2015 Cadillac SRX Insurance Quotes – 5 Tricks for Best Rates

Want the cheapest auto insurance rates for your Cadillac SRX? Are you tired of paying out the nose each month for car insurance? Your situation is no different than millions of other consumers.

Lots of insurers contend for your hard-earned dollar, so it’s not easy to compare every company to find the best price available.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Finding affordable coverage is not that difficult. Nevertheless, vehicle owners must understand how companies compete online and use this information to your advantage.

Don’t miss out on these five money-saving discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be manually applied prior to getting the savings.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Student in College – Children who are attending college and don’t have a car may qualify for this discount.
  • Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will cut the cost of coverage.

For a list of insurers with discount auto insurance rates, follow this link.

How to Get Cheap Insurance Coverage

There are several ways of comparing rate quotes from local insurance coverage companies. The simplest method to find the cheapest 2015 Cadillac SRX insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  1. The most efficient way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This form eliminates the need for multiple quote forms for every insurance coverage company. One form submission will get you rate comparisons from many national carriers.
  2. A less efficient way to compare rate quotes is spending the time to visit the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll pretend you want to compare Allstate, Progressive and American Family. To get rate quotes you would need to go to every website to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

However you get your quotes, ensure you are comparing identical deductibles and coverage limits for each comparison quote. If you compare differing limits then you won’t be able to find the best deal for your Cadillac SRX. Quoting even small variations in limits can make a big difference in price. And when comparing insurance coverage rates, know that more quotes will improve the odds of getting the best offered rates.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • How can I get my company to pay me more for my totalled car?
  • Does my personal policy cover me when driving out-of-state?
  • Should I buy additional glass protection?
  • What can I do if my company won’t pay a claim?
  • What is roadside assistance coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Insurance coverages explained

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages available from insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses like rehabilitation expenses, pain medications and dental work. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Auto collision coverage

This will pay to fix damage to your SRX resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, driving through your garage door, hitting a parking meter, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as legal defense fees, attorney fees and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2015 Cadillac SRX.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, a tree branch falling on your vehicle and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

In the end, you save

The cheapest 2015 Cadillac SRX insurance can be bought online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced physical damage coverage and learned later that it was a big error on their part. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

Much more information about car insurance can be found on the following sites: