Car Insurance Quotes for a Cadillac SRX in Miami

Discount Cadillac SRX insuranceWant 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.Discount insurance

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.

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.

Cadillac SRX Insurance Rates in Miami, FL
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.

Cadillac SRX insurance policy rates with $250 deductibles
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

Cadillac SRX insurance policy rates with $1,000 deductibles
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.

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.

Insurance agency in MiamiTo 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.

View more Miami agents

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.

View more Miami agents

Finding the right insurance agency should include more criteria than just a cheap price. These are some valid questions you should ask.

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.

  1. 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.
  2. 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.
  3. 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.
  4. 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.

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