2003 Infiniti QX4 Insurance Rates

Do you get frustrated by the wide range of car insurance companies that you can choose from? You have such a large number of options that it can quickly become a ton of work to find the perfect company for you.

The purpose of this article is to teach you how to effectively get price quotes. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Although consumers should learn how companies sell insurance online and use this information to your advantage.

Why you might pay inflated rates

Lots of things are used when you get your auto insurance bill. A few of the factors are predictable like your driving record, although some other factors are more obscure such as your credit history or your vehicle rating.

  • Having a spouse can lower costs – Having a spouse can actually save you money on car insurance. Having a significant other generally demonstrates drivers are more mature and responsible and insurance companies reward insureds because married couples file fewer claims.
  • File a claims and pay more – If you are the type of insured that files lots of claims you should expect higher rates. Companies award lower rates to insureds who file claims infrequently. Your car insurance is intended for claims that pose a financial burden.
  • Men drivers tend to cost more – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better at driving than males. Women and men get in fender benders at a similar rate, but males cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like reckless driving and DUI.
  • Car insurance liability limits – A critical coverage on your policy, liability insurance will provide protection when you are found to be at fault for an accident. It provides for a legal defense which can cost thousands of dollars. It is affordable coverage compared to comp and collision, so insureds should have plenty of protection for their assets.

Slash your car insurance rates with discounts

Some insurance providers do not list their entire list of discounts in a way that’s easy to find, so the list below contains both well-publicized and the harder-to-find ways to save on car insurance. If you check and find you aren’t receiving every discount you qualify for, you could be saving more on your car insurance.

  • Drivers Education – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can pay as much as 50% less for QX4 coverage than drivers with accident claims.
  • Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums for QX4 coverage.
  • Good Student – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Air Bags and Passive Restraints – Factory air bags or motorized seat belts can receive discounts of 25 to 30%.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. You can save around 10% with this discount.

Policy discounts save money, but most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

Companies and some of the premium reductions they offer are detailed below.

  • State Farm policyholders can earn discounts including accident-free, safe vehicle, Steer Clear safe driver discount, student away at school, and Drive Safe & Save.
  • Esurance has discounts for multi-car, Switch & Save, Pac-12 alumni, homeowner, online quote, defensive driver, and anti-theft.
  • Progressive may include discounts for online signing, continuous coverage, multi-vehicle, good student, multi-policy, and homeowner.
  • Liberty Mutual discounts include multi-car, good student, exclusive group savings, new vehicle discount, newly retired, and new graduate.
  • Auto-Owners Insurance may offer discounts for teen driver, safe vehicle, anti-theft, multi-policy, anti-lock brakes, company car, and paperless.
  • GEICO offers discounts for federal employee, air bags, military active duty, good student, anti-theft, and membership and employees.

When comparing rates, check with each company or agent how you can save money. Some discounts might not apply in your area.

Advertising and insurance coverage

Insurance coverage companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all convey the message about how much you will save if you move your policy. Is it even possible that every company can lower your prices? You have to listen carefully.

Insurance providers provide the lowest rates for the type of customer that will add to their bottom line. An example of this type of insured might be between 25 and 40, has a low-risk occupation, and drives a lower-performance vehicle. Anyone who fits those characteristics will most likely get cheap rates and therefore will save money with a new company.

Potential insureds who do not match those criteria will see higher rates which results in the customer not purchasing. The trick companies use is to say “customers that switch” but not “everyone who gets a quote” can save as much as they claim. That is how insurance companies can confidently make those claims.

Different companies use different criteria so you really should get car insurance quotes from several different companies. It is impossible to guess which insurance coverage company will fit your personal profile best.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your situation may require specific advice.

  • What is the minimum liability in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I pay less for low miles?
  • Does insurance cover damages from a DUI accident?
  • When would I need rental car insurance?
  • Is my dog or cat covered if injured in an accident?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle and hitting a deer. The maximum amount you’ll receive from a 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 and underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Infiniti QX4.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as medical expenses, repair bills for other people’s vehicles, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like funeral costs, hospital visits and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance pays for damage to your QX4 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Be a smart shopper

Cheaper 2003 Infiniti QX4 insurance can be bought from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers provide coverage only through independent agencies.

We just covered a lot of tips how to lower your 2003 Infiniti QX4 insurance premium rates. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest car insurance. You may even find the most savings is with the smaller companies.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. In too many instances, drivers have reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

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