Car Insurance Quotes for Cadillac SRX

The national average monthly premiums for this type of vehicle range between $103 and $193, depending on various factors. Before you get behind the wheel of your Cadillac SRX, be sure to protect yourself with the right auto insurance.

At one time, this compact luxury crossover was Cadillac’s most popular vehicle with its standard all-leather interior and side airbags. It won numerous awards during its youth in the early 2000s, but the 2005-08 SRX models were named worst in class by the Insurance Institute for Highway Safety due to an astonishing death rate of 63 compared to others in its class with an average of 23.

Every driver has a unique set of needs and budget. Freeway Insurance can help you navigate the maze of options to ensure you get the most affordable car insurance for your situation.

There are various types of car insurance coverage, from full coverage with collision insurance to personal injury protection and liability only. Insurers base your premiums on the type of coverage you choose and many other factors, such as your age, how old the vehicle is, and where you live and park the vehicle. Deciding between full coverage and minimum liability will also make a huge difference in the final cost of your policy.

Full Coverage

A full coverage policy will give you the most complete protection as it includes liability, collision and comprehensive. Liability is for property damage or bodily injury you cause others in an accident and collision to cover the cost of damages to your vehicle if you’re the one who caused the crash. Comprehensive helps pay for non-accident-related losses, such as theft or a natural disaster. A full coverage policy for a Cadillac SRX will cost you $193 per month on average and gives you peace of mind that you’ll be covered in most situations.

State Minimum Liability

A minimum liability policy only gives you basic coverage. Each state has requirements for how much coverage you must have in order to drive your car on public roads. For example, when buying car insurance in Arizona, you’ll need a minimum of $25,000 of coverage for bodily injury or death of a single person and $50,000 for multiple people if you’re at fault for an accident. Also, the state requires a minimum of $15,000 to cover property damage.

This type of policy only costs an average of $103, but a single accident can cost you more than $15,000 in property damage. If that does happen, you will have to pay the amount that isn’t covered out of your own pocket, so it’s always worth looking into getting more than the minimum.

Insurers consider many factors when calculating your premiums. Here are some examples that will affect the cost of your policy:

Driving Experience

The presumption is that the more you drive, the better you’ll be at it. Therefore, insurers will charge more for newer drivers and less for people with more driving experience.

Driving Record

The better your history looks, the less you’ll pay for coverage. People who never get pulled over for speeding and don’t get into accidents will pay less than those with checkered driving records.

Vehicle Type

What type of car you drive also matters. Some vehicles cost more than others to replace or repair. If you’re in an accident with full coverage or collision only, your insurer will have to cover the tab for the damages, so the type of car you drive will help determine your rate.

If you get convicted for driving while under the influence of alcohol, your premiums will likely skyrocket. Your insurer will consider you a high-risk driver, which means you might have to get a more expensive policy and you will have to pay to obtain an SR-22 certificate.

There are various discounts that can help lower the cost of your policy. For example, if you get your homeowner’s policy from the same company that insures your car, they’ll likely offer you a multi-policy discount. Keep your driving record clean, and you’ll earn a safe driver discount.

Here are a few more discounts you may be entitled to:

The Cadillac SRX is a luxury crossover vehicle. It debuted in 2004 and was discontinued after 2016. It offered a combination of comfort and power, with later models typically featuring a 3.6-liter V6 engine.