Insurance quote for Cadillac SRX in Fort WayneWant to learn the secrets to finding more affordable car insurance rates in Fort Wayne, IN? Fort Wayne buyers have many options when searching for low-cost Cadillac SRX insurance. You can either spend your time calling around getting price quotes or utilize the internet to make rate comparisons.

There is a right way and a wrong way to buy car insurance so we're going to tell you the proper way to compare rates for a new or used Cadillac and obtain the lowest possible price.

It is always a good idea to compare prices on a regular basis since insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on Cadillac SRX insurance in Fort Wayne a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because it's time to teach you how to quote online to lower your annual insurance bill.

Most companies like Progressive, Allstate and GEICO provide coverage prices from their websites. Comparing prices online for Cadillac SRX insurance in Fort Wayne is quite easy as you just enter your coverage preferences into the quote form. Once entered, the company's rating system requests your driving record and credit report and returns pricing information based on the data you entered.

Quoting online for Cadillac SRX insurance in Fort Wayne simplifies rate comparisons, and it's necessary to perform this step if you want to get the lowest possible payments on auto insurance.

In order to get comparison pricing now, compare rates from the companies below. To compare your current rates, we recommend that you enter your coverages as shown on your current policy. This way, you will get comparison quotes for exact coverage.

The providers in the list below are ready to provide price quotes in Fort Wayne, IN. If multiple companies are listed, it's a good idea that you visit as many as you can in order to find the lowest rates.

Cadillac SRX Insurance Price Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $272 $530 $380 $22 $114 $1,318 $110
SRX Luxury 2WD $268 $680 $340 $20 $102 $1,410 $118
SRX Luxury AWD $210 $486 $294 $18 $88 $1,096 $91
SRX Performance 2WD $202 $368 $290 $18 $86 $964 $80
SRX Performance AWD $304 $592 $280 $16 $84 $1,276 $106
SRX Premium 2WD $168 $312 $280 $16 $84 $860 $72
SRX Premium AWD $212 $452 $364 $22 $110 $1,160 $97
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price information does not factor in your specific Fort Wayne location which can increase or decrease price quotes considerably.

Car insurance rates by age and gender

The chart below illustrates the comparison of Cadillac SRX insurance premiums for male and female drivers. The costs are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Rate comparison for different deductibles

The diagram below demonstrates how deductible levels and can increase or decrease Cadillac SRX yearly insurance costs for different ages of insureds. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Analysis of deductible levels

One of the most common car insurance questions is which deductibles should you choose. The tables below may help to conceptualize the price difference of buying low and high comp and collision deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Cadillac SRX insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $244 $430 $280 $16 $84 $1,079 $90
SRX Luxury 2WD $244 $496 $280 $16 $84 $1,145 $95
SRX Luxury AWD $244 $496 $280 $16 $84 $1,145 $95
SRX Performance 2WD $272 $496 $280 $16 $84 $1,173 $98
SRX Performance AWD $272 $496 $280 $16 $84 $1,173 $98
SRX Premium 2WD $272 $496 $280 $16 $84 $1,173 $98
SRX Premium AWD $272 $496 $280 $16 $84 $1,173 $98
Get Your Own Custom Quote Go
Cadillac SRX insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $200 $348 $280 $16 $84 $928 $77
SRX Luxury 2WD $200 $400 $280 $16 $84 $980 $82
SRX Luxury AWD $200 $400 $280 $16 $84 $980 $82
SRX Performance 2WD $222 $400 $280 $16 $84 $1,002 $84
SRX Performance AWD $222 $400 $280 $16 $84 $1,002 $84
SRX Premium 2WD $222 $400 $280 $16 $84 $1,002 $84
SRX Premium AWD $222 $400 $280 $16 $84 $1,002 $84
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rates do not factor in Fort Wayne location which can affect price quotes noticeably.

Based on the above data, using a $250 deductible costs an average of $14 more each month or $168 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 18 months between claims, you would save money if you choose the higher deductible.

Cheap Cadillac SRX insurance rates in Fort Wayne

Some insurance providers don't always publicize the entire discount list in a way that's easy to find, so the list below gives a summary of a few of the more common as well as some of the hidden discounts that you can inquire about if you buy Fort Wayne car insurance online.Save money with discounts

It's important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies wouldn't make money that way. Any amount of discount should help lower the cost of your policy.

To see a list of insurance companies that offer the discounts shown above in Indiana, follow this link.

Car insurance protects more than just your car

Despite the high cost, insurance is required in Indiana but it also protects you in many ways.

First, the majority of states have minimum liability requirements which means the state requires a specific level of liability insurance in order to drive the car legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Cadillac SRX, it's most likely the lender will require that you buy insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the bank may buy a policy for your Cadillac for a much higher rate and require you to pay the higher price.

Third, insurance protects both your car and your personal assets. It will also cover medical bills for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If your Cadillac gets damaged, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. But the average driver in Indiana is overpaying over $865 each year so we recommend shopping around at every renewal to help ensure money is not being wasted.

Don't assume everyone needs the same auto insurance coverage

Keep in mind that when it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else's and your policy should reflect that.Drive safe and save These are some specific questions might point out if you would benefit from an agent's advice.

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance quotes from local Fort Wayne insurance agencies

A small number of people just want to talk to a local agent and that is a smart decision Insurance agents are highly skilled in risk management and help you file claims. A nice benefit of price shopping on the web is that you can find the best rates and still choose a local agent. And buying from local agencies is important especially in Fort Wayne.

Fort Wayne insurance agentsTo help locate an agent, after submitting this simple form, the quote information is submitted to local insurance agents who will give you quotes to get your business. You won't even need to visit any agencies since rate quotes are delivered immediately to your email address. If for some reason you want to quote rates from a particular provider, just navigate to their website to submit a rate quote request.

When looking for a reliable insurance agency, it helps to know the two types of insurance agents and how they differ in how they quote coverages. Fort Wayne agents are categorized either independent agents or exclusive agents depending on their employer. Either type can insure your vehicles, but it's important to point out how they are different since it can impact the kind of agent you use.

Independent Agents

Agents that elect to be independent often have many company appointments and that gives them the ability to insure with a variety of different insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they can switch companies in-house and that require little work on your part.

When comparing rate quotes, you need to get some free quotes from independent agents for maximum quote selection. Many independent agencies also insure through companies you've never heard of which may provide better rates.

The following is a small list of independent insurance agencies in Fort Wayne who can help you get comparison quotes.

View more agents

Exclusive Agencies

These agents can only quote rates from one company and some examples include AAA, Allstate, and State Farm. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. Exclusive agents are trained well on their company's products and that can be a competitive advantage. Consumers sometimes use the same exclusive agent mostly because of the brand rather than low rates.

The following is a list of exclusive agents in Fort Wayne that are able to give price quote information.

View more agents

Selecting a auto insurance agent requires more thought than just the quoted price. These are some questions you should get answers to.