Cheap Insurance for a Cadillac SRX in Columbus

Insurance rates Cadillac SRX in ColumbusIt takes a few minutes, but the best way to get discount Cadillac SRX insurance is to regularly compare quotes from providers who sell insurance in Columbus. Rates can be compared by following these guidelines.

  1. Take a few minutes and learn about how auto insurance works and the things you can control to keep rates low. Many rating criteria that cause high rates like accidents, traffic tickets, and an unacceptable credit rating can be controlled by being financially responsible and driving safely. This article gives more information to prevent high rates and find available discounts that you may qualify for.
  2. Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can give you price quotes from many different companies.
  3. Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you can save money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your company or agent to cancel the current policy. Submit the signed application along with the required initial payment to the new company. Immediately upon receiving it, store the certificate verifying proof of insurance in your vehicle.

One thing to point out is to try to compare the same deductibles and limits on every quote request and to quote with as many companies as feasibly possible. This helps ensure a fair price comparison and maximum price selection.

It’s safe to assume that auto insurance companies don’t want customers comparing rates. People who get price quotes annually are likely to switch insurance companies because there is a significant possibility of getting low-cost coverage. A recent insurance study revealed that consumers who routinely compared quotes saved as much as $72 a month compared to drivers who never shopped around for cheaper prices.

If finding the best rates on insurance in Columbus is your objective, then having some knowledge of the best ways to find and compare coverages can save time and money.

Cheap companies for Cadillac SRX insurance in Ohio

The companies in the list below can provide free quotes in Columbus, OH. If multiple providers are shown, we recommend you visit several of them to get a more complete price comparison.

Auto insurance analysis for a Cadillac SRX

The rate information shown below outlines different insurance prices for Cadillac SRX models. Being able to understand how rates are established can benefit drivers when making smart choices when comparing insurance quotes.

Cadillac SRX Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $96 $186 $218 $12 $66 $578 $48
SRX Luxury 2WD $96 $214 $218 $12 $66 $606 $51
SRX Luxury AWD $96 $214 $218 $12 $66 $606 $51
SRX Performance 2WD $106 $214 $218 $12 $66 $616 $51
SRX Performance AWD $106 $214 $218 $12 $66 $616 $51
SRX Premium 2WD $106 $214 $218 $12 $66 $616 $51
SRX Premium AWD $106 $214 $218 $12 $66 $616 $51
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in vehicle location which can impact price quotes noticeably.

Physical damage deductible comparison

One common question asked by Columbus drivers is how high should your deductibles be. The figures shown below can help you understand how much more you’ll pay when you choose different insurance deductibles. The first set of prices uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Cadillac SRX insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $220 $416 $226 $14 $68 $969 $81
SRX Luxury 2WD $220 $478 $226 $14 $68 $1,031 $86
SRX Luxury AWD $220 $478 $226 $14 $68 $1,031 $86
SRX Performance 2WD $246 $478 $226 $14 $68 $1,057 $88
SRX Performance AWD $246 $478 $226 $14 $68 $1,057 $88
SRX Premium 2WD $246 $478 $226 $14 $68 $1,057 $88
SRX Premium AWD $246 $478 $226 $14 $68 $1,057 $88
Get Your Own Custom Quote Go

Cadillac SRX insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $122 $220 $226 $14 $68 $650 $54
SRX Luxury 2WD $122 $252 $226 $14 $68 $682 $57
SRX Luxury AWD $122 $252 $226 $14 $68 $682 $57
SRX Performance 2WD $136 $252 $226 $14 $68 $696 $58
SRX Performance AWD $136 $252 $226 $14 $68 $696 $58
SRX Premium 2WD $136 $252 $226 $14 $68 $696 $58
SRX Premium AWD $136 $252 $226 $14 $68 $696 $58
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in Columbus location which can impact prices significantly.

Based on this data, using a $100 deductible will cost you about $29 more each month or $348 for a full year across all Cadillac SRX models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 31 months between claims, you would probably save some money if you decide on a higher deductible.

The example below demonstrates how choosing different deductibles and can change Cadillac SRX insurance costs for different age groups. The premiums are based on a married female driver, full coverage, and no discounts are factored in.

Impact of violations and accidents on rates

The information below illustrates how violations and at-fault accidents influence Cadillac SRX insurance premiums for each age group. The premiums are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.

Cadillac SRX liability-only versus full coverage

The illustration below illustrates the difference between Cadillac SRX auto insurance rates when comparing full coverage to state minimum liability only. The price estimates are based on no claims, a clean driving record, $100 deductibles, single status, and no additional discounts are factored in.

When to switch to liability coverage only

There isn’t a written rule of when to phase out full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it may be the right 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 damaged in an accident, the most you would get paid by your company is $3,000 after you pay the deductible. If premiums are more than $300 annually for full coverage, then you might want to consider buying only liability coverage.

There are some cases where removing full coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Save Money with These Tips

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that aid in calculating your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that could result in lower premium levels.

Listed below are a few of the “ingredients” used by companies to determine your rate level.

Cheaper Cadillac SRX insurance in Columbus

Companies offering auto insurance don’t always list all possible discounts very clearly, so the following list contains both well-publicized and the more hidden credits available to you.Discount insurance

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will help lower the amount you pay for coverage.

The example below shows the difference between Cadillac SRX car insurance costs with and without discounts applied to the policy premium. The rates are based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, safe-driver, claim-free, and homeowner discounts applied.

The best insurance companies and the discounts they provide include:

If you want low cost Columbus auto insurance quotes, ask each insurance company the best way to save money. Some discounts might not apply in your state. To choose companies with the best discounts in Ohio, follow this link.

When to have guidance from an insurance agency

Some people just want to go talk to an agent and often times that is recommended Most agents can answer important questions and give you someone to call. One of the benefits of getting online price quotes is that you can find the best rates and still have a local agent. And buying from local insurance agencies is still important in Columbus.

Insurance agents in ColumbusUpon completion of this form (opens in new window), the coverage information is immediately sent to companies in Columbus that can provide free Columbus auto insurance quotes for your business. You don’t have to search for any insurance agencies because prices are sent immediately to your email address. If you want to get a price quote from a specific company, feel free to jump over to their website to submit a rate quote request.

Choosing an insurer requires you to look at more than just the premium amount. Get answers to these questions too.

Cheaper car insurance rates are available

Cheaper car insurance in Columbus is available both online as well as from insurance agents, so you need to quote Columbus auto insurance with both in order to have the best chance of saving money. Some insurance companies do not offer rates over the internet and usually these smaller providers work with local independent agencies.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

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