Would you like to find more affordable Cadillac SRX insurance in Austin? Scraping up a payment for overpriced Cadillac SRX insurance in Austin can draw down your accounts and force you to prioritize other expenses. Comparing rate quotes can lower your rates and help to slash your bill and have more diposable income.
It’s hard to believe, but almost 70% of drivers have been with the same company for well over three years, and 38% of drivers have never quoted auto insurance rates at all. Austin drivers can save hundreds of dollars each year just by shopping around, but they just don’t understand the amount of money they would save if they switched to a cheaper policy.
Due to the fact that there are so many auto insurance companies to choose from, it can be impossible to choose a more affordable auto insurance provider.
You need to price shop coverage yearly due to the fact that insurance prices are constantly changing. Just because you had the best rates on Cadillac SRX insurance in Austin a few years ago you may be paying too much now. There is a lot of bad information regarding SRX insurance on the internet, but by reading this article, you’re going to learn some of the best techniques to buy auto insurance cheaper in Austin.
Finding the cheapest coverage in Austin can be much easier if you know how to start. If you have a policy now, you will be able to find better prices using these methods. But Texas consumers benefit from understanding how the larger insurance companies determine prices because it can help you find the best coverage.
Companies offering Cadillac SRX insurance in Austin
The auto insurance companies shown below are our best choices to provide quotes in Austin, TX. If multiple providers are shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| SRX Luxury 2WD | $286 | $694 | $430 | $26 | $128 | $1,564 | $130 |
| SRX Luxury AWD | $302 | $620 | $392 | $24 | $118 | $1,456 | $121 |
| SRX Performance 2WD | $224 | $486 | $462 | $28 | $138 | $1,338 | $112 |
| SRX Performance AWD | $354 | $788 | $400 | $24 | $120 | $1,686 | $141 |
| SRX Premium 2WD | $286 | $558 | $358 | $22 | $108 | $1,332 | $111 |
| SRX Premium AWD | $470 | $804 | $500 | $30 | $150 | $1,954 | $163 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in specific Austin garaging location which can increase or decrease premiums greatly.
How careless driving impacts auto insurance rates
The diagram below shows how violations and at-fault fender-benders impact Cadillac SRX insurance premiums for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
Learn How to Lower Your Insurance Premiums
The best way to find cheaper auto insurance is to take a look at some of the factors that are used to determine auto insurance rates. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that will entitle you to cheaper rates. Lots of factors are used when you get a price on insurance. Some are obvious like your driving record, but others are more obscure like your vehicle usage or how financially stable you are.
- Don’t buy incidental coverages that aren’t used – Policies have extra add-on coverages that may not really be needed on your SRX policy. Things like vanishing deductibles, accidental death, and membership fees could be just wasting money. You may think they are a good idea at first, but now you might not need them so eliminate them to save money.
- Use but don’t abuse your insurance – Companies in Texas provide discounts to insureds who are claim-free. If you are the type of insured that files lots of claims you can look forward to higher rates. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
- Poor driving habits means higher premiums – Having a clean driving record has a big impact on rates. Careful drivers get better prices compared to bad drivers. Having just one speeding ticket could increase your next policy renewal by twenty percent. Drivers who have gotten dangerous violations like reckless driving, hit and run or driving under the influence may be required to prove financial responsibility with their state motor vehicle department in order to prevent their license from being revoked.
- Limits of liability coverage – The liability section of your policy will provide protection if ever a jury decides you are liable for personal injury or accident damage. It will provide legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
- More traffic equals higher costs – Living in a rural area may provide you with better prices if you are looking for the lowest rates. Lower population means fewer accidents and lower theft and vandalism rates. Drivers in populated Texas areas have more traffic problems and more time behind the wheel. Higher commute times statistically corresponds to a higher accident and claim rate.
- Poor credit history equals high costs – A driver’s credit score factor in determining premium rates. So if your credit score leaves room for improvement, you could potentially save money when insuring your Cadillac SRX if you improve your credit rating. Drivers with high credit ratings tend to be better risks to insure than drivers who have poor credit scores.
- Insurance loss statistics a Cadillac SRX – Companies use claims history to calculate a price that will offset any claims. Models that have increased losses will have a higher cost to insure.
The next table shows the insurance loss data for Cadillac SRX vehicles. For each coverage type, the statistical loss for all vehicles, as a total average, is considered to be 100. Values that are below 100 imply a favorable loss record, while percentages above 100 point to more frequent losses or an increased likelihood of larger losses.
Auto Insurance Loss Data for Cadillac SRX Models
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 Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Save a ton on Cadillac SRX insurance in Austin with these car insurance discounts
Auto insurance companies don’t list every discount available very clearly, so the list below contains a few of the more well known and the more hidden credits available to bring down your rates. If you check and find you aren’t receiving every discount available, you could be paying more than you need to.
- Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will qualify for a discount on a Austin auto insurance quote.
- Low Mileage – Maintaining low annual mileage may enable drivers to earn cheaper prices.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
- Discounts for Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Defensive Driver – Completing a course teaching safe driver skills could cut 5% off your bill and make you a better driver.
- Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can cost up to 25% less because newer models keep occupants safer.
Discounts save money, but please remember that most discounts do not apply to the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So even though you would think you can get free auto insurance, you aren’t that lucky.
A few companies that have some of the above discounts are:
Before you buy a policy, ask all the companies the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in Austin. If you would like to view insurance companies that offer discounts in Austin, click here to view.
Local Austin car insurance agents
Many people still like to buy from a licensed agent and that is recommended in a lot of cases An additional benefit of getting online price quotes is that you can find cheap car insurance rates and still choose a local agent.
To find an agent, once you fill out this quick form, your insurance coverage information is emailed to local insurance agents who can give free rate quotes for your car insurance coverage. It’s much easier because you don’t need to search for an agent because prices are sent to you directly. You can find lower rates without a big time investment. If you have a need to get a rate quote from a particular provider, feel free to search and find their rate quote page and fill out the quote form the provide.
Finding the right company is decision based upon more than just the premium amount. The questions below may impact your decision as well.
- Is insurance their full-time profession?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they specialize in personal lines coverage in Austin?
- How many companies do they write for?
- Do they get paid more for recommending certain coverages?
- Will one accident increase rates?
When researching a good Austin insurance agent, it can be helpful to understand the different agency structures and how they can service your needs differently. Agencies in Austin are either independent or exclusive.
Exclusive Insurance Agencies
Exclusive insurance agents write business for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. They usually cannot compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are well schooled on what they offer which helps offset the inability to provide other markets.
Listed below are Austin exclusive insurance agencies who may provide you with price quote information.
Allstate Insurance: Cheri Roman
8103 Brodie Ln Ste 7 – Austin, TX 78745 – (512) 282-9999 – View Map
Robert Ndegwa – State Farm Insurance Agent
1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818 – View Map
Bob Jennings – State Farm Insurance Agent
4405 Pack Saddle Pass – Austin, TX 78745 – (512) 444-9671 – View Map
Independent Agencies or Brokers
Independent agents are not employed by any specific company so as a result can place your coverage with many different companies and possibly get better coverage at lower prices. If your premiums go up, they can switch companies in-house and you can keep the same agent. When comparing rate quotes, you definitely need to get rate quotes from several independent insurance agents for maximum quote selection.
Below is a list of independent insurance agents in Austin that can give you price quote information.
TY Lawrence Insurance Agency
2802 Flintrock Trace b101 – Austin, TX 78738 – (512) 732-2353 – View Map
Danback Insurance Agency
8312 Burnet Rd #115 – Austin, TX 78757 – (512) 454-4567 – View Map
Time Insurance Agency
1405 E Riverside Dr – Austin, TX 78741 – (512) 447-7773 – View Map
After getting satisfactory answers and a low price estimate, chances are good that you have found an insurance agency that meets the criteria to provide car insurance coverage.
When in doubt talk to an agent
When quoting and choosing coverage, there really is no one size fits all plan. Each situation is unique.
Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.
- Why am I required to buy high-risk coverage?
- Can I insure my car for more than it’s worth?
- Is upholstery damage covered by car insurance?
- Are my custom wheels covered?
- What vehicles should carry emergency assistance coverage?
- Am I missing any policy discounts?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.
Quote more and you will save more
People who switch companies do it for any number of reasons including policy cancellation, not issuing a premium refund, denial of a claim and even high rates after DUI convictions. Regardless of your reason, switching insurance companies can be less work than you think.
Some insurance providers may not offer internet price quotes and most of the time these small insurance companies sell through independent agents. Discount Cadillac SRX insurance can be purchased online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture.
We just presented many ideas to save on Cadillac SRX insurance in Austin. The key thing to remember is the more rate quotes you have, the higher your chance of finding the cheapest Cadillac SRX rate quotes. You may even be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising.
Additional information
- Young Drivers: The High Risk Years Video (iihs.org)
- What Insurance is Cheapest for a Toyota RAV4 in Austin? (FAQ)
- Who Has Cheap Car Insurance for a Ford Fusion in Austin? (FAQ)
- Who Has Affordable Car Insurance for a Toyota 4Runner in Austin? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Veterans in Austin? (FAQ)
- Who Has the Cheapest Auto Insurance After a Speeding Ticket in Austin? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)