View 1998 Infiniti QX4 Insurance Cost

Searching for lower insurance rates for your Infiniti QX4? Did you make the mistake of buying overpriced insurance? You’re preaching to the choir because many drivers feel the same as you. Multiple auto insurance companies compete for your business, and it can be difficult to compare rates to get the lowest rate

If you have insurance now or are shopping for new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the proper way to shop for auto insurance over the internet.

Where can I get the cheapest car insurance?

Shopping for lower car insurance rates can take time and effort if you don’t know the most efficient way. You can spend countless hours driving to agents in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many popular insurance companies participate in an industry program that enables customers to only type in their quote data once, and each participating company then gives them pricing determined by their information. This eliminates the need for quote forms for every car insurance company. To participate in this free quote system, click here to open in new window.

The one disadvantage to getting quotes like this is you can’t choose the providers you want pricing from. If you would rather choose from a list of companies to compare, we have a listing of the cheapest car insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, be sure to compare apples-to-apples coverages and limits for each comparison quote. If the quotes have different values for each quote you can’t possibly determine the lowest rate for your Infiniti QX4.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • How much liability do I need to cover my assets?
  • Can I afford to buy a different vehicle if my 1998 Infiniti QX4 is totaled?
  • Do I need PIP coverage since I have good health insurance?
  • When should I remove comp and collision on my 1998 Infiniti QX4?
  • Am I covered when driving in Canada or Mexico?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance coverage options for an Infiniti QX4

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on most car insurance policies.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, hail damage and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for things like surgery, prosthetic devices, pain medications and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, emergency aid, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Uninsured or underinsured coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Infiniti QX4.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage will pay to fix damage to your QX4 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, sideswiping another vehicle, rolling your car, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.