Insurance rates Cadillac SRX in Fort CollinsHow many times have you told yourself to find more affordable insurance rates in Fort Collins, CO? Fort Collins shoppers have a choice when shopping for low-cost Cadillac SRX insurance. You can either waste hours contacting agents trying to get quotes or use the internet to find the lowest rates.

There is a better way to shop for insurance and we'll show you the quickest way to get price quotes for your Cadillac and find the cheapest rates from Fort Collins insurance agents and online providers.

You should take the time to get comparison quotes on a regular basis since prices change frequently. Just because you had the lowest rates on Cadillac SRX insurance in Fort Collins two years ago there is a good chance you can find better premium rates now. Ignore everything you know about insurance because we're going to demonstrate the best way to get good coverage on Cadillac SRX insurance in Fort Collins at a lower rate.

Best companies for Cadillac SRX insurance

The car insurance companies shown below provide quotes in Fort Collins, CO. If the list has multiple companies, we recommend you visit two to three different companies to get a more complete price comparison.

Cadillac SRX Insurance Costs in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $330 $630 $358 $22 $108 $1,448 $121
SRX Luxury 2WD $148 $332 $338 $20 $100 $938 $78
SRX Luxury AWD $250 $500 $352 $20 $106 $1,228 $102
SRX Performance 2WD $378 $764 $474 $28 $142 $1,786 $149
SRX Performance AWD $390 $620 $460 $28 $138 $1,636 $136
SRX Premium 2WD $294 $640 $396 $24 $118 $1,472 $123
SRX Premium AWD $364 $836 $456 $28 $136 $1,820 $152
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in vehicle garaging location which can affect coverage rates substantially.

Choosing deductibles

One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The premium rates below can help illustrate the rate differences when you buy lower versus higher insurance deductibles. The first rate quote example uses a $250 deductible for comp and collision 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 $306 $538 $352 $20 $106 $1,347 $112
SRX Luxury 2WD $306 $620 $352 $20 $106 $1,429 $119
SRX Luxury AWD $306 $620 $352 $20 $106 $1,429 $119
SRX Performance 2WD $342 $620 $352 $20 $106 $1,465 $122
SRX Performance AWD $342 $620 $352 $20 $106 $1,465 $122
SRX Premium 2WD $342 $620 $352 $20 $106 $1,465 $122
SRX Premium AWD $342 $620 $352 $20 $106 $1,465 $122
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 $250 $434 $352 $20 $106 $1,162 $97
SRX Luxury 2WD $250 $500 $352 $20 $106 $1,228 $102
SRX Luxury AWD $250 $500 $352 $20 $106 $1,228 $102
SRX Performance 2WD $278 $500 $352 $20 $106 $1,256 $105
SRX Performance AWD $278 $500 $352 $20 $106 $1,256 $105
SRX Premium 2WD $278 $500 $352 $20 $106 $1,256 $105
SRX Premium AWD $278 $500 $352 $20 $106 $1,256 $105
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Information does not factor in garaging location in Fort Collins which can modify auto insurance rates greatly.

Based on the figures above, using a $250 deductible costs about $17 more each month or $204 annually than buying the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go more than 15 months between claims, you would probably be better off if you elect the higher deductible.

Impact of speeding/accidents on Fort Collins auto insurance rates

The information below illustrates how speeding tickets and accidents can affect Cadillac SRX auto insurance rates for each different age category. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Cadillac SRX liability-only versus full coverage

The illustration below shows the comparison of Cadillac SRX insurance rates with full coverage and liability only. The premiums assume no violations or accidents, $1,000 deductibles, single male driver, and no other discounts are factored in.

When to stop paying for full coverage

There isn't a steadfast formula for dropping comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let's assume your Cadillac SRX replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying your policy deductible. If premium cost is more than $700 a year for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are a few cases where removing full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Discounts mean cheaper rates for Cadillac SRX insurance in Fort Collins

Car insurance is not inexpensive, but you may qualify for discounts that may help make it more affordable. Many of these discounts will be applied automatically at quote time, but a few must be requested specifically prior to getting the savings. If you don't get every credit available, you're just leaving money on the table.Cheaper car insurance with discounts

As a sidenote, some credits don't apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. Even though it appears all the discounts add up to a free policy, you're out of luck.

A list of car insurance companies and some of the premium reductions they offer can be found below.

When getting free Fort Collins auto insurance quotes, it's a good idea to all the companies which discounts they offer. Depending on the company, some discounts may not be offered in Fort Collins. To choose providers that provide some of the discounts listed above in Colorado, click here to view.

Smart Buyers Save Every Year

Many factors are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving record, but some are more obscure such as whether you are married or your financial responsibility.

The factors shown below are most of the major factors used by your company to calculate premiums.

Compare rate quotes but buy from a local neighborhood Fort Collins car insurance agent

A lot of people would prefer to sit down with an agent. Good insurance agents can answer important questions and help in the event of a claim. The best thing about getting online price quotes is the fact that drivers can get cheaper prices and still choose a local agent. Putting coverage with local insurance agents is definitely important in Fort Collins.

Fort Collins insurance agentsBy using this simple form, the coverage information is instantly submitted to agents in your area who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent to you. If for some reason you want to get a comparison quote from a specific company, just visit that company's website and fill out their quote form.

The following are Fort Collins car insurance companies willing to provide rate quotes for Cadillac SRX insurance in Fort Collins.

View more Fort Collins agents

Selecting an company is decision based upon more than just a cheap price quote. The questions below may impact your decision as well.

But they said I'd save $467 a year!

Consumers get pounded daily by advertisements that claim the cheapest prices by companies like 21st Century, Allstate and State Farm. All the companies have a common claim of big savings after switching your coverage.

That's great but how can every company claim to save you money? Here is how they do it.

Most companies can use profiling for the driver that is profitable for them. One example of a profitable risk profile might be described as between the ages of 40 and 55, has other policies, and drives a lower-performance vehicle. Any person who matches those parameters will qualify for the lowest rates in Fort Collins and is almost guaranteed to save quite a bit of money when switching.

Insureds who do not fit these stringent criteria may be forced to pay higher premiums which results in the customer not buying. The ads state "customers that switch" not "all people who quote" save that much. That's why insurance companies can make those statements.

This really illustrates why drivers should compare rate quotes every year. It's just not possible to know which insurance companies will have the lowest rate quotes.

Compare. Compare. Compare.

Lower-priced insurance in Fort Collins can be sourced online as well as from insurance agents, so you need to quote Fort Collins auto insurance with both to have the best rate selection. Some insurance companies do not offer internet price quotes and many times these smaller providers sell through independent insurance agencies.

Consumers switch companies for many reasons like denial of a claim, unfair underwriting practices, questionable increases in premium or even high rates after DUI convictions. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

When getting Fort Collins auto insurance quotes online, make sure you don't skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability limits or collision coverage only to find out that it was a big error on their part. Your goal is to buy enough coverage at the best cost and still be able to protect your assets.

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