View 2010 Cadillac SRX Insurance Cost

Trying to find lower car insurance rates for your Cadillac SRX? Are you confused by the crazy number of car insurance sources that you can choose from? There are so many sources available that it can quickly become a real hassle to find better premium rates.

Locating affordable coverage is easy if you know what you’re doing. Just about everyone who shops for insurance will be able to find better rates. Nevertheless, drivers need to have an understanding of how big insurance companies price online insurance and apply this information to your search.

Earn discounts to get lower-cost insurance insurance coverage quotes

Insurance coverage is neither fun to buy or cheap, but you may find discounts to help bring down the price. Certain credits will be shown at the time of quoting, but a few need to be requested specifically before you will receive the discount.

  • Discount for Life Insurance – Larger insurance carriers have a break if you buy some life insurance in addition to your auto policy.
  • Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Buy New and Save – Insuring a vehicle that is new can save you some money compared to insuring an older model.
  • Cautious Drivers – Drivers without accidents can pay as much as 50% less on SRX insurance than drivers with accident claims.
  • Smart Student Discounts – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Accident Waiver – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Student Driver Training – Teen drivers should enroll and complete driver’s education if offered at their school.

Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Auto insurance companies that may offer policyholders some of the discounts shown above include:

When comparing rates, check with all companies you are considering which discounts you may be entitled to. Some discounts listed above might not be offered on policies everywhere.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • Can I drive in Mexico and have coverage?
  • Am I covered if my car is in a flood?
  • Can I still get insurance after a DUI?
  • What is covered by UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy full coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form.

Learn about auto insurance coverages for a 2010 Cadillac SRX

Having a good grasp of auto insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, theft, damage from a tornado or hurricane and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – This will pay to fix damage to your SRX resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Cadillac SRX.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability – This will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, legal defense fees, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as nursing services, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

More choices the merrier

Cost effective 2010 Cadillac SRX insurance is attainable online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies do not provide online price quotes and these small, regional companies only sell coverage through local independent agencies.

We covered many ideas to compare 2010 Cadillac SRX insurance rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on insurance is with the least-expected company.

Consumers switch companies for any number of reasons including extreme rates for teen drivers, poor customer service, being labeled a high risk driver and delays in paying claims. No matter why you want to switch, choosing a new insurance company can be less work than you think.

Additional insurance information can be found at the links below

Comments About 2010 Cadillac SRX Insurance

  1. Dustin Romero

    If you don’t have tickets and are close to North Charleston, SC, check out Progressive. They seem to be cheaper.

  2. Layne Glass

    Anyone buy from Auto-Owners? I’m in Grand Forks, North Dakota.

  3. Darlena Franklin

    From Rapid City, SD. Went online for free insurance quotes for a 2010 Cadillac SRX. Ended up at about $480 savings annually. Went with GEICO. Was with Western Auto Insurance.

  4. Charlotte Dorsey

    Cheap car insurance? What’s that? Found cheapest coverage with Eastwood for my 2010 Cadillac SRX and saved about $140 a year.

  5. Yon Roy

    Not sure what I should be paying. I live just outside Billings, MT. Quoted with Mercury, Esurance, Progressive, and Auto-Owners for my SRX and saved around $200 a year.

  6. Eugene Roach

    Does New Mexico have minimum liability laws?

  7. Jeanna Wiggins

    Good detail in your article. I’m just north of Rochester, MN. I got free rates from GEICO, Erie, and Hartford for my 2010 Cadillac SRX and saved around $190 a year.

  8. Shawnta Woodward

    I live on the west side of Honolulu, HI. Got car insurance prices from Hartford, AIG Insurance, MetLife, and a couple others for my 2010 Cadillac SRX and I’m now saving $27 a month. Left Mercury to switch. Even increased my liability limits. I recommend comparing lots of rates.

  9. Juana Salas

    Does Progressive insure after a DUI?

  10. Sandi Salazar

    IMHO Grand Forks, ND seems to have good rates from Progressive.