Cheap Insurance for a Cadillac SRX in Tulsa

If your goal is the lowest price, then the best way to find the cheapest price for auto insurance rates is to make a habit of comparing prices annually from different companies who sell auto insurance in Tulsa.

A good tip to remember is to use similar limits and deductibles on each price quote and and to compare every company you can. This provides the most accurate price comparison and the best price quote selection.

Insurance quote for Cadillac SRX in TulsaUnimaginable but true, most car insurance policyholders have purchased from the same company for four years or more, and just under half have never quoted car insurance rates at all. Tulsa drivers can save about 35% each year by just shopping around, but they think it’s difficult to find cheaper rates by getting comparison quotes.

If you’re already insured, you will most likely be able to save money using the ideas you’re about to read. Choosing the best rates in Tulsa is not that difficult as long as you know where to start. But Oklahoma drivers do need to learn how companies compete online and take advantage of how the system works.

How to get low cost Cadillac SRX insurance in Tulsa, Oklahoma

When quoting insurance, remember that more quotes increases the chance that you will find more affordable insurance.

The following companies have been selected to offer free rate quotes in Tulsa, OK. If you want cheap car insurance in OK, we recommend you compare several of them to get a more complete price comparison.

Detailed insurance information

The coverage table shown below covers a range of policy rates for Cadillac SRX models. Being able to understand how insurance prices are established helps drivers make informed purchases.

Cadillac SRX Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $220 $398 $462 $28 $138 $1,246 $104
SRX Luxury 2WD $220 $458 $462 $28 $138 $1,306 $109
SRX Luxury AWD $220 $458 $462 $28 $138 $1,306 $109
SRX Performance 2WD $246 $458 $462 $28 $138 $1,332 $111
SRX Performance AWD $246 $458 $462 $28 $138 $1,332 $111
SRX Premium 2WD $246 $458 $462 $28 $138 $1,332 $111
SRX Premium AWD $246 $458 $462 $28 $138 $1,332 $111
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can influence rates substantially.

Can higher deductibles save money?

One of the most common car insurance questions is which deductible level should you buy. The rates below can help illustrate the premium difference when you select higher and lower insurance deductibles. The first table uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Cadillac SRX insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $392 $688 $448 $26 $134 $1,713 $143
SRX Luxury 2WD $392 $792 $448 $26 $134 $1,817 $151
SRX Luxury AWD $392 $792 $448 $26 $134 $1,817 $151
SRX Performance 2WD $436 $792 $448 $26 $134 $1,861 $155
SRX Performance AWD $436 $792 $448 $26 $134 $1,861 $155
SRX Premium 2WD $436 $792 $448 $26 $134 $1,861 $155
SRX Premium AWD $436 $792 $448 $26 $134 $1,861 $155
Get Your Own Custom Quote Go

Cadillac SRX insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $242 $432 $448 $26 $134 $1,282 $107
SRX Luxury 2WD $242 $498 $448 $26 $134 $1,348 $112
SRX Luxury AWD $242 $498 $448 $26 $134 $1,348 $112
SRX Performance 2WD $270 $498 $448 $26 $134 $1,376 $115
SRX Performance AWD $270 $498 $448 $26 $134 $1,376 $115
SRX Premium 2WD $270 $498 $448 $26 $134 $1,376 $115
SRX Premium AWD $270 $498 $448 $26 $134 $1,376 $115
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific zip code location which can affect premium rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $39 more each month or $468 every year averaged for all SRX models than requesting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 19 months between claim filings, you would save more money if you choose the higher deductible.

The information below highlights how deductible selection and can impact Cadillac SRX insurance premiums for different age groups. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Impact of speeding/accidents on Tulsa car insurance rates

The illustration below illustrates how violations and at-fault accidents can impact Cadillac SRX insurance prices for each age group. The information is based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Gender differences in car insurance premiums

The example below compares Cadillac SRX premium costs for male and female drivers. The premiums assume no claims or violations, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are factored in.

Cadillac SRX liability-only versus full coverage

The diagram below shows the difference between Cadillac SRX insurance costs when comparing full coverage to liability only. The premiums assume no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are applied.

Are you wasting money on full coverage?

There is no set guideline for phasing out physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Cadillac SRX claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying the physical damage deductible. If you are paying over $700 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Save money by receiving discounts

Insurance is not inexpensive, but you might find some hidden discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but occasionally some discounts must be specifically requested before you get the savings. If you do not double check each discount available, you are not getting the best rate possible.Discount insurance

Remember that most discount credits are not given to the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, you aren’t that lucky.

The diagram below shows the comparison of Cadillac SRX auto insurance costs with and without discounts applied to the premium. The premiums assume a female driver, no accidents, no driving violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, multi-car, homeowner, and claim-free discounts applied.

Companies who may offer some of the discounts shown above include:

If you are trying to find the cheapest Cadillac SRX rate quotes, ask every prospective company which credits you are entitled to. Some credits may not apply in every state. For a list of insurers with the best Cadillac SRX insurance discounts in Tulsa, follow this link.

Why you need insurance for your Cadillac SRX

Despite the potentially high cost of Cadillac SRX insurance, insuring your vehicle may not be optional for several reasons.

The benefits of buying car insurance are definitely more than the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying over $810 a year so you should quote and compare rates at every renewal to help ensure money is not being wasted.

When to talk to an insurance agency

Many people just want to get professional advice from a licensed agent and that is a smart decision One of the benefits of comparing insurance online is the fact that you can find the lowest rates and still buy from a local agent. And providing support for small agencies is important particularly in Tulsa.

Find insurance agent in TulsaTo make it easy to find an agent, after completing this short form, your coverage information is immediately sent to local insurance agents who want to provide quotes for your insurance coverage. You never need to contact any agents since price quotes are sent to you instantly. You can find lower rates without requiring a lot of work. If you have a need to get a rate quote from a specific company, don’t hesitate to jump over to their website and give them your coverage information.

If you are wanting to purchase insurance from a reputable insurance agent or broker, it helps to know the two different types of agents and how they differ in how they quote coverages. Insurance agencies in Tulsa may be either exclusive or independent (non-exclusive).

Independent Insurance Agents (or Brokers)

Independent insurance agents are not restricted to one company so they can quote policies with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they can switch companies in-house and you don’t have to do anything. When comparing insurance prices, you will definitely want to include rate quotes from several independent insurance agents for maximum quote selection.

Below is a short list of independent insurance agencies in Tulsa who may provide comparison quotes.

4724 S Union AveTulsa, OK 74107(918) 446-4421View Map

427 South Boston Avenue, 518Tulsa, OK 74103(918) 574-6262View Map

4444 E 66th StTulsa, OK 74136(918) 494-0600View Map

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Exclusive Insurance Agencies

Agents that elect to be exclusive generally can only insure with one company like AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to shop your coverage around so you need to shop around if the rates are high. These agents are well trained on their company’s products which helps overcome the inability to quote other rates.

Below are Tulsa exclusive agents willing to provide price quote information.

2828 E 91st StTulsa, OK 74137(918) 298-5444View Map

8165 E 31st StTulsa, OK 74145(918) 627-8883View Map

4949 S Mingo RdTulsa, OK 74146(918) 628-1900View Map

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Picking the best auto insurance agent shouldn’t rely on just a cheap price. You should also get answers to these questions.

If you receive good answers to your questions and an affordable coverage quote, it’s possible that you found a car insurance agent that can properly service your insurance policy. It’s important to know that you can cancel your policy any time you want so don’t think that you are obligated to a specific agent for the full policy term.