2016 Cadillac SRX Insurance Rates
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UPDATED: Dec 19, 2019
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Average insurance rates for a 2016 Cadillac SRX are $1,484 a year including full coverage. Comprehensive insurance costs approximately $292, collision insurance costs $592, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $3,238 or more. Teen drivers receive the highest rates at up to $5,594 a year.
Annual premium for full coverage: $1,484
Rate estimates for 2016 Cadillac SRX Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2016 Cadillac SRX models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $496 for just liability insurance to a much higher rate of $3,238 for a driver that may need high-risk insurance.
These differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2016 Cadillac SRX Insurance
Feel like you have an underperforming, overpriced car insurance policy? Believe me when I say many consumers feel financially strained by their car insurance policy. Consumers have so many car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it makes it harder to compare rates.
Find hidden discounts on auto insurance
Companies that sell car insurance don’t always list all disounts in an easy-to-find place, so we break down some of the more common as well as some of the hidden discounts you could be receiving when you buy car insurance online.
- Life Insurance Discount – Select companies reward you with a small discount if you purchase some life insurance too.
- Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
- Employee of Federal Government – Having worked for a branch of the government may reduce rates when you quote car insurance for SRX coverage depending on your auto insurance provider.
- Accident Free – Drivers with accident-free driving histories have much lower rates in comparison with insureds who have frequent claims or accidents.
- Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts could see savings of 25 to 30%.
- Student in College – College-age children who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
- Policy Bundle Discount – If you combine your auto and home policies and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
Remember that most discounts do not apply the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
Large auto insurance companies and a partial list of their discounts include:
- Progressive may include discounts for good student, multi-policy, homeowner, multi-vehicle, online quote discount, online signing, and continuous coverage.
- Farmers Insurance discounts include pay in full, good student, distant student, bundle discounts, teen driver, switch companies, and business and professional.
- Farm Bureau offers premium reductions for driver training, safe driver, multi-vehicle, multi-policy, and renewal discount.
- State Farm has savings for passive restraint, safe vehicle, good driver, student away at school, and defensive driving training.
- GEICO offers discounts including emergency military deployment, seat belt use, federal employee, anti-theft, and good student.
- SAFECO offers discounts for multi-car, teen safe driver, accident prevention training, homeowner, teen safety rewards, and safe driver.
- Liberty Mutual may offer discounts for new move discount, safety features, teen driver discount, hybrid vehicle, preferred payment discount, newly retired, and multi-car.
It’s a good idea to ask every insurance company which discounts you qualify for. All car insurance discounts may not apply to policies in your area. To choose insurance companies that offer some of these discounts, click here to view.
How to get the cheapest car insurance
Lowering your 2016 Cadillac SRX car insurance rates is pretty simple and can save money. You just have to take time comparing free car insurance quotes online from several insurance companies. This is very easy and can be done by following the guidelines below.
- One of the fastest ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating repetitive form submissions for each company you want a rate for. In just a few minutes this one form gets rate comparisons from car insurance companies with the best prices.
- A harder way to shop for car insurance online requires visiting the website for every company you want to comare and complete a new quote form. For instance, we’ll assume you want to get rates from State Farm, Allstate and GEICO. In order to compare rates, you need to spend time on each company’s site and repeatedly type in your coverage information, which can be really labor intensive. For a list of companies in your area, click here.
- If you have time to kill, the last way to comparison shop is going to all the different insurance agencies. The internet can eliminate the need for a local agent unless you want the guidance of a local agency. However, consumers can price shop your coverage online but purchase the actual policy in an agency.
Compare rates however you want, just be certain you are entering identical information for every company. If you are comparing different deductibles you will not be able to make an equal comparison.
Tailor your auto insurance coverage to you
When it comes to buying adequate coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.
- Will filing a claim cost me more?
- Are rock chip repairs covered?
- Is other people’s property covered if stolen from my vehicle?
- Is my teen driver covered when they drive my company car?
- Exactly who is provided coverage by my policy?
- Does my insurance cover my expensive audio equipment?
- How can I find cheaper teen driver insurance?
- When should my teen driver be added to my policy?
- When should I buy a commercial auto policy?
- Do I benefit by insuring my home with the same company?
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If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.
The ad said I’d save $388 a year!
Consumers can’t get away from ads for cheaper insurance coverage from the likes of Allstate and Progressive. They all seem to make the point about savings just by switching your insurance coverage policy to them.
How does each company make almost identical claims? Just pay attention to how they say it.
Insurance coverage companies have underwriting criteria for the type of insured that will most likely be profitable. For example, this type of insured could be between the ages of 30 and 50, carries high limits, and has excellent credit. A propective insured that matches those criteria will get the preferred rates and is almost guaranteed to save a lot if they switch.
Consumers who do not meet this ideal profile will be charged higher premiums which leads to the customer buying from a different company. The trick companies use is to say “customers that switch” but not “everyone who gets a quote” save that kind of money. That’s the way companies can lure you into getting a quote.
This really emphasizes why you really need to get price quotes at each policy renewal. It’s impossible to know the company that will give you the biggest savings.
Auto insurance coverage basics
Having a good grasp of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as rolling your car, damaging your car on a curb, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Cadillac SRX.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.
This will cover injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims like loss of income, funeral expenses, pain and suffering, medical services and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like surgery, funeral costs and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as hail damage, rock chips in glass and theft. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Better coverage you can count on
We just presented a lot of tips how to shop for 2016 Cadillac SRX insurance online. It’s most important to understand that the more companies you get car insurance rates for, the better likelihood of getting inexpensive car insurance. Consumers could even find that the lowest rates come from a smaller regional carrier. Some small companies often have lower car insurance rates on specific markets than their larger competitors like Progressive or GEICO.
Discount 2016 Cadillac SRX insurance can be found both online and with local insurance agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer online price quotes and most of the time these regional carriers work with independent insurance agencies.
Additional learning opportunities
- Rental Car Insurance Tips (Insurance Information Insitute)
- What is a Telematics Device? (Allstate)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Avoiding Deer Collisions (Insurance Information Insitute)
- Event Data Recorders FAQ (iihs.org)
Rates by U.S. City
|New York City, NY||$2,346|
|Los Angeles, CA||$2,538|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$112|
|5-yr Claim Free||$97|
|Paid in Full/EFT||$69|
Discounts are estimated and may not be available from every company or in every state.