2013 Cadillac SRX Insurance Cost

Looking for cheaper auto insurance rates for your Cadillac SRX? No one looks forward to buying auto insurance, in particular when their premiums are too high. Due to the abundance of companies to choose from, it can be impossible to locate the most cost effective auto insurance company.

You should make it a habit to take a look at other company’s rates on a regular basis due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the best price for SRX insurance a couple years back a different company probably has better rate quotes today. You’ll find quite a bit of inaccurate information about auto insurance on the web, but in just a couple of minutes you can learn some excellent ideas to lower your auto insurance premiums.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will most likely be able to save some money using this strategy. Drivers just need to learn the tricks to shop over the internet.

How to buy car insurance online

Finding more affordable car insurance rates doesn’t have to be difficult. The only thing you need to do is spend a few minutes on the computer to compare free insurance quotes to find out which insurance company has the cheapest insurance quotes. This is very easy and can be done in a couple of different ways.

  1. The fastest and easiest way to find low rates is a comparison rater form click to view form in new window. This method keeps you from doing separate quotes for every car insurance company. One form gets you coverage quotes from many national carriers.
  2. A more difficult way to find better pricing requires you to visit the website for every company you want to comare and request a quote. For instance, we’ll assume you want to view quotes from Auto-Owners, Esurance and Progressive. To get each rate you have to navigate to each company’s site and punch in your information repeatedly, which can be really labor intensive.

    To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just do your best to enter exactly the same coverage data for each comparison quote. If you compare different limits and deductibles on each one it’s not possible to determine which company has the best rates.

When do I need an agent’s advice?

When choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2013 Cadillac SRX is totaled?
  • Can I make deliveries for my home business?
  • Does having multiple vehicles earn me a discount?
  • Is my teen driver covered when they drive my company car?
  • How can I get high-risk coverage after a DUI?
  • How can I find cheaper teen driver insurance?
  • Is my 2013 Cadillac SRX covered for smoke damage?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, surgery, dental work and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Cadillac SRX.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance – Comprehensive insurance coverage covers 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 things like a broken windshield, vandalism, damage from getting keyed and fire damage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your SRX resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, backing into a parked car, rolling your car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, medical expenses, loss of income and court costs. How much coverage you buy is up to you, but you should buy higher limits if possible.