Want a free price quotes on low-cost Cadillac SRX insurance in Miami? Buying car insurance online can be challenging if you have never taken advantage of online rate comparisons. Don’t let that stop you because it’s actually quite easy to find affordable Cadillac SRX in Miami.
Amazingly, almost 70% of drivers renewed their policy with the same company for four years or more, and just short of a majority have never compared rates to find cheaper insurance. Florida drivers could cut their rates by up to 55% a year just by getting comparison quotes, but they just assume it’s a time-consuming process to compare rates online.
If you have car insurance now, you will most likely be able to reduce the price you pay using the ideas presented in this article. These tips will teach you a little about the best ways to compare prices and how you can save the most money. Nevertheless, Florida car owners can benefit from knowing how companies price online insurance.
How to get free Cadillac SRX insurance quotes online
Most of the larger companies such as GEICO, State Farm and Progressive allow consumers to get coverage price quotes on the web. Getting online rates for Cadillac SRX insurance in Miami is pretty easy because it’s just a matter of typing in your required coverages as detailed in the form. Once entered, their system pulls your driving and credit reports and returns a price based on these factors.
Using the web to get price quotes for Cadillac SRX insurance in Miami helps simplify price comparisons, and it is important to perform this step if you are searching for affordable auto insurance pricing.
To save time and compare pricing, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you copy deductibles and limits just like they are on your policy. This makes sure you will have rate comparison quotes for the exact same coverage.
The auto insurance companies shown below have been selected to offer comparison quotes in Miami, FL. If multiple companies are listed, we suggest you click on several of them to get the cheapest price.
Save with these premium slashing discounts
Some insurers do not list every discount available in an easy-to-find place, so below is a list both well-publicized as well as the least known discounts that you can inquire about if you buy Miami car insurance online.
- Renewal Discounts – A few larger companies allow discounts for buying a new policy before your current coverage expires. The savings is around 10%.
- Smart Student Discounts – Maintaining excellent grades may save you up to 25%. The discount lasts until age 25.
- No Charge for an Accident – Not a discount per se, but certain companies will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
- Driving Data Discount – Insureds who allow their insurance company to look at driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as they are good drivers.
- Air Bag Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
- ABS Braking Discount – Cars and trucks with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
- Sign Online – A handful of larger companies give back up to $50 get Miami car insurance on your computer.
While discounts sound great, it’s important to understand that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, insurance companies aren’t that generous.
The information below illustrates the comparison of Cadillac SRX auto insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, a clean driving record, no claims, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, marriage, multi-policy, and multi-car discounts applied.
A few popular companies and a partial list of their discounts are included below.
- 21st Century discounts include early bird, air bags, good student, anti-lock brakes, theft prevention, homeowners, and student driver.
- Progressive offers discounts including online signing, continuous coverage, multi-policy, homeowner, multi-vehicle, good student, and online quote discount.
- State Farm may include discounts for good driver, accident-free, Steer Clear safe driver discount, good student, defensive driving training, and student away at school.
- Nationwide has savings for accident-free, family plan, multi-policy, easy pay, and Farm Bureau membership.
- Esurance may offer discounts for multi-policy, claim free, Switch & Save, anti-lock brakes, emergency road assistance, and online shopper.
- The Hartford offers premium reductions for anti-theft, good student, air bag, bundle, and defensive driver.
Before purchasing a policy, check with every company to apply every possible discount. A few discounts might not be offered in every state.
Facts and figures for Cadillac SRX insurance
The premium information shown below covers detailed analysis of insurance policy prices for Cadillac SRX models. Being more informed about how auto insurance prices are calculated can be of help when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $284 | $544 | $400 | $24 | $120 | $1,372 | $114 |
| SRX Luxury 2WD | $284 | $626 | $400 | $24 | $120 | $1,454 | $121 |
| SRX Luxury AWD | $284 | $626 | $400 | $24 | $120 | $1,454 | $121 |
| SRX Performance 2WD | $316 | $626 | $400 | $24 | $120 | $1,486 | $124 |
| SRX Performance AWD | $316 | $626 | $400 | $24 | $120 | $1,486 | $124 |
| SRX Premium 2WD | $316 | $626 | $400 | $24 | $120 | $1,486 | $124 |
| SRX Premium AWD | $316 | $626 | $400 | $24 | $120 | $1,486 | $124 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in your specific Miami location which can modify auto insurance rates considerably.
