Cadillac SRX Insurance Quotes in Honolulu

Insurance for Cadillac SRXIf your goal is the lowest price, then the best way to find low-cost prices for Cadillac SRX insurance is to compare quotes once a year from different companies who sell insurance in Honolulu.

  1. Spend some time learning about how auto insurance works and the measures you can control to prevent rate increases. Many rating factors that result in higher prices such as traffic violations, accidents, and a negative credit score can be controlled by making lifestyle changes or driving safer.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of insurance providers. Select a company
  3. Compare the quotes to your current policy and determine if there is any savings. If you can save money and switch companies, verify that coverage does not lapse between policies.
  4. Notify your current company to cancel your current auto insurance policy. Submit a completed application and payment to your new carrier. Immediately upon receiving it, store the proof of insurance paperwork somewhere easily accessible.

The key thing to know about shopping around is that you’ll want to make sure you compare identical coverage information on each price quote and and to get quotes from every company you can. Doing this guarantees a fair rate comparison and many rates to choose from.

A recent study showed that 70% of consumers kept their policy with the same company for well over three years, and nearly the majority have never shopped around. Hawaii drivers could save themselves up to $356 a year by just comparing rate quotes, but most undervalue how much money they would save if they switched to a more affordable policy.

Compare quotes for Honolulu Cadillac SRX insurance

Just remember that comparing more prices will improve the odds of getting a lower rate.

The following companies can provide free quotes in Hawaii. If multiple companies are listed, we recommend you compare several of them to find the cheapest auto insurance rates.

Lower rate quotes by taking advantage of discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that could drop your premiums quite a bit. Some of these discounts will be visible when you get a quote, but occasionally some discounts must be specifically requested before they will apply.Auto insurance discounts

As is typical with insurance, most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

The chart below illustrates the difference between Cadillac SRX auto insurance rates with and without discounts applied to the rates. The premiums are based on a female driver, a clean driving record, no claims, Hawaii state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, multi-policy, claim-free, and safe-driver discounts applied.

If you would like to view insurers that provide some of the discounts listed above in Honolulu, click this link.

Cadillac SRX coverage statistics

The premium information shown below covers detailed analysis of policy rates for Cadillac SRX models. Being able to understand how rates are figured is important to be able to make decisions on which coverage to buy.


Cadillac SRX Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $226 $468 $320 $18 $96 $1,128 $94
SRX Luxury 2WD $226 $538 $320 $18 $96 $1,198 $100
SRX Luxury AWD $226 $538 $320 $18 $96 $1,198 $100
SRX Performance 2WD $252 $538 $320 $18 $96 $1,224 $102
SRX Performance AWD $252 $538 $320 $18 $96 $1,224 $102
SRX Premium 2WD $252 $538 $320 $18 $96 $1,224 $102
SRX Premium AWD $252 $538 $320 $18 $96 $1,224 $102
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in your specific Honolulu location which can modify auto insurance rates greatly.

Analysis of deductible levels

When buying insurance, a common question is how low should you set your deductibles. The comparisons below sum up the rate differences of buying low and high coverage deductibles. The first data table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.


Cadillac SRX insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SRX 2WD $230 $406 $264 $16 $80 $1,021 $85
SRX Luxury 2WD $230 $468 $264 $16 $80 $1,083 $90
SRX Luxury AWD $230 $468 $264 $16 $80 $1,083 $90
SRX Performance 2WD $258 $468 $264 $16 $80 $1,111 $93
SRX Performance AWD $258 $468 $264 $16 $80 $1,111 $93
SRX Premium 2WD $258 $468 $264 $16 $80 $1,111 $93
SRX Premium AWD $258 $468 $264 $16 $80 $1,111 $93
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 $188 $328 $264 $16 $80 $876 $73
SRX Luxury 2WD $188 $378 $264 $16 $80 $926 $77
SRX Luxury AWD $188 $378 $264 $16 $80 $926 $77
SRX Performance 2WD $210 $378 $264 $16 $80 $948 $79
SRX Performance AWD $210 $378 $264 $16 $80 $948 $79
SRX Premium 2WD $210 $378 $264 $16 $80 $948 $79
SRX Premium AWD $210 $378 $264 $16 $80 $948 $79
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in zip code location which can influence auto insurance rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs roughly $13 more each month or $156 every year than quoting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 19 months between claim filings, you would save money if you elect the higher deductible.

Why You Might Pay Lower Rates in Honolulu

Lots of things are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving record, although some other factors are more obscure such as whether you are married or your commute time. An important part of buying insurance is that you know the factors that go into determining your auto insurance rates. If you know what determines base rates, this helps enable you to make changes that could help you find lower premium levels.

The factors shown below are a few of the “ingredients” utilized by car insurance companies to help set rates.