Compare Cadillac SRX Insurance Quotes in Philadelphia

Searching for cheaper insurance for a new or used Cadillac SRX in Pennsylvania can be an all-consuming task, but you can follow our car insurance buying tips and make it easy.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the absolute fastest way to quote coverages for your Cadillac and locate the cheapest rates.

Consumers should take time to get comparison quotes yearly because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Cadillac SRX insurance in Philadelphia a couple years back other companies may now be cheaper. You can find a lot of information about SRX insurance out there, but by reading this article, you’re going to learn some of the best techniques to save money.

If you have coverage now or just want to reduce your rates, you can use these tips to reduce the price you pay and still get good coverage. Comparing quotes for more affordable coverage in Philadelphia is not that difficult. Comparison shoppers just need to know the fastest way to get comparison quotes online.

The fastest way that we advise to compare car insurance rates for Cadillac SRX insurance in Philadelphia is to know all the major auto insurance companies participate in a system to provide you with a free rate quote. To begin a comparison, all you need to do is provide information such as whether the vehicles are used for commuting, marital status, if a SR-22 is required, and an estimate of your credit level. Your information is instantly provided to insurance companies and you get price estimates quickly.

To find lower cheaper Cadillac SRX insurance rates now, click here and enter the information requested.

The companies shown below offer price quotes in Pennsylvania. If the list has multiple companies, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Car insurance policy discounts for Cadillac SRX insurance in Philadelphia

Not too many consumers would say car insurance is affordable, but companies offer discounts that may help make it more affordable. Certain discounts will be applied when you purchase, but a few need to be requested specifically prior to getting the savings.

• Own a Home and Save – Simply owning a home can save a few bucks because of the fact that having a home requires personal responsibility.
• Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
• Include Life Insurance and Save – Select companies reward you with a small discount if you purchase a life policy as well.
• Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.

Just know that most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, it’s just not the way it works.

The illustration below illustrates the comparison of Cadillac SRX auto insurance rates with and without discounts applied. The premiums are based on a female driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.

A list of companies and their offered discounts are included below.

• 21st Century offers discounts including defensive driver, anti-lock brakes, automatic seat belts, good student, student driver, and theft prevention.
• State Farm has savings for driver’s education, multiple autos, Drive Safe & Save, passive restraint, good student, anti-theft, and student away at school.
• AAA may include discounts for education and occupation, good student, pay-in-full, AAA membership discount, multi-car, multi-policy, and anti-theft.
• Liberty Mutual has discounts for new move discount, safety features, preferred payment discount, multi-policy, and multi-car.
• Progressive includes discounts for continuous coverage, homeowner, online quote discount, multi-policy, multi-vehicle, online signing, and good student.

When getting a coverage quote, ask each company which discounts you may be entitled to. Some discounts listed above might not be offered in Philadelphia. If you would like to view car insurance companies that can offer you the previously mentioned discounts in Pennsylvania, click this link.

Cadillac SRX coverage analysis

The premium information below showcases detailed analysis of coverage costs for Cadillac SRX models. Having a better understanding of how rate quotes are determined can assist in making smart choices when choosing a car insurance company.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in specific zip code location which can affect prices significantly.

Car insurance deductibles

A question often asked by Philadelphia drivers is how high should the physical damage deductibles be. The tables below help summarize the rate fluctuation of buying low and high deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in specific Philadelphia garaging location which can revise insurance rates noticeably.

Based on the data above, we can derive that using a $100 deductible will cost you about $42 more each month or $504 each year across all Cadillac SRX models than opting for the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 21 months between claims, you would save money if you choose a higher deductible.

The illustration below highlights how deductible selection and can change Cadillac SRX insurance costs for each age group. The data assumes a single female driver, comp and collision included, and no other discounts are factored in.

How much more does full coverage cost?

The information below visualizes the comparison of Cadillac SRX insurance rates with and without physical damage coverage. The price estimates are based on no claims or driving citations, $250 deductibles, single marital status, and no additional discounts are factored in.

When to drop comp and collision

There isn’t a steadfast formula to delete comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Cadillac SRX replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your deductible. If it’s costing in excess of $300 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some scenarios where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Lower Your Philadelphia Insurance Prices

Multiple criteria are taken into consideration when quoting car insurance. Some are pretty understandable like a motor vehicle report, although some other factors are not quite as obvious such as your marital status or how financially stable you are. It’s important that you understand some of the elements that go into determining your auto insurance rates. When consumers understand what controls the rates you pay, this allows you to make educated decisions that may result in big savings.