Raise deductibles and save
One of the most common auto insurance questions is how high should your deductibles be. The rates below may help you to understand the premium difference of buying low and high physical damage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| SRX Luxury 2WD | $364 | $736 | $418 | $24 | $124 | $1,691 | $141 |
| SRX Luxury AWD | $364 | $736 | $418 | $24 | $124 | $1,691 | $141 |
| SRX Performance 2WD | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| SRX Performance AWD | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| SRX Premium 2WD | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| SRX Premium AWD | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| SRX Luxury 2WD | $224 | $464 | $418 | $24 | $124 | $1,254 | $105 |
| SRX Luxury AWD | $224 | $464 | $418 | $24 | $124 | $1,254 | $105 |
| SRX Performance 2WD | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| SRX Performance AWD | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| SRX Premium 2WD | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| SRX Premium AWD | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in specific zip code location which can change coverage prices significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $37 more each month or $444 each year than quoting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 20 months between claims, you would probably come out ahead going with the higher deductible.
The information below shows how choosing a deductible and can increase or decrease Cadillac SRX insurance costs for each age group. The premiums are based on a married male driver, comp and collision included, and no policy discounts are applied.
Learn How to Lower Your Insurance Premiums
An important part of buying insurance is that you know some of the things that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with better auto insurance rates. Multiple criteria are considered when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but some are not quite as obvious such as whether you are married or your commute time.
Listed below are a few of the things auto insurance companies consider when setting your rates.
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Older drivers pay less – Older people tend to be more responsible, tend to file fewer claims, and are generally more financially stable. Teenage drivers are statistically shown to be inattentive and easily distracted with other occupants in the car so they pay higher auto insurance rates.
The data below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
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Fast cars cost more to insure – The type of car you are trying to find cheaper insurance for makes a big difference in your car insurance bill. Lower cost passenger models generally have the cheapest insurance rates, but many other things help determine your insurance rates.
The chart below is based on a married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The data compares Cadillac SRX insurance rates compared to other vehicles that have different risk factors.
- Liability limits on your policy – Liability coverage will afford coverage if ever a jury decides you are liable for an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
- Insure your auto and home with one company – The majority of insurers afford a discount to people who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, drivers will still want to get quotes from other companies to ensure the best deal.
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Cautious drivers have lower costs – Only having one speeding ticket can bump up the cost substantially. Drivers with clean records receive lower rates than their less careful counterparts. People who have license-revoking citations like DWI, reckless driving or hit and run convictions may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
The example below illustrates how speeding tickets and at-fault collisions increase Cadillac SRX insurance rates for each age group. The price estimates are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.
- Big city or small town – Living in areas with lower population can save you money when buying auto insurance. People in densely populated areas have to deal with congested traffic and more severe claims. Less people living in that area translates into fewer accident claims in addition to lower liability claims.
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Insurance loss data for a Cadillac SRX – Insurers use claims history when setting premium costs. Models that historically have a trend towards higher claim severity or frequency will have higher rates for specific coverages.
The data below shows the actual insurance loss data for Cadillac SRX vehicles. For each insurance policy coverage type, the loss probability for all vehicles averaged together is equal to 100. Numbers below 100 represent a good loss history, while values over 100 indicate higher probability of having a loss or tendency to have larger claims.
Cadillac SRX Insurance Claim Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Cadillac SRX 4dr 2WD 103 101 84 80 82 91 Cadillac SRX 4dr 4WD 109 106 103 78 75 83 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance quotes from local Miami insurance agents
A lot of people still prefer to go talk to an agent and doing that can be a smart decision A nice benefit of comparing insurance prices online is the fact that you can find cheap rate quotes but still work with a licensed agent. Supporting local insurance agents is important particularly in Miami.
