2004 Cadillac SRX Insurance Quotes

Shopping for the cheapest car insurance may at first seem to be somewhat intimidating for consumers that are not comfortable with quoting and comparing prices on the web. With dozens of online companies, how are consumers able to have a chance to compare every one to find better rates?

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Although consumers need to have an understanding of how insurance companies determine prices.

Low cost insurance prices

Most major insurance companies like GEICO, State Farm and Progressive allow consumers to get coverage prices on their websites. Doing online quotes can be done by anyone because you just enter the coverages you want as requested by the quote form. Once entered, the system pulls your credit score and driving record and returns a price based on many factors.

Online price estimates makes it easy to compare insurance prices but the time required to go to each company’s website and repetitively enter the same data into a form is monotonous and tiresome. But it’s very important to do this if you want to find the lowest insurance rates.

The easiest way to lower your insurance bill uses one simple form that obtains quotes from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes online quotes much easier to do. Immediately after submitting the form, it is rated and you can choose any or none of the returned quotes. If you find a better price it’s easy to complete the application and buy the policy. This process just takes a couple of minutes and you’ll know if lower rates are available.

In order to compare rates using this form now, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you input your coverages exactly as shown on your declarations page. Doing this guarantees you will have a price comparison based on the exact same insurance coverage.

Discount insurance coverage quotes

Insurance coverage is not cheap nor is it fun to buy but there could be available discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but some must be asked for before you will receive the discount.

  • Accident Free – Drivers who stay claim-free can earn big discounts as compared to drivers with a long claim history.
  • Paperwork-free – Certain insurance companies will give you a small discount for buying your policy over the internet.
  • Defensive Driver Discounts – Successfully completing a defensive driving course can save you 5% or more depending on where you live.
  • Multi-line Discount – If the company offers life insurance, you could get a lower insurance coverage rate if you buy a life policy as well.
  • Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you could save as much as 10 to 15 percent.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you may have a lower total premium amount.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

A list of companies and a selection of discounts are included below.

  • Mercury Insurance offers premium reductions for anti-theft, location of vehicle, multi-policy, low natural disaster claims, good driver, and professional/association.
  • Farmers Insurance offers discounts for electronic funds transfer, bundle discounts, alternative fuel, distant student, mature driver, teen driver, and homeowner.
  • Farm Bureau discounts include youthful driver, renewal discount, driver training, multi-vehicle, good student, multi-policy, and safe driver.
  • State Farm offers discounts including multiple autos, defensive driving training, accident-free, driver’s education, safe vehicle, and passive restraint.
  • Allstate may offer discounts for teenSMART discount, defensive driver, premier plus, FullPay discount, multi-policy, good student, and resident student.
  • GEICO may have discounts that include anti-theft, defensive driver, multi-vehicle, daytime running lights, and anti-lock brakes.

When comparing rates, check with every insurance company how you can save money. Some discounts may not apply to policies in your area. To choose providers with the best discounts, click here.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.

For example, these questions may help you determine whether your personal situation may require specific advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need an umbrella policy?
  • How much liability insurance is required?
  • Does my insurance cover a custom paint job?
  • Where can I find DUI or SR-22 insurance?
  • Is my 2004 Cadillac SRX covered for smoke damage?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when using my vehicle for business?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance coverages explained

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield, falling objects and vandalism. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance – This protects you from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims such as funeral expenses, bail bonds and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2004 Cadillac SRX.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as ambulance fees, dental work, pain medications and doctor visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision – This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, scraping a guard rail, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.