View 2013 Cadillac SRX Insurance Cost

Shopping for the most affordable auto insurance on the internet can be challenging for drivers not familiar with buying insurance on the internet. With such a big selection of agents and companies competing online, how are drivers expected to be able to compare every company to locate the cheapest price possible?

It’s a good idea to compare premium rates quite often due to the fact that insurance prices trend upward over time. Just because you found the lowest price for SRX insurance two years ago other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to teach you the best methods to find lower rates on auto insurance.

Buying affordable car insurance coverage is quite easy. In a nutshell, anyone who is shopping for car insurance will more than likely be able to find better rates. Nevertheless, vehicle owners benefit from understanding the way companies price insurance differently and apply this information to your search.

Auto insurance quotes comparison

When comparison shopping, there are several ways to compare rate quotes from many different insurance companies. The best way to find competitive 2013 Cadillac SRX insurance rates consists of shopping online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  • The best way to get quotes would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for separate quotation requests for every auto insurance company. Completing one form will return quotes from several companies. It’s definitely the quickest method.
  • A more time consuming way to find better pricing requires a visit to each company’s website to complete a price quote. For example, we’ll assume you want to compare Progressive, Esurance and Geico. You would need to take the time to go to each site and punch in your information repeatedly, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

However you get your quotes, double check that you are using identical deductibles and coverage limits with every price quote. If you are comparing mixed coverages it will be very difficult to get a fair rate comparison. Even a minor difference in insurance coverages or limits may cause a big price difference. Keep in mind that quoting more gives you a better chance of getting better pricing. Some insurance companies are not set up to provide online price quotes, so it’s necessary to compare rates from the smaller companies as well.

Take policy discounts and save

Some providers do not advertise every disount available very well, so the following is a list of both the well known and also the more inconspicuous credits that may apply to you.

  • New Vehicle Savings – Insuring a vehicle that is new is cheaper since newer vehicles are generally safer.
  • Military Discounts – Being on active deployment in the military may lower your car insurance rates slightly.
  • More Vehicles More Savings – Buying insurance for primary and secondary vehicles on the same car insurance policy can reduce rates for all insured vehicles.
  • Claim Free – Drivers who don’t have accidents get the best car insurance rates when compared with bad drivers.
  • Switch and Save Discount – Select insurance companies give a discount for buying a new policy before your current coverage expires. The savings is around 10%.
  • Bundled Policy Discount – If you insure your home and vehicles with the same company you could get a discount of nearly 15% which can help you find cheaper car insurance.

Just know that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

The best car insurance companies and a selection of discounts can be found below.

  • Progressive policyholders can earn discounts including online signing, homeowner, multi-policy, multi-vehicle, good student, continuous coverage, and online quote discount.
  • AAA may have discounts that include multi-policy, pay-in-full, good student, AAA membership discount, multi-car, anti-theft, and good driver.
  • Farmers Insurance may include discounts for distant student, teen driver, good student, multi-car, and electronic funds transfer.
  • Geico offers premium reductions for emergency military deployment, five-year accident-free, seat belt use, multi-policy, anti-lock brakes, and anti-theft.
  • Esurance has savings for claim free, homeowner, Switch & Save, good driver, multi-car, and Pac-12 alumni.
  • SAFECO discounts include drive less, multi-car, teen safe driver, homeowner, anti-lock brakes, and accident prevention training.
  • State Farm may offer discounts for good driver, passive restraint, safe vehicle, multiple policy, student away at school, and driver’s education.

If you need the cheapest car insurance quotes, ask each company or agent which discounts they offer. A few discounts may not be available everywhere.

Which policy gives me the best coverage?

When buying coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions may help you determine if your situation could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when delivering products for my home-based business?
  • Are rental cars covered under my policy?
  • Does insurance cover damages from a DUI accident?
  • Why do I need rental car insurance?
  • Which companies will insure high-risk drivers?
  • Is my custom paint covered by insurance?
  • Is rental equipment covered for theft or damage?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage considerations

Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Cadillac SRX.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for liability

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have 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 claims such as medical expenses, funeral expenses, pain and suffering and legal defense fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from getting keyed, hitting a bird, falling objects and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision insurance covers damage to your SRX caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, hospital visits, rehabilitation expenses, funeral costs and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comments About 2013 Cadillac SRX Insurance

  1. Toi Schneider

    Proud to be from Gulfport, MS. Checked online prices for a 2013 Cadillac SRX. Ended up at about $300 savings annually. Went with Allstate.

  2. In Copeland

    Cheapest quote for my 2013 Cadillac SRX was with Encompass. Was with Allstate. I get a discount for insuring multiple vehicles.

  3. Edyth Santos

    If you have a good history and live in the vicinity of Anchorage, AK, check out Allstate. I saved quite a bit. Are quotes cheaper online?

  4. Patrice Reed

    I found pretty cheap rate quotes for a 2013 Cadillac SRX in Fort Wayne, IN. Ended up at roughly $540 every six months with American Family. Insured with Western Auto Insurance before.

  5. Myrle Alston

    I’ve had Progressive for years. I’m in Columbus, OH.

  6. Porter Oconnor

    Got pretty cheap 2013 Cadillac SRX insurance from Progressive in Spokane, Washington.

  7. Arianne Duran

    I got decent rates for a 2013 Cadillac SRX in Montgomery, AL. Ended up at roughly $180 every six months with American Family. They have a lot of discounts available. :P

  8. Teressa Harvey

    Is a custom audio system covered by insurance?