To help locate an agent, after submitting this form (opens in new window), the quote information is emailed to insurance agents in Miami who will give you quotes and help you find cheaper coverage. There is no reason to even leave your home due to the fact that quote results will go to you instantly. You can find the lowest rates without a big time investment. If you want to quote rates for a specific company, you just need to navigate to their website and complete a quote there.
Compare rates from both independent and exclusive car insurance agents
If you’re trying to find a reliable insurance agency, you must know there are a couple types of insurance agents and how they differ in how they quote coverages. Miami agents can either be exclusive agents or independent agents.
Independent Insurance Agencies or Brokers
Agents that choose to be independent do not work for one specific company and that is an advantage because they can write policies through many companies depending on which coverage is best. If premiums increase, they can switch companies in-house and the insured can keep the same agent. When comparing insurance rates, we recommend you get rate quotes from at a minimum one independent agency for maximum quote selection. Many write coverage with less well-known companies that can offer cheaper rates than bigger companies.
Shown below is a small list of independent insurance agencies in Miami who may be able to give you free rate quotes.
- Estrella Insurance #114
8615 Biscayne Blvd – Miami, FL 33138 – (305) 757-5900 – View Map - Exclusive Insurance Agency Inc.
7175 SW 8th St #203 – Miami, FL 33144 – (305) 263-4855 – View Map - Beck and Lo’s Insurance Agency
3636 NW 36th St – Miami, FL 33142 – (305) 634-3306 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive normally can only provide a single company’s rates like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agencies receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Some insured continue to use the same agent mainly due to the prominence of the brand instead of buying on price only.
Shown below is a list of exclusive insurance agents in Miami that are able to give price quotes.
- Gus Figueredo – State Farm Insurance Agent
7950 W Flagler St #103 – Miami, FL 33144 – (305) 262-0440 – View Map - Mario Obregon – State Farm Insurance Agent
6701 Sunset Dr #115 – South Miami, FL 33143 – (305) 661-7667 – View Map - Allstate Insurance: Ramon Balladares
2455 SW 27th Ave #210 – Miami, FL 33145 – (305) 859-8556 – View Map
Finding the right insurance agency should include more criteria than just a cheap price. These are some valid questions you should ask.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How experienced are they in personal risk management?
- Are they properly licensed to sell insurance in Florida?
- Do they carry Errors and Omissions coverage?
- Are they involved in claim handling?
- Can you get a list of referrals?
- Do they specialize in personal lines auto insurance in Miami?
In conclusion
Insureds change insurance companies for many reasons like poor customer service, extreme rates for teen drivers, denial of a claim or even high prices. Regardless of your reason, choosing a new insurance company can be pretty painless.
As you quote Miami car insurance, you should never reduce needed coverages to save money. In many cases, consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.
Budget-conscious Cadillac SRX insurance is available from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies may not offer online quoting and these smaller companies only sell through independent agents.
Steps to finding low-cost rates for Cadillac SRX insurance in Miami
The best way to find lower priced car insurance rates in Miami is to compare prices once a year from insurers that sell auto insurance in Florida.
- Read and learn about individual coverages and the changes you can make to keep rates down. Many policy risk factors that drive up the price like tickets, at-fault accidents, and a negative credit score can be rectified by making minor changes to your lifestyle.
- Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote rates from multiple companies.
- Compare the new rate quotes to the price on your current policy and see if you can save money. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your agent or company to cancel your current coverage and submit the required down payment along with the signed application to the new insurer. Once received, keep your new proof of insurance paperwork with the vehicle registration.
An important note is that you’ll want to compare the same deductibles and limits on every price quote and and to get rates from as many companies as feasibly possible. Doing this helps ensure a level playing field and plenty of rates choose from.
More detailed auto insurance information can be found in these articles:
- Top Signs Your Brakes are Giving Out (State Farm)
- What Insurance is Cheapest for Used Cars in Miami? (FAQ)
- Who Has Affordable Miami Car Insurance Quotes for Infrequent Drivers? (FAQ)
- How Much are Car Insurance Quotes for a Jeep Wrangler in Miami? (FAQ)
- How Much is Miami Car Insurance for Teenage Males? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How to Avoid Staged Accidents (State Farm)
- Side Impact Crash Tests (iihs.org)