Male costs may be higher – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that men are worse drivers. Men and women have at-fault accidents at about the same rate, but the men get into accidents with more damage. Men also statistically receive more major tickets like reckless driving and DUI.

The information below shows the comparison of Cadillac SRX auto insurance rates for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.

Age of drivers impacts prices – Drivers with little experience are statistically proven to get distracted easily when driving with friends therefore auto insurance rates are much higher. More experienced drivers are viewed as being more responsible, statistically cause fewer accidents, and are safer drivers.

The following data uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

A good credit rating can save money – Having a good credit score factor in calculating your premium rate. If your credit is lower than you’d like, you may save money insuring your Cadillac SRX by spending a little time repairing your credit. People with very good credit scores tend to be better risks to insure than those with worse credit.

Lower rates for married couples – Walking down the aisle may save some money when shopping for auto insurance. Having a significant other is viewed as being less irresponsible and it’s statistically proven that married couples file fewer claims.

Location can influence price – Residing in a rural area can be a good thing when talking about auto insurance. Residents of big cities have to deal with more traffic problems and more time behind the wheel. Fewer people translates into fewer accident claims.

Responsible drivers pay less – Your driving record influences premium rates substantially. Drivers with clean records have lower premiums compared to drivers with tickets. Getting just one driving citation can increase the cost of insurance by as much as twenty percent. Drivers unfortunate enough to have flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to keep their license.

The example below illustrates how violations and accidents can increase Cadillac SRX insurance prices for each age group. Data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Avoid auto insurance lapses – Going without insurance is a quick way to drive up your policy premiums. Not only will you pay higher rates, not being able to provide proof of insurance could result in a steep fine or even jail time.

Cadillac SRX claim data – Insurance companies analyze claim trends for every vehicle in order to profitably underwrite each model. Models that tend to have a trend towards higher claim severity or frequency will have higher rates for specific coverages. The table below demonstrates the compiled insurance loss statistics for Cadillac SRX vehicles.

For each coverage category, the claim probability for all vehicles compiled together is represented as 100. Values that are under 100 imply a favorable loss record, while percentage values above 100 indicate more frequent claims or larger claims.

Local Philadelphia car insurance agents and car insurance

Some consumers just want to talk to an insurance agent. Experienced insurance agents can answer important questions and help submit paperwork. A nice benefit of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to. Putting coverage with neighborhood insurance agencies is still important in Philadelphia.

To find an agent, once you fill out this form (opens in new window), your information is submitted to insurance agents in Philadelphia who will give you quotes for your insurance coverage. There is no need to leave your house as quotes are delivered straight to your inbox. In the event you want to get a price quote for a specific company, you can always go to their quote page to submit a rate quote request.

Finding the right company requires you to look at more than just the premium amount. You should also get answers to these questions.

• Is the agency involved in supporting local community causes?
• Does the company have a local claim office in Philadelphia?
• What are the financial ratings for the companies they represent?
• Is coverage determined by price?
• Are they giving you every discount you deserve?
• Will the agent or a CSR service your policy?
• Is the agent CPCU or CIC certified?
• Will the agent help in case of a claim?

What insurance coverages do I need?

Always remember that when buying coverage online or from an agent for your personal vehicles, there really isn’t a best way to insure your cars. Your situation is unique so your insurance needs to address that.
These are some specific questions may help you determine if your situation could use an agent’s help.

• Are combined or split liability limits better?
• Does every company file a SR-22 automatically?
• Why do I have to buy liability insurance?
• Am I covered if I have no license?
• How do I buy GAP insurance?
• Is a fancy paint job covered?
• Is borrowed equipment or tools covered if stolen or damaged?
• How much liability insurance is required?
• Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Smart consumers save more

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice collision coverage only to discover later they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

Some insurance providers don’t offer internet price quotes and most of the time these small insurance companies prefer to sell through independent insurance agencies. Lower-priced auto insurance in Philadelphia is available both online as well as from insurance agents, and you need to price shop both so you have a total pricing picture.

Additional information can be read at these links:

• Understanding Rental Car Insurance (Insurance Information Institute)
• How Much are Philadelphia Car Insurance Rates for a Ford Escape? (FAQ)
• Who Has Cheap Car Insurance Rates for a Toyota Highlander in Philadelphia? (FAQ)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)