2006 Cadillac SRX Car Insurance Rates – 6 Tips for Cheapest Quotes

Are you tired of sacrificing to pay your car insurance bill each month? You are in the same boat as millions of other people.

Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a insurer to discover the definitive cheapest price

It is always a good idea to compare rates at least once a year because prices go up and down regularly. Even if you think you had the best quotes for SRX coverage last year a different company probably has better rates today. There are a lot of ways to save on car insurance on the web, but you can learn some guaranteed methods to lower your car insurance rates.

Affordable car insurance price quotes

When shopping for car insurance there are multiple ways to compare quotes from lots of car insurance companies. By far the easiest way to do a complete rate comparison is to jump online and get quotes. It’s really quite simple and can be done by using one of the methods below.

  1. If you’re in a hurry, the quickest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate forms for every prospective company. One form gets you price quotes from multiple companies.
  2. A less efficient way to get quotes online is to manually visit each individual company website and get a separate price quote. For examples sake, we’ll pretend you want comparison quotes from USAA, 21st Century and State Farm. To find out each rate you need to take the time to go to each site and punch in your information repeatedly, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Compare rates however you want, just do your best to enter apples-to-apples coverages with each company. If the quotes have unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best. Quoting even small variations in coverage limits could skew the results. Keep in mind that comparing all the rates in your area provides better odds of finding a lower rate. Some insurance companies are not set up to provide price estimates online, so you also need to get price quotes from those companies as well.

Six discounts to earn cheap auto insurance rates

Car insurance companies don’t always publicize every discount very clearly, so the below list has some of the best known and the more hidden credits available to lower your premiums when you buy car insurance online.

  • Discount for Passive Restraints – Options like air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • New Vehicle Savings – Buying a new car model can cost up to 25% less since new vehicles are generally safer.
  • No Claim Discounts – Drivers who stay claim-free can earn big discounts as opposed to bad drivers.
  • Anti-lock Brake Discount – Cars that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
  • Resident Student – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will definitely lower your policy premiums.

A list of auto insurance companies and a selection of discounts are included below.

  • State Farm offers discounts for multiple policy, Drive Safe & Save, defensive driving training, driver’s education, anti-theft, and good driver.
  • Nationwide offers premium reductions for good student, accident-free, business or organization, defensive driving, anti-theft, and multi-policy.
  • Geico policyholders can earn discounts including federal employee, anti-theft, air bags, driver training, emergency military deployment, and military active duty.
  • AAA may offer discounts for education and occupation, pay-in-full, multi-car, good driver, good student, and anti-theft.
  • 21st Century has savings for homeowners, automatic seat belts, anti-lock brakes, good student, air bags, early bird, and defensive driver.
  • The Hartford may include discounts for good student, driver training, anti-theft, defensive driver, bundle, and air bag.

If you want inexpensive car insurance quotes, ask each insurance company how you can save money. Discounts may not be offered in your state. For a list of insurers that have a full spectrum of discounts, follow this link.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need replacement cost coverage on my 2006 Cadillac SRX?
  • Should I bundle my homeowners policy with my auto?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy additional glass protection?
  • I have a DUI can I still get coverage?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Insurance coverage options for a 2006 Cadillac SRX

Knowing the specifics of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Collision coverage protection

This covers damage to your SRX resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, sideswiping another vehicle, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Cadillac SRX.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, hail damage, rock chips in glass, falling objects and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance protects you from damage or injury you incur to other people or property. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like doctor visits, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

A penny earned…

Some insurance providers may not provide online price quotes small, regional companies work with local independent agencies. Cheaper 2006 Cadillac SRX insurance can be found online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture.

We just covered quite a bit of information on how to get a better price on 2006 Cadillac SRX insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Much more information about car insurance is available at these links: