high should deductibles be on a Cadillac Escalade?
- Do I really need UM/UIM coverage?
- Does low annual mileage earn a discount?
- What is the rate difference between pleasure use and commuting?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
What is YOUR best insurance company?
Cheaper Cadillac Escalade insurance in Dallas is definitely available online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent insurance agents.
When buying insurance coverage, do not reduce needed coverages to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to find out that they should have had better coverage. Your focus should be to buy enough coverage for the lowest price, but do not skimp to save money.
More detailed car insurance information can be found by following these links:
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has the Cheapest Dallas Auto Insurance for High Risk Drivers? (FAQ)
- How Much are Dallas Auto Insurance Quotes for a Toyota Corolla? (FAQ)
- How Much are Car Insurance Rates for 19 Year Olds in Dallas? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Understanding your Policy (NAIC.org)