Cheap 2014 Cadillac SRX Car Insurance Cost

Want better insurance coverage rates for your Cadillac SRX? Trying to find better insurance prices for your Cadillac SRX can normally be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to compare insurance coverage rates and you need to know the proper way to get price quotes for a new or used Cadillac and find the best price possible from both online companies and local agents.

You need to price shop coverage yearly because rates fluctuate regularly. Just because you had the lowest premium rates for SRX coverage a year ago you will most likely find a better price today. There is a lot of bad advice regarding insurance coverage on the internet, but in just a couple of minutes you can learn some great ways to quit paying high insurance coverage rates.

The easiest way to compare rate quotes is to know all the major auto insurance companies actually pay money for the chance to give free rates quotes. All consumers are required to do is provide a small amount of information including if you’re married, level of coverage desired, what your job is, and how much you drive. Those rating factors is then submitted to multiple different insurance companies and you should receive rate quotes almost instantly.

Get lower-cost insurance coverage quotes with discounts

Some companies don’t list the entire discount list very clearly, so the next list breaks down some of the best known and the more hidden discounts that you may qualify for.

  • 55 and Retired – Mature drivers can get a slight reduction on a insurance quote for SRX coverage.
  • Discounts for Government Workers – Having worked for a branch of the government could qualify for a slight premium decrease for SRX coverage depending on your insurance coverage provider.
  • Save with a New Car – Buying insurance on a new vehicle can save up to 30% compared to insuring an older model.
  • Waiver for an Accident – Not necessarily a discount, but a few companies such as Geico, Allstate and Liberty Mutual allow you one accident before raising your premiums if your claims history is clear prior to being involved in the accident.
  • Military Rewards – Being deployed with a military unit could qualify you for better prices.
  • Bundle and Save – If you can combine your homeowners and auto policy and insure them with the same company you could earn a discount of approximately 10% to 15%.
  • Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • ABS Braking Discount – Cars with ABS and/or traction control can avoid accidents and will save you 10% or more.
  • Telematics Devices – Drivers who elect to allow driving data collection to monitor driving manner by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they show good driving skills.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way.

Some of the insurance companies that have some of the discounts shown above are:

If you need lower rates, check with all companies you are considering how you can save money. Some credits may not apply to policies everywhere. To find insurers with discount insurance coverage rates, follow this link.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when using my vehicle for business?
  • Do I have newly-aquired coverage?
  • Does insurance cover damages from a DUI accident?
  • Will my insurance pay for OEM parts?
  • Is my trailer covered?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage basics

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, fire damage, hail damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, structural damage, attorney fees and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like surgery, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers 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 should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Collision coverage protection

This pays for damage to your SRX resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.