If saving the most money is your goal, then the best way to find more affordable Cadillac SRX insurance in Pittsburgh is to annually compare prices from different companies in Pennsylvania.
- Read and learn about auto insurance and the measures you can take to lower rates. Many factors that are responsible for high rates like your driving record and a substandard credit history can be eliminated by making lifestyle changes or driving safer. Continue reading for more ideas to help find cheaper rates and find discounts that may have been missed.
- Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while independent agents can quote rates for a wide range of companies.
- Compare the quotes to your existing coverage to see if cheaper SRX coverage is available. If you find better rates and switch companies, make sure there is no lapse in coverage.
One thing to point out is that you use identical coverage information on every quote request and and to get rate quotes from all possible companies. Doing this enables a level playing field and the best price selection.
Sadly, about 70% of customers have purchased from the same company for a minimum of four years, and just short of a majority have never shopped around. Many drivers in Pittsburgh could save themselves up to $686 a year just by comparing rates, but they just assume it’s a time-consuming process to shop their coverage around.
Getting a more affordable price on Cadillac SRX insurance doesn’t have to be difficult. Consumers just need to take a few minutes comparing rate quotes from some recommended companies.
The car insurance companies shown below can provide quotes in Pittsburgh, PA. In order to find cheap auto insurance in Pennsylvania, we suggest you visit as many as you can to get the most affordable price.
Get affordable rates on Cadillac SRX insurance in Pittsburgh with these six discounts
Car insurance companies don’t always list every discount in a way that’s easy to find, so the below list has some of the best known and also the more inconspicuous credits available to lower your premiums when you buy Pittsburgh car insurance online.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
- Early Signing – Some companies give discounts for signing up before your current SRX insurance policy expires. You could save around 10% when you buy Pittsburgh car insurance online.
- Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote Pittsburgh car insurance but check with your company.
- Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase some life insurance too.
- Discounts for Responsible Drivers – Drivers without accidents can save up to 40% or more on their Pittsburgh car insurance quote than their less cautious counterparts.
- Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
Discounts lower rates, but most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Even though the math looks like you could get a free insurance policy, that’s just not realistic.
The information below shows the comparison of Cadillac SRX car insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, marriage, claim-free, and homeowner discounts applied.
To find insurers who offer discounts in Pennsylvania, click here to view.
Rate information and statistics
The table displayed next outlines different insurance policy prices for Cadillac SRX models. Having knowledge of how auto insurance prices are calculated can be valuable when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $354 | $742 | $444 | $26 | $134 | $1,700 | $142 |
| SRX Luxury 2WD | $354 | $854 | $444 | $26 | $134 | $1,812 | $151 |
| SRX Luxury AWD | $354 | $854 | $444 | $26 | $134 | $1,812 | $151 |
| SRX Performance 2WD | $396 | $854 | $444 | $26 | $134 | $1,854 | $155 |
| SRX Performance AWD | $396 | $854 | $444 | $26 | $134 | $1,854 | $155 |
| SRX Premium 2WD | $396 | $854 | $444 | $26 | $134 | $1,854 | $155 |
| SRX Premium AWD | $396 | $854 | $444 | $26 | $134 | $1,854 | $155 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price estimates do not factor in Pittsburgh location which can revise premiums substantially.
Where to set your deductibles
One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The tables below may help you to understand the rate differences when you choose different physical damage coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| SRX Luxury 2WD | $288 | $582 | $330 | $20 | $98 | $1,343 | $112 |
| SRX Luxury AWD | $288 | $582 | $330 | $20 | $98 | $1,343 | $112 |
| SRX Performance 2WD | $320 | $582 | $330 | $20 | $98 | $1,375 | $115 |
| SRX Performance AWD | $320 | $582 | $330 | $20 | $98 | $1,375 | $115 |
| SRX Premium 2WD | $320 | $582 | $330 | $20 | $98 | $1,375 | $115 |
| SRX Premium AWD | $320 | $582 | $330 | $20 | $98 | $1,375 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| SRX 2WD | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| SRX Luxury 2WD | $234 | $468 | $330 | $20 | $98 | $1,150 | $96 |
| SRX Luxury AWD | $234 | $468 | $330 | $20 | $98 | $1,150 | $96 |
| SRX Performance 2WD | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| SRX Performance AWD | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| SRX Premium 2WD | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| SRX Premium AWD | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Information does not factor in garaging location in Pittsburgh which can change coverage prices noticeably.
Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $17 more each month or $204 every year across all Cadillac SRX models than buying the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 15 months between claim filings, you would most likely save money if you elect the higher deductible.
The information below highlights how deductible selection and can change Cadillac SRX insurance costs for different categories of driver ages. The rates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
Impact of careless driving on insurance rates
The illustration below shows how traffic citations and at-fault accidents can increase Cadillac SRX premium costs for different insured age categories. The premiums are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.
