It takes a few minutes, but the best way to get affordable Cadillac SRX insurance in Tucson is to do an annual price comparison from insurance carriers in Arizona. Rates can be compared by following these guidelines.
- Gain an understanding of what coverages are included in your policy and the measures you can control to keep rates in check. Many risk factors that increase rates like multiple speeding tickets and poor credit history can be remedied by making small lifestyle or driving habit changes.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes for many different companies.
- Compare the price quotes to your existing coverage and see if you can save money. If you find better rates, make sure there is no lapse in coverage.
- Tell your current agent or company of your intention to cancel your existing policy and submit payment and a signed application to your new carrier. Once the application is submitted, place your new proof of insurance certificate above your visor, in the console, or in the glove compartment.
One key aspect of rate comparisons is to make sure you’re comparing similar limits and deductibles on each price quote and and to look at every company you can. This ensures the most accurate price comparison and many rates to choose from.
Unfortunately, almost 70% of drivers renewed their policy with the same company for four years or more, and 38% of customers have never even compared rates from other companies. Arizona drivers can cut their rates by as much as $730 a year by just shopping around, but they feel it’s too difficult to compare rate quotes.
If you have insurance now or want to find a cheaper company, use these techniques to find better prices and possibly find even better coverage. Locating affordable insurance policy in Tucson is not as hard as you think. Smart buyers just need to understand the tricks to find the lowest price using one simple form.
Seven factors that impact insurance premiums
The best way to find cheaper insurance is to take a look at some of the things that help calculate the level of your policy premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can help you get lower premium levels.
Only buy coverage you need – Insurance policies have a lot of additional extra coverages you can purchase when buying insurance. Things like replacement cost coverage, towing coverage, and extra equipment coverage are probably not needed. You may think they are a good idea at first, but if you have no use for them remove them from your policy.
How many coverages with the same company – Lots of insurance companies give lower prices to customers who consolidate policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare other company rates to help ensure you have the lowest rates.
Pay more of a claim out-of-pocket – Your deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. Protection for physical damage, aka comp and collision, protects your car from damage. Some examples of covered claims are rear-ending another vehicle, collision with a deer, and damage from wind. The more expense you have to pay, the less your company will charge you for insurance.
Lower miles equals lower premium – Driving more miles in a year’s time the more it will cost to insure it. The majority of insurers charge rates based upon how much you drive. Autos that are left in the garage receive better premium rates than vehicles that have high annual mileage. Having the wrong rating on your SRX can cost quite a bit. Ask your agent if your declarations sheet is rated on the correct driver usage, because it can save money.
Bad credit hurts insurance prices – A driver’s credit rating can be an important factor in determining what you pay for insurance. Consumers who have very high credit ratings tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit rating can use some improvement, you could potentially save money when insuring your Cadillac SRX by taking the time to improve your credit score.
Premiums for men may be higher – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that men are worse drivers. Women and men tend to get into fender benders at about the same rate, but the male of the species have accidents that have higher claims. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI). Teenage male drivers tend to get in the most accidents so they pay the highest premiums.
The chart below visualizes the comparison of Cadillac SRX insurance costs for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.
High premiums for teen drivers – Mature drivers are shown to be more cautious, are lower risk to insure, and usually have better credit. Teen drivers are proven to be inattentive when at the wheel of a vehicle so insurance rates are higher.
The chart below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Claims statistics for a Cadillac SRX – Companies take into consideration historical loss data for every vehicle as a tool for profitable underwriting. Vehicles that have higher claim amounts or frequency will be charged more to insure.
The table below illustrates the collected loss data for Cadillac SRX vehicles. For each policy coverage type, the statistical loss for all vehicles as a whole is equal to 100. Values that are under 100 mean the vehicle has better than average losses, while values over 100 point to more losses or larger claims.
|Make and 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
All major auto insurance companies provide prices on their websites. This process doesn’t take a lot of time as you just type in the coverages you want into the form. Upon sending the form, their rating system requests reports for credit and driving violations and returns a price quote based on these factors.
Getting online rates for Cadillac SRX insurance in Tucson makes it simple to compare prices and it is important to perform this step if you are searching for the lowest auto insurance rates.
If you want to compare rates using this form now, compare rates now from the companies shown below. If you have a policy now, it’s recommended you complete the form with the insurance coverages as close as possible to your current policy. This way, you will get rate comparison quotes for similar coverage.
The following companies provide free rate quotes in Arizona. If you want the best cheap car insurance in Tucson, AZ, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.
