Would you prefer to buy more affordable auto insurance rates in Columbia, SC? Columbia shoppers have lots of choices when shopping for affordable Cadillac SRX insurance. They can either waste time driving around getting price quotes or save time using the internet to compare rates. There is a better way to compare auto insurance rates and we'll show you the absolute fastest way to compare rates on a Cadillac and locate the best price possible from Columbia insurance agents and online providers.
Most larger insurance companies allow you to get coverage prices on the web. Getting online quotes for Cadillac SRX insurance in Columbia doesn't take a lot of time because it's just a matter of typing in your personal and coverage information as requested by the quote form. After you complete the form, their system obtains credit information and your driving record and returns pricing information.
Quoting online for Cadillac SRX insurance in Columbia helps simplify price comparisons, and it is important to do this if you want to find lower-cost prices.
If you want to use this form to compare rates, compare quotes from the companies shown below. If you currently have coverage, we recommend you replicate deductibles and limits exactly as they are listed on your policy. This helps ensure you will have an apples-to-apples comparison based on similar coverages.
The providers in the list below are ready to provide comparison quotes in South Carolina. If several companies are displayed, we recommend you get price quotes from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SRX Luxury 2WD||$286||$740||$386||$22||$116||$1,550||$129|
|SRX Luxury AWD||$168||$348||$352||$20||$106||$994||$83|
|SRX Performance 2WD||$246||$448||$352||$20||$106||$1,172||$98|
|SRX Performance AWD||$284||$598||$320||$18||$96||$1,316||$110|
|SRX Premium 2WD||$286||$590||$386||$22||$116||$1,400||$117|
|SRX Premium AWD||$318||$740||$386||$22||$116||$1,582||$132|
|Get Your Own Custom Quote Go|
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in garaging location in Columbia which can modify price quotes significantly.
Impact of speeding/accidents on auto insurance rates
The chart below illustrates how speeding tickets and accidents drive up Cadillac SRX insurance costs for different age categories. The rate quotes are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Should you raise deductibles?
The diagram below shows how different deductible levels and can influence Cadillac SRX yearly insurance costs for different age groups. The data assumes a single female driver, comp and collision included, and no discounts are applied to the premium.
Insurance is an important decision
Despite the fact that insurance is not cheap in Columbia, insurance serves several important purposes.
First, almost all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability if you drive a vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your vehicle, most banks will require you to have insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender will be forced to insure your Cadillac for a lot more money and require you to reimburse them the higher premium.
Third, insurance protects your vehicle and your assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you have damage to your Cadillac as the result of the weather or an accident, your insurance policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance definitely exceed the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $855 a year so you should quote your policy with other companies at least once a year to ensure rates are inline.
Cheaper Columbia car insurance rates with discounts
Companies that sell car insurance don't always advertise every policy discount very clearly, so the following is a list of both the well known as well as some of the hidden credits available to lower your premiums when you buy Columbia car insurance online.
- Drive Safe and Save - Insureds without accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
- Own a Home - Owning a house in Columbia may trigger a policy discount on car insurance because of the fact that having a home demonstrates responsibility.
- Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
- Club Memberships - Belonging to a professional or civic organization is a good way to get lower rates when getting a Columbia car insurance quote.
- No Accidents - Columbia drivers who stay claim-free can earn big discounts in comparison with policyholders that have many claims.
- College Student Discount - Older children who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
- Multiple Policy Discount - If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
Drivers should understand that most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you won't be that lucky.
If you would like to see a list of providers that can offer you the previously mentioned discounts in South Carolina, click here.
You may require the services of an insurance agency
Many people still like to sit down with an agent and that is just fine! Insurance agents can help you build your policy and help you file claims. One of the best bonuses of getting free rate quotes online is that you can find better rates and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), your information is emailed to agents in your area that can provide free Columbia car insurance quotes for your insurance coverage. It makes it easy because there is no need to do any legwork due to the fact that quote results will go immediately to you. If you need to get a price quote from a particular provider, feel free to search and find their rate quote page and fill out the quote form the provide.
