Compare 2014 Cadillac SRX Insurance Quotes

Trying to find the cheapest car insurance rates for your Cadillac SRX? Trying to find low cost car insurance can seem to be a challenge for drivers not familiar with quoting coverage rates online. Since there are so many insurers to choose from, it can easily become a burden to find more affordable car insurance rates.

If you are paying for car insurance now, you should be able to save some money using these techniques. The purpose of this article is to help educate you on the best way to quote coverages. Nevertheless, vehicle owners should learn how the larger insurance companies sell insurance online and take advantage of how the system works.

How to get auto insurance price quotes

Most of the larger companies make it easy to get prices direct online. The process is fairly straightforward as you just enter the coverages you want into the form. After you complete the form, the quote system pulls reports for credit and driving violations and provides a quote determined by many factors.

Online price estimates helps simplify price comparisons, but the process of having to visit many different websites and type in your information is repetitive and time-consuming. But it’s also necessary to get many rate quotes if you want to get better auto insurance pricing.

The smarter way to find cheaper rates makes use of a single form to obtain quotes from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes comparison shopping much more enjoyable. Once the form is submitted, it is rated with multiple companies and you can pick any or none of the quote results. If a lower price is quoted, you can simply submit the application and buy the new coverage. It only takes a few minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and enter your information. To compare your current rates, we recommend you complete the form with coverages and limits as close as possible to your current policy. This guarantees you’re receiving rate quotes using the same coverage and limits.

Don’t miss these premium-slashing discounts

Some insurers do not list every discount in an easy-to-find place, so the following is a list of both well-publicized and also the more inconspicuous discounts that you may qualify for.

• Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on SRX insurance compared to accident prone drivers.
• Student Discounts – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
• Federal Employees – Federal government employees could provide a small rate reduction on SRX insurance but check with your company.
• Air Bag Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Homeowners Savings – Just being a homeowner can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
• Telematics Devices – Drivers who agree to allow their insurance company to spy on where and when they drive through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.
• Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save a little on medical payment and PIP coverage.
• ABS and Traction Control Discounts – Cars with ABS and/or traction control have fewer accidents and will save you 10% or more.
• No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote when compared with bad drivers.
• Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on your bill.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, company stockholders wouldn’t be very happy. But all discounts will reduce the cost of coverage.

Larger car insurance companies and a partial list of their discounts are detailed below.

• Farm Bureau discounts include driver training, youthful driver, multi-policy, good student, and 55 and retired.
• MetLife may have discounts that include good driver, accident-free, multi-policy, claim-free, defensive driver, and good student.
• Progressive has savings for online signing, multi-vehicle, continuous coverage, good student, online quote discount, and homeowner.
• AAA offers premium reductions for good student, pay-in-full, multi-car, good driver, multi-policy, and AAA membership discount.
• American Family offers discounts including bundled insurance, mySafetyValet, multi-vehicle, accident-free, early bird, and defensive driver.
• GEICO policyholders can earn discounts including anti-theft, emergency military deployment, membership and employees, seat belt use, and multi-policy.
• State Farm has discounts for passive restraint, defensive driving training, safe vehicle, multiple policy, Drive Safe & Save, good student, and anti-theft.

Before you buy a policy, ask each company which discounts you may be entitled to. All car insurance discounts might not be available to policyholders in every state.

Do I need special coverages?

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether you will benefit from professional help.

• Is my teenager covered with friends in the car?
• How many claims can I have before being cancelled?
• Why do I need rental car insurance?
• Does insurance cover damages from a DUI accident?
• Where can I get insurance after a DUI in my state?
• Do I have coverage when making deliveries for my home business?
• Should I rate my 2014 Cadillac SRX as pleasure use or commute?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages 101

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, a tree branch falling on your vehicle, theft and vandalism. The highest amount 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 removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as X-ray expenses, prosthetic devices and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims such as funeral expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.