Cadillac SRX insurance statistics and information
The price information displayed below highlights a range of insurance policy prices for Cadillac SRX models. Having a better understanding of how policy rates are established can benefit drivers when making smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SRX Luxury 2WD||$206||$418||$306||$18||$92||$1,040||$87|
|SRX Luxury AWD||$206||$418||$306||$18||$92||$1,040||$87|
|SRX Performance 2WD||$230||$418||$306||$18||$92||$1,064||$89|
|SRX Performance AWD||$230||$418||$306||$18||$92||$1,064||$89|
|SRX Premium 2WD||$230||$418||$306||$18||$92||$1,064||$89|
|SRX Premium AWD||$230||$418||$306||$18||$92||$1,064||$89|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in garaging location in Tucson which can raise or lower premiums substantially.
One of the most common insurance questions is how high should the physical damage coverage deductibles be. The rates shown below highlight the rate fluctuation of buying low and high comp and collision deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SRX Luxury 2WD||$292||$632||$300||$18||$90||$1,357||$113|
|SRX Luxury AWD||$292||$632||$300||$18||$90||$1,357||$113|
|SRX Performance 2WD||$324||$632||$300||$18||$90||$1,389||$116|
|SRX Performance AWD||$324||$632||$300||$18||$90||$1,389||$116|
|SRX Premium 2WD||$324||$632||$300||$18||$90||$1,389||$116|
|SRX Premium AWD||$324||$632||$300||$18||$90||$1,389||$116|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SRX Luxury 2WD||$212||$428||$300||$18||$90||$1,048||$87|
|SRX Luxury AWD||$212||$428||$300||$18||$90||$1,048||$87|
|SRX Performance 2WD||$236||$428||$300||$18||$90||$1,072||$89|
|SRX Performance AWD||$236||$428||$300||$18||$90||$1,072||$89|
|SRX Premium 2WD||$236||$428||$300||$18||$90||$1,072||$89|
|SRX Premium AWD||$236||$428||$300||$18||$90||$1,072||$89|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in vehicle garaging location which can affect prices substantially.
Using the data above, we can ascertain that using a $100 deductible costs roughly $26 more each month or $312 a year than buying the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 15 months between claims, you would probably save some money going with the higher deductible. Below is the way you can do this calculation yourself.
|Average monthly premium for $100 deductibles:||$114|
|Average monthly premium for $500 deductibles (subtract):||– $88|
|Monthly savings from raising deductible:||$26|
|Difference between deductibles ($500 – $100):||$400|
|Divide difference by monthly savings:||$400 / $26|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||15 months|
The chart below illustrates how your deductible choice and can raise or lower Cadillac SRX insurance costs for different categories of driver ages. The price estimates are based on a married male driver, comp and collision included, and no additional discounts are factored in.
Cost difference between full coverage and liability
The chart below shows the comparison of Cadillac SRX insurance premiums when comparing full coverage to liability only. The prices are based on no claims, a clean driving record, $250 deductibles, single status, and no discounts are applied.
When to buy liability coverage only
There is no set rule for eliminating physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Cadillac SRX claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after you pay the deductible. If you are paying more than $500 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are some cases where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Why you need Cadillac vehicle insurance in Arizona
Despite the high cost of buying insurance for a Cadillac SRX in Tucson, buying auto insurance may not be optional for several reasons.
- Most states have minimum liability requirements which means you are required to buy a specific level of liability insurance if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Cadillac has a loan, it’s most likely the lender will force you to carry insurance to guarantee payment of the loan. If you default on your policy, the bank or lender will purchase a policy for your Cadillac at a significantly higher premium and force you to pay for the expensive policy.
- Auto insurance preserves both your assets and your car. It will also cover medical bills for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of your driving. If you have damage to your Cadillac as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of buying auto insurance are without a doubt worth the cost, particularly if you ever have a claim. According to a recent study, the average American driver is wasting up to $869 every year so you should quote and compare rates each time the policy renews to save money.
Get discounts on Tucson auto insurance
Companies do not list every discount available very clearly, so we break down both the well known and also the more inconspicuous credits available to you.
- Paperwork-free – A handful of insurance companies will provide an incentive simply for signing on the internet.
- Service Members Pay Less – Having a deployed family member could trigger a small discount.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more on SRX insurance in Tucson.
- Government Employees – Having worked for a branch of the government can earn a discount up to 10% with select insurance companies.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Defensive Driver – Taking part in a course that instructs on driving safety could earn you a small percentage discount if you qualify.
- Include Life Insurance and Save – If the company offers life insurance, you could get a break if you buy life insurance.
- Resident Student – Youth drivers who live away from home to go to college and do not have a car may qualify for this discount.
Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
The illustration below compares Cadillac SRX annual premium costs with and without discounts applied. The prices are based on a female driver, no claims or violations, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.
Some of the larger companies that may offer quotes with some of the above discounts include:
Double check with every prospective company which discounts they offer. Depending on the company, some discounts may not apply to policyholders in Tucson. To see a list of auto insurance companies with discount rates in Arizona, click this link.
Buying from insurance agents
A lot of people still like to have an agent’s advice and there is nothing wrong with that. Experienced insurance agents can answer important questions and give you someone to call. One of the benefits of comparing auto insurance online is that drivers can save money and get cheap auto insurance quotes but still work with a licensed agent. And providing support for small agencies is especially important in Tucson.
To find an agent, once you fill out this simple form, the quote information is immediately sent to participating agents in Tucson who can give free rate quotes for your coverage. You won’t need to drive around since price quotes are sent to you instantly. If for some reason you want to compare prices from a specific insurance company, you just need to go to their quote page to submit a rate quote request.
If you want a good Tucson insurance agent, it’s helpful to know the types of agencies that you can select. Auto insurance agencies can be classified as either independent agents or exclusive agents depending on their employer. Either type can handle auto insurance, but it is important to understand the differences because it can impact which type of agent you select.
Independent Insurance Agents
These agents are not restricted to one company so they can quote policies amongst many companies depending on which coverage is best. If you want to switch companies, your agent can switch companies and you won’t have to switch agencies.
If you are comparing auto insurance prices, you will want to check rates from a few independent agents so that you have a good selection of quotes to compare. Many independent agencies also insure through smaller mutual companies which can be an advantage.
Shown below is a short list of independent insurance agencies in Tucson that may be able to provide comparison quotes.
- Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map
- Oasis Insurance
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000 – View Map
- Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 – View Map
Exclusive Insurance Agents
These agents can only place business with one company like State Farm, AAA, and Liberty Mutual. They usually cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive insurance agents are very knowledgeable on their products and sales techniques which helps offset the inability to provide other markets. Some insured continue to choose to use an exclusive agent primarily because of the prominent brand name and the convenience of having a single billing for all their coverages.
The following is a list of exclusive insurance agents in Tucson willing to provide price quote information.
- Tim Brown: Farmers Insurance Agent
70 W Franklin St – Tucson, AZ 85701 – (520) 322-3924 – View Map
- Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 – View Map
- American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017 – View Map
Finding the right auto insurance agent is decision based upon more than just the price. You should also get answers to these questions.
- Is the agency involved in supporting local community causes?
- How does the company pay claims for a total loss?
- Are they in the agency full-time?
- Are they paid to recommend certain coverages?
- Do they write coverage based solely on cost?
- Do they review policy coverages at every renewal?
- Does the agency have a good rating with the Better Business Bureau?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Upon getting positive responses and cheap SRX insurance quotes, you have narrowed it down to an insurance agent that can be trusted to properly service your auto insurance policy. Just understand that once you purchase a policy you can terminate coverage any time you want so never feel you’re contractually obligated to any specific company for the entire policy term.
What is the best car insurance company in Arizona?
Insuring your vehicle with the highest-rated insurance company is hard considering how many choices drivers have in Tucson. The ranking information in the lists below may help you analyze which car insurance providers to look at when shopping around.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Your insurance coverage should be tailored to you
Always remember that when buying your policy, there really isn’t a one size fits all plan. Every insured’s situation is different.
For instance, these questions may help you determine if you could use an agent’s help.
- Is my camper covered for physical damage?
- Why am I be forced to buy a membership to get insurance from some companies?
- Who does medical payments coverage extend to?
- Can I get a multi-policy discount?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Do I need an umbrella policy?
- Do I get a pro-rated refund if I cancel my policy early?
- Am I covered when pulling a rental trailer?
- Is pet coverage available?
- Will damage be repaired with OEM parts?
If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
One last thing to lower rates
Discount Cadillac SRX insurance in Tucson is definitely available online in addition to many Tucson insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not provide internet price quotes and usually these smaller companies only sell coverage through independent agents.
In this article, we covered many ideas to find cheap Cadillac SRX insurance in Tucson. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the best price on car insurance is with a small mutual company.
While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.
More information is available at these links:
- Choosing an Insurance Company (Insurance Information Institute)
- How Much are Tucson Auto Insurance Rates for Uber Drivers? (FAQ)
- How Much are Tucson Car Insurance Rates for a Toyota Highlander? (FAQ)
- What Insurance is Cheapest for a Toyota Camry in Tucson? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Edge in Tucson? (FAQ)
- Auto Insurance 101 (About.com)
- Neck Injury FAQ (iihs.org)