Compare 2012 Infiniti EX Insurance Cost

Want lower auto insurance rates for your Infiniti EX? Wish you could get out of an underperforming, overpriced auto insurance policy? Say no more because there are lots of people in the same boat. With consumers having so many auto insurance companies to choose from, it can be diffult for drivers to locate the cheapest company.

It is always a good idea to compare prices at least once a year because auto insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest rate on EX coverage on your last policy the chances are good that you can find a lower price today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, but in just a couple of minutes you can learn some tested techniques to lower your auto insurance premiums.

Are you getting every discount?

Insurance is easily one of your largest bills, but there’s a good chance there are discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but less common discounts must be asked for before you will receive the discount. If you aren’t receiving every discount available, you could be getting lower rates.

  • Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
  • ABS Braking Discount – Vehicles that have anti-lock braking systems prevent accidents and will save you 10% or more.
  • Save over 55 – Older drivers may receive a slight reduction on a insurance coverage quote on EX coverage.
  • Lower Rates for Military – Being deployed in the military may lower your rates slightly.
  • Safety Course Discount – Passing a safe driver class could cut 5% off your bill and easily recoup the cost of the course.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up may be able to save a few bucks on medical payment and PIP coverage.
  • Paperwork-free – A handful of insurance companies may give you up to $50 get insurance coverage over the internet.
  • Savings for New Vehicles – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Multi-car Discount – Drivers who insure all your vehicles on a single policy may reduce the rate for each vehicle.
  • Drive Safe and Save – Drivers without accidents can pay as much as 50% less on EX coverage than drivers with accidents.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business.

Car insurance companies that may have many of the previously listed discounts may include but are not limited to:

If you need cheap insurance coverage quotes, ask every prospective company which discounts you may be entitled to. A few discounts may not apply to policies in your area. To view insurance companies who offer insurance discounts, click here.

How your EX insurance premiums are determined

Multiple criteria are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, although some other factors are not as apparent like your continuous coverage or your vehicle rating.

Listed below are most of the major factors used by companies to determine prices.

  • Advanced alarms and GPS tracking – Owning a car that has an advanced theft prevention system can help lower your premiums. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all help prevent your car from being stolen.
  • Your location is a factor – Residing in less populated areas of the country can save you money when it comes to insurance. Fewer drivers means reduced accidents in addition to lower liability claims Drivers in populated areas have more aggressive driving styles and more severe claims. Spending more time driving can result in more accidents.
  • Bad driving means higher prices – Only having one chargable violation can bump up the cost twenty percent or more. Attentive drivers receive lower rates than bad drivers. Drivers unfortunate enough to have flagrant violations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Do you need those add-on coverages? – Insurance policies have a lot of extra bells and whistles you can purchase if you aren’t diligent. Coverage for things like roadside assistance, accidental death, and motor club memberships are probably not needed. They may seem like a good idea when discussing your needs, but if they’re wasting money eliminate them to save money.

When in doubt talk to an agent

When buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help you determine whether you will benefit from professional help.

  • What happens if I owe more than my 2012 Infiniti EX is worth?
  • When should I remove comp and collision on my 2012 Infiniti EX?
  • Why am I required to buy high-risk coverage?
  • How many claims can I have before being cancelled?
  • Does medical payments coverage apply to all occupants?
  • Does my policy pay for OEM or aftermarket parts?
  • What is the ISO rating for a 2012 Infiniti EX?
  • Where can I get insurance after a DUI in my state?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Auto insurance advertising gotchas

Drivers can’t escape the ads for auto insurance savings from the likes of Allstate, GEICO and Progressive. They all seem to seem to make the promise that drivers will save a bundle just by switching your auto insurance coverage to their company.

That’s great but how can every company claim to save you money? It’s all in the numbers.

Insurance companies have underwriting criteria for the right customer that earns them the most money. For example, a preferred risk may need to be a mature driver, has no prior claims, and has a short commute. Any driver that fits those parameters may get the lowest car insurance rates and will probably save some money.

Potential insureds who cannot meet these criteria will be charged more expensive rates which leads to the driver buying from a lower-cost company. The trick is to say “people that switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can confidently advertise the way they do. Because each company has a different risk profile, you need to get price quotes at each policy renewal. Because you cannot predict which company will have the best rates.

Car insurance coverage information

Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, legal defense fees, repair bills for other people’s vehicles, court costs and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like hospital visits, rehabilitation expenses and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, hitting a deer and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays for damage to your EX resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Shop Smart and Save

We covered some good ideas how to lower your 2012 Infiniti EX insurance premium rates. The key concept to understand is the more times you quote, the better likelihood of getting cheap insurance coverage. You may even find the lowest premium rates are with a small local company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

Cheaper auto insurance can be sourced both online as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer price quotes online and these regional carriers sell through independent insurance agents.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford.

Much more information about auto insurance can be found at these links: