Cheapest Bakersfield Cadillac SRX Insurance

Discount Cadillac SRX insuranceDid you come to the realization that you have an overpriced car insurance policy? Don’t sweat it because many Bakersfield drivers feel the same as you.

Sadly, the vast majority of car insurance customers in California kept buying from the same company for over three years, and nearly half have never even compared quotes to find affordable rates. Most drivers in America could pocket roughly $860 a year by just comparing quotes, but they don’t want to spend time to do a rate comparison.

How to buy cheaper Cadillac SRX insurance in Bakersfield

If you want to find the absolute lowest rates, then the best way to get discount Cadillac SRX insurance in Bakersfield is to do a yearly price comparison from providers who provide auto insurance in California.

  1. Take a few minutes and learn about what coverages are included in your policy and the measures you can take to lower rates. Many risk factors that cause rate increases such as speeding tickets, accidents and a poor credit rating can be improved by making small lifestyle or driving habit changes.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can quote prices from many different companies.
  3. Compare the new rates to the premium of your current policy and see if you can save money. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
  4. Notify your agent or company of your intent to cancel the current policy. Submit a completed policy application and payment to the new insurer. As soon as you can, keep your new proof of insurance certificate in your vehicle’s glove compartment or console.

The key aspect of shopping around is to compare identical coverages on each quote request and and to get prices from all possible companies. Doing this enables the most accurate price comparison and the best price selection.

Companies like State Farm, Progressive and GEICO promote their brand names with ads and it is difficult to see through the deception and find the best price available.

You should make it a habit to take a look at other company’s rates quite often because car insurance prices are adjusted regularly by insurance companies. Even if you think you had the best quotes on Cadillac SRX insurance in Bakersfield six months ago you will most likely find a better rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the best way to get good coverage on Cadillac SRX insurance in Bakersfield at a lower rate.

Most of the larger companies like State Farm, GEICO and Progressive allow you to get price estimates on the web. Comparing prices online for Cadillac SRX insurance in Bakersfield is very simple because it’s just a matter of typing in the amount of coverage you want as detailed in the form. After you submit the form the company’s rating system gets your credit score and driving record and gives you a price quote. Being able to quote online for Cadillac SRX insurance in Bakersfield makes comparing rates easy, and it’s absolutely necessary to compare as many rates as possible if you want to get the cheapest price on car insurance.

If you want to get comparison pricing now, compare rates now from the companies shown below. If you have a policy now, it’s recommended you duplicate your coverages exactly as they are listed on your policy. Using the same limits helps guarantee you are getting comparison quotes for similar coverage.

The companies shown below have been selected to offer price comparisons in Bakersfield, CA. If the list has multiple companies, it’s highly recommended you visit several of them to find the cheapest auto insurance rates.

Cheaper rates by earning these eight discounts

Not too many consumers would say auto insurance is affordable, but there could be available discounts that can drop the cost substantially. Some discounts will apply at quote time, but occasionally some discounts must be asked about before being credited.Discount auto insurance

One thing to note about discounts is that most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

The example below illustrates the comparison of Cadillac SRX premium costs with and without discounts applied to the rates. The prices are based on a male driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, safe-driver, and marriage discounts applied.

To locate companies that offer many of these discounts in Bakersfield, click this link.

Facts and figures for Cadillac SRX insurance

The coverage table shown below outlines estimates of insurance coverage prices for Cadillac SRX models. Being more informed about how insurance rates are figured can assist in making informed decisions.

Cadillac SRX Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $332 $698 $500 $30 $150 $1,710 $143
SRX Luxury 2WD $332 $804 $500 $30 $150 $1,816 $151
SRX Luxury AWD $332 $804 $500 $30 $150 $1,816 $151
SRX Performance 2WD $370 $804 $500 $30 $150 $1,854 $155
SRX Performance AWD $370 $804 $500 $30 $150 $1,854 $155
SRX Premium 2WD $370 $804 $500 $30 $150 $1,854 $155
SRX Premium AWD $370 $804 $500 $30 $150 $1,854 $155
Get Your Own Custom Quote Go

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower prices substantially.

Comparison of policy deductibles

A question often asked by Bakersfield drivers is which comprehensive and collision deductibles to buy. The premium rates below may help you to understand the rate fluctuation between low and high physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Cadillac SRX insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $386 $678 $442 $26 $132 $1,689 $141
SRX Luxury 2WD $386 $780 $442 $26 $132 $1,791 $149
SRX Luxury AWD $386 $780 $442 $26 $132 $1,791 $149
SRX Performance 2WD $430 $780 $442 $26 $132 $1,835 $153
SRX Performance AWD $430 $780 $442 $26 $132 $1,835 $153
SRX Premium 2WD $430 $780 $442 $26 $132 $1,835 $153
SRX Premium AWD $430 $780 $442 $26 $132 $1,835 $153
Get Your Own Custom Quote Go

Cadillac SRX insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $238 $426 $442 $26 $132 $1,264 $105
SRX Luxury 2WD $238 $490 $442 $26 $132 $1,328 $111
SRX Luxury AWD $238 $490 $442 $26 $132 $1,328 $111
SRX Performance 2WD $266 $490 $442 $26 $132 $1,356 $113
SRX Performance AWD $266 $490 $442 $26 $132 $1,356 $113
SRX Premium 2WD $266 $490 $442 $26 $132 $1,356 $113
SRX Premium AWD $266 $490 $442 $26 $132 $1,356 $113
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price information does not factor in specific zip code location which can modify coverage prices noticeably.

Based on this data, using a $250 deductible costs approximately $39 more each month or $468 each year across all Cadillac SRX models than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 19 months between claim filings, you would most likely save money by selecting a higher deductible.

The example below illustrates how choosing a deductible and can change Cadillac SRX premium costs for each age group. The premium estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Liability only or full coverage

The illustration below compares Cadillac SRX car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The data is based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied.

Should you buy full coverage or liability only?

There is no specific rule to stop buying full coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s assume your Cadillac SRX book value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the policy deductible has been paid. If premium cost is more than $500 a year for full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

Ratings for Bakersfield auto insurance companies

Picking a highly-rated car insurance company can be rather challenging considering how many companies sell insurance in California. The rank data below can help you pick which auto insurance companies to look at comparing rates from.

Top 10 Bakersfield Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Bakersfield Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+