Best Insurance for a Cadillac SRX in Fresno

Insurance quote for Cadillac SRX in FresnoNo one is fond of buying car insurance, particularly when the cost is too high.

Inconceivable but true, most drivers have stayed with the same insurance company for at least the last four years, and 38% of customers have never compared car insurance rates at all. With the average premium in California being $1,400, drivers can save hundreds of dollars each year just by comparing rates, but they assume it’s a waste of time to compare other rate quotes.

Steps to finding cheaper quotes for Cadillac SRX insurance in Fresno

It takes a little time, but the best way to get discount Cadillac SRX insurance is to compare quotes once a year from different companies who sell auto insurance in Fresno.

One key aspect when comparing rates is to try to compare the same deductibles and limits on every quote request and to quote with as many different insurance providers as possible. Doing this enables the most accurate price comparison and the best rate selection.

Numerous car insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer to discover the definitive lowest rate on Cadillac SRX insurance in Fresno.

Car insurance analysis for a Cadillac SRX

The coverage information displayed next covers estimates of insurance costs for Cadillac SRX models. Having knowledge of how insurance quotes are formulated helps drivers make decisions on which coverage to buy.

Cadillac SRX Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $300 $576 $424 $26 $126 $1,452 $121
SRX Luxury 2WD $300 $664 $424 $26 $126 $1,540 $128
SRX Luxury AWD $300 $664 $424 $26 $126 $1,540 $128
SRX Performance 2WD $334 $664 $424 $26 $126 $1,574 $131
SRX Performance AWD $334 $664 $424 $26 $126 $1,574 $131
SRX Premium 2WD $334 $664 $424 $26 $126 $1,574 $131
SRX Premium AWD $334 $664 $424 $26 $126 $1,574 $131
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in specific location which can impact coverage prices substantially.

Choosing deductibles

One of the hardest decisions when shopping for car insurance is how high should your deductibles be. The comparisons below determine the differences in premium rates when you choose different policy deductibles. The first data set uses a $250 deductible and the second price grid 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 $386 $678 $442 $26 $132 $1,689 $141
SRX Luxury 2WD $386 $780 $442 $26 $132 $1,791 $149
SRX Luxury AWD $386 $780 $442 $26 $132 $1,791 $149
SRX Performance 2WD $430 $780 $442 $26 $132 $1,835 $153
SRX Performance AWD $430 $780 $442 $26 $132 $1,835 $153
SRX Premium 2WD $430 $780 $442 $26 $132 $1,835 $153
SRX Premium AWD $430 $780 $442 $26 $132 $1,835 $153
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Cadillac SRX insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $238 $426 $442 $26 $132 $1,264 $105
SRX Luxury 2WD $238 $490 $442 $26 $132 $1,328 $111
SRX Luxury AWD $238 $490 $442 $26 $132 $1,328 $111
SRX Performance 2WD $266 $490 $442 $26 $132 $1,356 $113
SRX Performance AWD $266 $490 $442 $26 $132 $1,356 $113
SRX Premium 2WD $266 $490 $442 $26 $132 $1,356 $113
SRX Premium AWD $266 $490 $442 $26 $132 $1,356 $113
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in zip code location which can change coverage rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs an average of $39 more each month or $468 each year averaged for all SRX models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 19 months between claims, you would more than likely save some money if you elect the higher deductible.

Learn How to Lower Your Insurance Costs

It’s important that you understand the rating factors that are used to determine the level of your policy premiums. If you know what impacts premium levels, this enables you to make decisions that will entitle you to lower car insurance prices.

The following are just a few of the factors used by your company to calculate your premiums.

Obey driving laws and save – Drivers with clean records pay lower auto insurance prices than bad drivers. Even a single speeding ticket or other violation can bump up the cost twenty percent or more. Drivers unfortunate enough to have severe tickets like DUI or willful reckless driving are required to file a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.

The chart below shows how speeding tickets and accident claims influence Cadillac SRX insurance prices for different categories of driver ages. The premiums assume a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Insure car and home with the same company – Most car insurance companies give better rates to buyers that buy multiple policies in the form of a multi-policy discount. Even if you qualify for this discount already, you still need to compare Cadillac SRX rates in Fresno to help guarantee you have the best rates.

Battle of the sexes – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. The data does not necessarily mean that males are worse at driving than females. Women and men are in accidents at a similar rate, but men cause more damage. Men also tend to get more serious tickets like DUI and reckless driving.

The example below visualizes the comparison of Cadillac SRX yearly insurance costs for male and female drivers. The information is based on no accidents, no driving violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.

Remove unneeded incidental coverages – Policies have extra coverages that you can buy if you aren’t careful. Coverages for coverage for rental cars, towing coverage, and Farm Bureau memberships are probably not needed. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.

Performance impacts insurance prices – The type of car you are insuring makes a significant difference in the rate you pay. The lowest performance passenger cars receive the most favorable rates, but many other things help determine your insurance rates.

The data below uses these variables: single female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The data compares Cadillac SRX policy rates compared to other vehicles that have a range of performance rating factors.

Liability insurance limits should be high – Your car insurance policy’s liability coverage will protect you in the event that you are found liable for causing personal injury or damage in an accident. It provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.

Cadillac SRX insurance claim data – Insurers take into consideration historical loss data for every vehicle to calculate a rate that will offset losses. Vehicles that the data shows to have higher number or severity of losses will have higher rates for specific coverages. The next table illustrates the loss history for Cadillac SRX vehicles.

For each coverage category, the claim probability for all vehicles compiled together is a value of 100. Numbers under 100 indicate a favorable loss history, while numbers shown that are more than 100 show a trend for more claims or tendency to have higher losses.

Cadillac SRX Insurance Claim Statistics
Vehicle 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Best car insurance company in Fresno

Choosing the top insurance company can be difficult considering how many different companies there are to choose from in California. The company ratings in the next section can help you decide which auto insurers to look at comparing prices from.

Top 10 Fresno Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

In conclusion

Some insurance companies do not provide online rate quotes and many times these smaller companies only sell through local independent agents. Cheaper Cadillac SRX insurance in Fresno is definitely available on the web as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates.

Drivers who switch companies do it for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, poor customer service and delays in paying claims. Regardless of your reason for switching companies, finding a great new company is easier than you think.

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

How to find more affordable Cadillac SRX insurance in Fresno

If you want to save the most money, the best way to find more affordable Cadillac SRX insurance in Fresno is to make a habit of regularly comparing prices from insurance carriers that insure vehicles in California. Price quotes can be compared by following these steps.

The most important part of shopping around is that you use similar coverage information on each quote and to quote with every insurance company. This helps ensure a fair price comparison and plenty of rates choose from.

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