Finding a good insurance company requires more thought than just a cheap price quote. Agents should be asked these questions:
- How often do they review coverages?
- Which insurance companies are they affiliated with?
- Do they feel the quoted coverages are adequate?
- How are claims handled?
- Is assistance available after office hours?
- Is every driver in your family covered?
- Is the agency active in community causes in Columbia?
Different types of Columbia auto insurance agents
If you want a reliable insurance agency, it can be helpful to understand the different types of agencies and how they function. Auto insurance agencies are either exclusive or independent (non-exclusive). Both can insure your vehicles properly, but it's important to know how they are different since it could factor into buying decisions.
Agents of this type can only quote rates from one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide other company's prices so they really need to provide good service. They are well schooled on what they offer which can be an advantage. Some people will only buy insurance from these agents mostly because of the brand rather than having low rates.
Listed below is a list of exclusive insurance agents in Columbia who can help you get price quote information.
- Jessica Hogan - State Farm Insurance Agent
4429 Broad River Rd - Columbia, SC 29210 - (803) 798-5377 - View Map
- Larry Lucas - State Farm Insurance Agent
2100 Gervais St a - Columbia, SC 29204 - (803) 799-1998 - View Map
- Allstate Insurance: Trevor Wright
1945 Decker Blvd Ste 13 - Columbia, SC 29206 - (803) 661-6690 - View Map
Independent Auto Insurance Agents
Independent agencies are not restricted to one company so they can quote policies through many companies and find you the best rates. If you are not satisfied with one company, your policy is moved internally and that require little work on your part. If you are comparing rate quotes, it's recommended you get several quotes from at least one independent agent to maximize your price options. Most also write with less well-known companies that may provide cheaper auto insurance rates.
Below are independent insurance agents in Columbia that can give you price quote information.
- Nationwide Insurance: Kevin Spencer Agency LLC
952 Sunset Blvd - West Columbia, SC 29169 - (803) 794-0411 - View Map
- Butler's Insurance Agency
1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map
- Giles Insurance Agency
2442 Devine St - Columbia, SC 29205 - (803) 728-3318 - View Map
Car insurance 101
Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle's damage.
Because many people only carry the minimum required liability limits (which is 25/50/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Liability auto insurance - Liability coverage provides protection from damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.
Liability coverage pays for claims like legal defense fees, medical services, bail bonds and funeral expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford. South Carolina requires drivers to carry at least 25/50/25 but you should think about purchasing more coverage.
Collision coverages - Collision insurance covers damage to your SRX caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as colliding with a tree, hitting a mailbox and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible on your SRX to get cheaper collision coverage.
Coverage for medical payments - Med pay and PIP coverage kick in for short-term medical expenses like nursing services, EMT expenses, dental work and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible
Comprehensive coverages - This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like rock chips in glass, falling objects, damage from a tornado or hurricane and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.
As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced physical damage coverage to discover at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the best possible price.
Insureds who switch companies do it for a number of reasons such as high prices, denial of a claim, policy cancellation or unfair underwriting practices. Regardless of your reason, finding a new car insurance company is not as hard as you think.
Throughout this article, we presented many ways to find cheaper Cadillac SRX insurance in Columbia. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from an unexpected company.
- Teen Driver Licensing Information (iihs.org)
- Who Has the Cheapest Car Insurance for Uninsured Drivers in South Carolina? (FAQ)
- Who Has Cheap Auto Insurance Quotes After a Speeding Ticket in South Carolina? (FAQ)
- Which Company has the Cheapest Car Insurance in Greenwood, SC? (FAQ)
- What is the Cheapest Car Insurance in Aiken, South Carolina? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Female in South Carolina? (FAQ)
- What is the Cheapest Car Insurance in Goose Creek, South Carolina? (FAQ)
- Who Has Affordable Auto Insurance Rates for Police Officers in South Carolina? (FAQ)
- What is the Cheapest Auto Insurance in Charleston, South Carolina? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- State Car Insurance Guides (GEICO)