Cheaper 2014 Cadillac SRX Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2024

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Vehicle owners not familiar with comparing car insurance rates on the web are likely to find purchasing cheaper auto insurance is not as easy as it seems.

It’s important to shop coverage around occasionally because prices are constantly changing. Just because you found the lowest quotes on SRX insurance six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate the quickest way to properly buy coverages while reducing your premium.

The Cadillac SRX insurance premium equation

Many factors are taken into consideration when premium rates are determined. Some are obvious such as your driving history, although some other factors are less obvious like your continuous coverage or your financial responsibility.

The following are some of the things used by your company to calculate your rate level.

  • How much liability coverage – Liability coverage will provide protection in the event that you are found liable for damages from an accident. Liability insurance provides legal defense which can cost a lot. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Multiple policies with one company – Many companies apply lower prices to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to check prices from other companies to guarantee you are still saving the most. Drivers may still find better rates by buying from different companies.
  • Insurance rates in urban areas – Having an address in a rural area may provide you with better prices when buying auto insurance. Urban drivers tend to have more traffic problems and more severe claims. Lower population translates into fewer accident claims in addition to lower liability claims
  • Vehicle options that lower rates – Owning a car with a theft deterrent system can save you some money. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft and help lower rates.
  • Obey driving laws and save – Even a single chargeable violation can bump up the cost to the point where it’s not affordable. Good drivers pay less for auto insurance as compared to careless drivers. Drivers who have gotten careless violations like DUI or willful reckless driving may find that they have to to file a SR-22 with their state in order to prevent their license from being revoked.
  • Higher coverage deductibles save money – The deductibles are how much you are required to pay before your auto insurance pays a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of covered claims would be rear-ending another vehicle, fire damage, and damage caused by road hazards. The more you have to pay, the lower your rates will be on SRX insurance.

Ways to get insurance price quotes

The are a couple different ways to compare prices from many insurance companies in your state. The quickest method to find cheaper 2014 Cadillac SRX rates is to perform an online rate comparison. This can be done in a couple of different ways.

Hands down the most simple method to get the best comparison quotes is an all-inclusive rate comparison. This easy form prevents you from having to do a different quote to each individual insurance company. A single, simple form will return quotes direct from many companies. It’s the fastest way to compare.

Another way to compare rate quotes requires visiting the website for each individual company and go through the quote process again. For instance, let’s assume you want to view quotes from USAA, GEICO and Travelers. You would need to navigate to each company’s site and type in your information over and over, which is why first method is recommended.

It’s your choice how you get your quotes, but be certain you are entering equivalent information for each quote you get. If you compare different deductibles you can’t possibly determine the lowest rate for your Cadillac SRX. Just slight variations in coverages may result in a large different in cost. Keep in mind that obtaining a wide range of quotes helps you find the best rates.

Does insurance coverage advertising bend the truth?

Well-known insurance coverage companies like Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. All the companies seem to make the promise about how much you will save if you switch your policy. That’s great but how can every company make almost identical claims? You have to listen carefully.

Insurance providers provide the lowest rates for the type of driver that will most likely be profitable. One example of a profitable customer should be a female over age 40, has had continuous coverage, and insures a new vehicle. Someone who fits those characteristics will probably get cheap premium rates and most likely will cut their rates if they switch.

Drivers who fall outside these criteria may receive a higher premium which leads to the customer buying from a different company. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” save the amount stated. That is how companies can make those statements.

Because of these techniques, you absolutely need to compare free auto insurance quotes often. It is impossible to guess which insurance companies will have the lowest rates.

Take advantage of every insurance coverage discount

Companies don’t necessarily list all their discounts very clearly, so we break down both the well known and also the lesser-known credits that may apply to you.

  • Discount for Passive Restraints – Factory air bags or motorized seat belts may get savings of more than 20%.
  • Discount for Low Mileage – Low annual miles may allow you to get better insurance coverage rates on cars that stay parked.
  • Memberships – Belonging to qualifying employment or professional organizations can get you a small discount on your policy.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on SRX insurance but check with your company.
  • Claim Free – Insureds who avoid accidents and claims can save substantially as opposed to policyholders that have many claims.
  • Multiple Vehicles – Having primary and secondary vehicles with one company can get a discount on all vehicles.
  • Data Collection Discounts – Drivers that enable their insurance company to scrutinize vehicle usage through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease as long as the data is positive.

Don’t be surprised that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

Auto insurance companies that possibly offer most of the discounts above are:

  • MetLife
  • State Farm
  • Progressive
  • Mercury Insurance
  • 21st Century
  • Allstate

If you need cheaper auto insurance quotes, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered everywhere. If you would like to view insurance companies that provide some of the discounts listed above, enter your zip code here.

How to know if you need help

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

  • Is my camper covered by my car insurance policy?
  • How much underlying liability do I need for an umbrella policy?
  • Do I really need UM/UIM coverage?
  • Which is better, split liability limits or combined limits?
  • How do I file an SR-22 for a DUI in my state?
  • Can I get a multi-policy discount?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I crash into my own garage door?
  • Do I need an umbrella policy?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Car insurance 101

Understanding the coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, a tree branch falling on your vehicle, damage from flooding and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This covers damage to your SRX resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability insurance

This provides protection from damage or injury you incur to a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as medical services, pain and suffering, attorney fees and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for dental work, doctor visits, hospital visits, EMT expenses and pain medications. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Cadillac SRX.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are set the same as your liability limits.

One last thing

Consumers change insurance companies for a variety of reasons including unfair underwriting practices, extreme rates for teen drivers, an unsatisfactory settlement offer or poor customer service. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. Too many times, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at the best cost and still be able to protect your assets.

Some companies don’t offer rate quotes online and most of the time these regional insurance providers provide coverage only through independent agents. Cheaper 2014 Cadillac SRX insurance is definitely available on the web and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from.

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