2009 Cadillac SRX Insurance Rates – 7 Tips for Best Quotes

Being forced to pay for expensive car insurance premiums can take a big chunk out of your savings account and force you to make tough financial choices. Price shopping at each renewal is a great way to make ends meet.

Because you have many insurance providers from which to choose, it is very difficult to choose the lowest price company.

It’s smart to compare prices before your next renewal because car insurance prices change quite often. If you had the lowest rates on SRX coverage a year ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to learn the proper way to find great coverage at a great price.

Locating the lowest cost insurance coverage is easy if you know what you’re doing. Basically, every driver who carries insurance most likely will be able to find lower rates. Although consumers must learn the way companies sell online and use this information to your advantage.

Insurance policy discounts you can’t miss

Car insurance can cost a lot, but you may be missing some discounts that many consumers don’t even know exist. Most are applied when you quote, but a few need to be specially asked for before they will apply.

• Anti-lock Brake Discount – Cars with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
• Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with substantially lower premium rates.
• Multi-Vehicle Discounts – Having more than one vehicle with the same company may reduce the rate for each vehicle.
• Renewal Discounts – A few larger companies give discounts for switching companies before your current expiration date. Ten percent is about the average savings.
• Senior Citizen Discount – Seniors may receive lower premium rates on SRX coverage.
• Memberships – Participating in qualifying employment or professional organizations could qualify you for a break on your next insurance statement.
• Active Service Discounts – Being on active duty in the military may qualify for rate reductions.

We need to note that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount should help lower your policy premium.

Auto insurance companies who may offer some of the above discounts may include but are not limited to:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

Double check with all companies you are considering which discounts can lower your rates. A few discounts may not apply to policyholders in your state.

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Compare quotes for insurance coverage

The are a couple different ways to obtain and compare prices from insurance coverage companies in your area. The quickest method to lower the rate you pay for 2009 Cadillac SRX insurance involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

• If you are pressed for time, the simplest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This quick form prevents you from having to do repetitive form entry for every insurance coverage company. One form submission will get you price quotes from multiple low-cost companies.
• A more difficult way to compare rate quotes requires you to visit the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we’ll pretend you want to get rates from Allstate, Safeco and GMAC. You would be required to go to every website to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.
• The least efficient way to find and compare rates is to drive around to different agent offices. Comparing online rate quotes reduces the need to sit down with an agent unless you have a need for the professional guidance that can only be provided by a licensed insurance agent. Some companies do allow you to price shop online and still use a local agent.

The method you choose is up to you, but make absolute certain that you use the same coverage limits and deductibles for every company. If your comparisons have higher or lower deductibles it will be nearly impossible to decipher which rate is best. Having just a slight variation in insurance coverages could mean much higher rates. Just keep in mind that obtaining a wide range of quotes will enable you to find more affordable insurance.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs could use an agent’s help.

• Which is better, split liability limits or combined limits?
• Do I need replacement cost coverage on my 2009 Cadillac SRX?
• How can I get my company to pay me more for my totalled car?
• What are the best liability limits?
• What discounts do I qualify for?
• Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Coverage specifics

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Coverage for liability

This coverage can cover damage or injury you incur to a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like emergency aid, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a deer and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for ambulance fees, hospital visits, doctor visits, X-ray expenses and dental work. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Cadillac SRX.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

Collision insurance covers damage to your SRX resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

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Save your cold hard cash

When searching for low cost insurance coverage quotes, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. Your goal should be to find the BEST coverage at an affordable rate.

Throughout this article, we presented many tips how you can get a better price on 2009 Cadillac SRX insurance. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with an unexpected company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

Even more information can be read at these sites:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)

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