2005 Cadillac SRX Insurance Quotes

Want the cheapest auto insurance rates for your Cadillac SRX? Are you sick and tired of scraping the payment together to insure your Cadillac every month? You are no different than many other drivers. Big-name insurance companies like GEICO and Progressive increase brand awareness with ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

It’s smart to get comparison quotes before your policy renews since insurance rates change frequently. Even if you got the lowest price for SRX coverage a year ago you can probably find a better price now. Block out anything you think you know about auto insurance because we’re going to demonstrate the right way to find the best coverage while lowering your premiums.

How to Get Insurance Coverage Comparison Quotes

Cutting your insurance coverage rates is surprisingly easy. The only requirement is to invest a few minutes comparing price quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing boring form submissions for each company. One form will get you price quotes from all major companies.

Another way to get quotes online is going to each company’s website and complete a new quote form. For instance, let’s say you want to compare State Farm, Safeco and GMAC. You would have to visit each site to input your insurance information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

Whichever way you use, make sure you use exactly the same coverages for each comparison quote. If your comparisons have different liability limits you will not be able to find the best deal for your Cadillac SRX.

Are you getting all your discounts?

Companies don’t always advertise every discount in an easy-to-find place, so we break down some of the best known and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • One Accident Forgiven – A few companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Senior Citizens – If you qualify as a senior citizen, you may receive reduced rates for SRX coverage.
  • Resident Student – Youth drivers who live away from home and don’t have a car can be insured at a reduced rate.
  • Safety Course Discount – Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Drivers Education – Have your child complete a driver education course if it’s offered in school.
  • Memberships – Being a member of a professional or civic organization could trigger savings on car insurance for SRX coverage.
  • No Claims – Good drivers with no accidents can earn big discounts when compared with accident-prone drivers.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less for SRX coverage than drivers with accident claims.
  • Homeowners Savings – Owning a home can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Drive Less and Save – Keeping the miles down on your Cadillac could qualify for better rates on cars that stay parked.

A little note about advertised discounts, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies that may offer these benefits may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique and your policy should reflect that. For instance, these questions might point out whether or not you would benefit from professional advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Where can I find DUI or SR-22 insurance?
  • Do I need replacement cost coverage on my 2005 Cadillac SRX?
  • Why do I only qualify for high-risk insurance?
  • Am I covered if I wreck a rental car?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I getting all the discounts available?
  • Am I covered by my spouse’s policy after a separation?
  • Is motorclub coverage worth it?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverage specifics

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Auto liability

This provides protection from damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, loss of income, legal defense fees, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Cadillac SRX.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision coverage covers damage to your SRX resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, pain medications and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, a broken windshield, damage from getting keyed, a tree branch falling on your vehicle and hail damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.