Independent or exclusive car insurance agents
A small number of people would prefer to get professional advice from a licensed agent and there is nothing wrong with that. Experienced insurance agents are trained to spot inefficiencies and help you file claims. One of the benefits of getting online price quotes is that you can obtain cheap rate quotes but also keep your business local.
Upon completion of this simple form, your information is transmitted to agents in your area that can give you free Pittsburgh car insurance quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies because quoted prices will be sent to your email. If you have a need to quote rates from a specific company, feel free to go to their quote page to submit a rate quote request.
Finding the right company requires you to look at more than just a cheap price quote. Any agent in Pittsburgh should have no problem answering these questions:
- Do they make recommendations based only on price?
- Which companies can they place coverage with?
- Does the agency support the community they serve?
- Did they already check your driving record and credit reports?
- Is assistance available after office hours?
- How long have they worked with personal auto insurance coverage?
- How are claims handled?
If you need to find a local insurance agency, it helps to know the two different agency structures and how they work. Car insurance policy providers are classified as either independent agents or exclusive agents depending on their employer. Both types can write car insurance policies, but we need to point out how they differ because it may have an impact on the selection process.
Exclusive Insurance Agencies
These agents can only provide one company’s prices and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point. Consumers frequently choose to use a exclusive agent partially due to the brand rather than low rates.
Shown below is a list of exclusive agents in Pittsburgh willing to provide rate quotes.
- Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map - Tad Paterra – State Farm Insurance Agent
984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622 – View Map - Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map
Independent Agents
Agents that elect to be independent do not sell for just one brand so they can quote policies amongst many companies and find you the best rates. If they find a cheaper price, your policy is moved internally and you stay with the same agent.
When comparing car insurance rates, it’s a good idea to include a few independent agents in order to have the best price comparison. Most independent agents also contract with less well-known companies that may provide cheaper car insurance rates.
Shown below is a short list of independent insurance agents in Pittsburgh that are able to give price quotes.
- McIlrath Insurance Agency
4601 Clairton Blvd – Pittsburgh, PA 15236 – (412) 882-9000 – View Map - Liberty Insurance Agency
1910 Cochran Rd #800 – Pittsburgh, PA 15220 – (412) 571-5700 – View Map - Celik Insurance Agency Inc.
2407 Mt Troy Rd – Pittsburgh, PA 15212 – (412) 323-9300 – View Map
Upon receiving positive responses for all questions you ask and an affordable coverage quote, chances are good that you have found a car insurance agent that can be trusted to insure your vehicles.
Everyone needs different insurance coverages
When it comes to choosing a policy, there really is no cookie cutter policy. You are unique.
Here are some questions about coverages that might help in determining whether you might need professional guidance.
- What is the difference between comprehensive and collision coverage?
- Do I have coverage when making deliveries for my home business?
- Is my vehicle covered by my employer’s policy when using it for work?
- Which companies will insure high-risk drivers?
- Do I need to file an SR-22 for a DUI in Pennsylvania?
- Is there coverage for injuries to my pets?
- Do I pay less if my vehicle is kept in my garage?
If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.
What is the best car insurance company in Pennsylvania?
Selecting the top auto insurance provider can be difficult considering how many different companies sell coverage in Pennsylvania. The rank data below may help you analyze which auto insurers to look at shopping prices with.
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Top 10 Pittsburgh Car Insurance Companies Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Titan Insurance
- Nationwide
- Allstate
- The General
- 21st Century
Auto insurance coverage options for a Cadillac SRX
Having a good grasp of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like funeral costs, chiropractic care and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive insurance
This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things like damage from flooding, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (15/30/5), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Auto liability insurance
This can cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 15/30/5 which stand for a $15,000 limit per person for injuries, $30,000 for the entire accident, and property damage coverage for $5,000.
Liability can pay for things such as repair costs for stationary objects, court costs, attorney fees, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford. Pennsylvania state minimum liability requirements are 15/30/5 but you should think about purchasing more coverage.
The illustration below demonstrates why buying the state minimum limits may not be enough.
Coverage for collisions
This coverage will pay to fix damage to your SRX caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as colliding with a tree, rolling your car, colliding with another moving vehicle, backing into a parked car and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible on your SRX in order to get cheaper collision rates.
You can lower your auto insurance rates
Cheaper auto insurance in Pittsburgh is possible online and with local Pittsburgh insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide rate quotes online and most of the time these small insurance companies only sell coverage through local independent agencies.
When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The ultimate goal is to find the BEST coverage at the best possible price while still protecting your assets.
People who switch companies do it for a number of reasons such as lack of trust in their agent, policy cancellation, high rates after DUI convictions or poor customer service. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.
Helpful learning opportunities
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for a Company Car in Pittsburgh? (FAQ)
- What Insurance is Cheapest for a GMC Sierra in Pittsburgh? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Toyota Corolla in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Auto Insurance for Welfare Recipients? (FAQ)
- Who Has the Cheapest Car Insurance for Active Military in Pittsburgh? (FAQ)
- What Auto Insurance is Cheapest for a School Permit in Pittsburgh? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)