View 2014 Cadillac SRX Insurance Rates

Have you fallen victim to an overpriced car insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Having so many car insurance companies to choose from, it can be impossible to pick the best insurance company.

It’s a good habit to compare rates quite often since insurance rates change frequently. Even if you think you had the lowest price on SRX insurance a year ago other companies may now be cheaper. There is too much inaccurate information about car insurance on the web, but we’re going to give you some tested techniques to slash your car insurance rates.

The method we recommend to get policy rate comparisons is to know the fact all the major auto insurance companies actually pay money for the chance to give you rate quotes. To get started, all you need to do is give the companies some data like what your job is, if you lease or own, any included safety features, and whether the vehicles are used for commuting. The data is sent automatically to many different companies and they return rate quotes within a short period of time.

To find the cheapest 2014 Cadillac SRX insurance rates, click here then complete the form.

Don’t be fooled by advertising claims

Drivers constantly see and hear ads that promise big savings from the likes of State Farm, Allstate and GEICO. They all seem to have a common claim that you’ll save big if you move your coverage to them.

But how can every company say the same thing?

Different companies are able to cherry pick for the type of customer that is profitable for them. A good example of a preferred risk might be profiled as over the age of 50, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile receives the best rates and most likely will save when switching.

Potential customers who are not a match for the “perfect” profile will have to pay a more expensive rate which usually ends up with business not being written. Company advertisements say “drivers who switch” not “everyone that quotes” save money. This is how companies can truthfully state the savings.

Because of the profiling, you should get as many comparisons as possible. It’s just too difficult to predict which company will provide you with the cheapest Cadillac SRX insurance rates.

Factors that might impact rates for a Cadillac SRX

An important part of buying insurance is that you know some of the elements that help determine insurance coverage rates. Understanding what impacts premium levels allows you to make educated decisions that may reward you with big savings.

The following are some of the factors companies use to determine rates.

  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Cadillac is rated at least four stars on it is probably cheaper to insure.
  • Optional equipment can affect rates – Owning a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • Are you male or female? – The statistics show that women are safer drivers than men. However, this does not mean women are better drivers. They both have accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Rates may be higher depending on your occupation – Careers like lawyers, business owners and stock brokers have the highest rates due to high stress and lots of time spent at work. On the other hand, jobs such as actors, students and retirees get better rates on SRX insurance.

Don’t miss these discounts

Car insurance can cost a lot, but there could be available discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but less common discounts must be inquired about before you will receive the discount. If you’re not getting every credit you qualify for, you are throwing money away.

  • College Student – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
  • No Claims – Drivers with accident-free driving histories can save substantially compared to bad drivers.
  • Defensive Driving Course – Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • New Car Discount – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Sign Online – Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on SRX insurance than drivers with accident claims.

Consumers should know that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. But any discount will bring down the cost of coverage.

Car insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Savings may not be available in your area.

When might I need help?

When choosing the best car insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation may require specific advice.

  • Why is insurance for a teen driver so high?
  • Where can I find high-risk insurance?
  • Am I covered if hit by an uninsured driver?
  • Is a new car covered when I drive it off the dealer lot?
  • What are the best liability limits?
  • Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

What insurance coverages do you need?

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Collision coverages – Collision insurance will pay to fix damage to your SRX from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, hitting a mailbox, driving through your garage door, colliding with a tree and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance – This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, attorney fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM Coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Cadillac SRX.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, doctor visits and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, theft and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

You can do this!

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There are many occasions where drivers have reduced collision coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Lower-priced 2014 Cadillac SRX insurance is possible online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance coverage companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

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