How Much Does 2008 Cadillac SRX Car Insurance Cost?

Shoppers have lots of choices when shopping for low-cost Cadillac SRX insurance. They can either spend hours driving around to compare prices or save time using the internet to find the lowest rates.

There is a better way to buy insurance and we’ll show you the absolute fastest way to price shop coverage for your Cadillac and locate the lowest price from local insurance agents and online providers.

You should take the time to shop coverage around before your policy renews because rates change frequently. Just because you had the lowest rates for SRX coverage last year you can probably find a lower rate today. There is too much inaccurate information about insurance online, so I’m going to show you some guaranteed methods to put money back in your pocket.

If you are insured now or are shopping for new coverage, you can follow these tips to reduce the price you pay and possibly find even better coverage. This information will introduce you to how to effectively get price quotes and some tricks to saving. Drivers just need to learn the proper methods to shop their coverage around online.

Car Insurance Prices Online

Getting a cheaper price on 2008 Cadillac SRX insurance is actually quite simple. Drivers just need to take the time getting comparison quotes online from several insurance companies. This can be accomplished in several different ways.

The best way to find low rates would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do boring form submissions for every car insurance company. Filling out one form compares rates from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
A more difficult way to get comparison quotes is to manually visit the website of each company and request a quote. For sake of this example, we’ll pretend you want comparison quotes from USAA, Allstate and Progressive. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
The hardest method to compare rates is to waste gas driving to local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you have a need for the professional advice only provided by licensed agents. It is possible to get the lowest quotes online and get advice from an agent in your area. We’ll cover that shortly.

It’s your choice how you get your quotes, but ensure you’re using exactly the same coverage limits and deductibles for each comparison quote. If you are comparing higher or lower deductibles it’s impossible to find the best deal for your Cadillac SRX.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be asked for before they will apply. If you aren’t receiving every discount available, you’re just leaving money on the table.

No Charge for an Accident – A few companies permit an accident before raising your premiums if you are claim-free prior to the accident.
Distant Student – Youth drivers who live away from home and don’t have a car may be able to be covered for less.
Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
Air Bag Discount – Cars that have air bags may earn rate discounts of more than 20%.
Own a Home – Owning a home can save you money because owning a home demonstrates responsibility.
Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. Just because you may think you could get a free insurance policy, you’re out of luck. Any amount of discount will help reduce the cost of coverage.

To see a list of insurance companies offering insurance discounts, click this link.

When might I need an agent?

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if you may require specific advice.

Am I covered if I break a side mirror?
Is other people’s property covered if stolen from my vehicle?
What is UM/UIM insurance?
Does my policy cover my teen driver if they drive my company car?
Do I pay less if my vehicle is kept in my garage?
Do I get a pro-rated refund if I cancel my policy early?
Do I have coverage for damage caused while driving under the influence?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is business equipment covered while in my vehicle?
Do I need higher collision deductibles?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Car insurance coverage information

Having a good grasp of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like prosthetic devices, chiropractic care, ambulance fees, surgery and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability

This coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair bills for other people’s vehicles, funeral expenses and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2008 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. So UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

This will pay to fix damage to your SRX resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, crashing into a building, sideswiping another vehicle, colliding with a tree and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, vandalism, damage from a tornado or hurricane and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.