Best Ways to Save on Houston Cadillac SRX Insurance

Searching for low-cost insurance for a new or used Cadillac SRX in Texas can be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to find insurance online so we’re going to tell you the quickest way to compare rates for a new or used Cadillac and locate the lowest possible price from both online companies and Houston agents.

It’s a good idea to shop coverage around once or twice a year since prices change regularly. Just because you found the best quotes on Cadillac SRX insurance in Houston six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because we’re going to show you how to use online quotes to find lower rates on insurance.

The auto insurance companies shown below have been selected to offer free quotes in Houston, TX. If the list has multiple companies, we recommend you visit several of them to get a more complete price comparison.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise premiums considerably.

Insurance rate increases from tickets or accidents

The illustration below demonstrates how citations and fender-benders can raise Cadillac SRX insurance costs for different insured age categories. The rates are based on a single male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Where to set your deductibles

One of the most common auto insurance questions is at what level do you set your deductibles. The following tables highlight how much more rates are when you buy lower versus higher deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in zip code location which can change insurance rates considerably.

We can derive from the above data that using a $250 deductible will cost you approximately $19 more each month or $228 every year than choosing the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 13 months between claims, you would probably save some money if you opt for a higher deductible.

Verify you’re applying every discount

Companies offering auto insurance don’t always publicize all discounts very clearly, so the list below contains some of the more common and the harder-to-find savings tricks you should be using when you buy Houston car insurance online.

• Multiple Cars – Buying a policy with all your vehicles on one policy can reduce rates for all insured vehicles.
• Waiver for an Accident – This one is not really a discount per se, but companies like Liberty Mutual and GEICO will forgive one accident before your rates go up so long as you are claim-free for a particular time prior to the accident.
• Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.
• Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
• Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
• College Student – Children who are attending college and do not have access to a covered vehicle could qualify for this discount.

Discounts save money, but please remember that most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like you could get a free insurance policy, it doesn’t quite work that way.

A few popular companies and a selection of discounts are shown below.

• Progressive policyholders can earn discounts including multi-policy, online signing, multi-vehicle, good student, continuous coverage, homeowner, and online quote discount.
• Farmers Insurance discounts include teen driver, mature driver, business and professional, switch companies, and alternative fuel.
• Farm Bureau may offer discounts for 55 and retired, youthful driver, good student, multi-policy, and multi-vehicle.
• State Farm offers premium reductions for good driver, safe vehicle, accident-free, defensive driving training, student away at school, and Drive Safe & Save.
• GEICO may include discounts for military active duty, anti-theft, driver training, multi-vehicle, and emergency military deployment.
• SAFECO has discounts for anti-theft, bundle discounts, multi-car, anti-lock brakes, and safe driver.
• Liberty Mutual offers discounts for exclusive group savings, teen driver discount, newly married, preferred payment discount, newly retired, new vehicle discount, and safety features.

When getting free Houston car insurance quotes, it’s a good idea to every company to apply every possible discount. Some discounts may not be offered everywhere. If you would like to view insurers that offer discounts in Texas, click this link.

Buying the right vehicle insurance in Texas is an important decision

Even though Houston SRX insurance rates can get expensive, paying for auto insurance is a good idea for several reasons.

• The majority of states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your SRX has a lien holder, more than likely the lender will force you to buy insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank may insure your Cadillac for a much higher rate and require you to pay the higher premium.
• Auto insurance protects your vehicle and your assets. Insurance will pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your Cadillac gets damaged, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. But the average American driver is overpaying more than $825 a year so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

Will just any policy work for me?

When quoting and comparing the best car insurance coverage, there really isn’t a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might help in determining if your situation may require specific advice.

• Why am I be forced to buy a membership to get insurance from some companies?
• What happens if I owe more than my Cadillac SRX is worth?
• Is my nanny covered when transporting my kids?
• Is business property covered if stolen from my car?
• Does my Cadillac SRX need full coverage?
• Is my babysitter covered when using my vehicle?
• Why does it cost so much to insure a teen driver in Houston?
• What is glass protection for?
• What are the liability requirements in my state?
• What is an umbrella policy?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

You may need advice from a local insurance agent

A lot of people would rather sit down with an agent. Insurance agents can help you choose the best coverages and help submit paperwork. One of the great benefits of getting online price quotes is you may find the lowest rates and still have a local agent. Putting coverage with neighborhood insurance agencies is especially important in Houston.

To find an agent, once you fill out this form (opens in new window), your insurance data gets sent to local insurance agents in Houston that provide free Houston car insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered to your email. If you need to compare rates from a specific company, you just need to jump over to their website and submit a quote form there.

Listed below is a list of insurance companies in Houston who can help you get rate quotes for Cadillac SRX insurance in Houston.

• AA-USA-Insurance
  702 W Sam Houston Pkwy S – Houston, TX 77042 – (713) 914-0354 – View Map
• Scott McNab – State Farm Insurance Agent
  1005 Waugh Dr b – Houston, TX 77019 – (713) 520-5556 – View Map
• Pasadena Insurance Agency, Inc.
  99 Detering St #280 – Houston, TX 77007 – (713) 869-6991 – View Map
• Baxter Insurance Agency, Inc.
  450 North Sam Houston Pkwy E #103 – Houston, TX 77060 – (281) 445-1381 – View Map

View more Houston agents

Finding a good insurer is decision based upon more than just a cheap price. You should also get answers to these questions.

• What is the agency’s Better Business Bureau rating?
• When do they do a full risk review?
• Do they assist clients in filing claims?
• How is replacement cost determined on your vehicle?
• Which insurance companies are they affiliated with?
• Which companies do they recommend if they are an independent agency?
• In the event of vehicle damage, can you pick the collision repair facility?

Upon receiving reasonable responses to all your questions and an acceptable price quote, most likely you have located a company that can be relied on to provide car insurance coverage. Keep in mind you can always cancel your policy any time you want so never assume you’re contractually obligated to your new company with no way out.