2013 Infiniti EX Car Insurance Quotes

Purchasing more affordable insurance coverage on the internet may at first seem to be problematic for beginners to online price comparisons. With such a large number of agents and insurance companies available, how can you have time to compare every company to locate the best pricing?

It’s a good habit to get comparison quotes before your next renewal because prices fluctuate regularly. Just because you had the best deal on EX coverage last year you will most likely find a better premium rate today. Don’t believe everything you read about insurance coverage online but we’re going to give you some solid techniques on how to buy insurance coverage cheaper.

Infiniti EX insurance rate factors

Smart consumers have a good feel for some of the things that are used to determine the rates you pay for car insurance. When you understand what controls the rates you pay, this allows you to make good choices that may reward you with big savings. Multiple criteria are part of the calculation when you get a price on insurance. Some are obvious like an MVR report, but other factors are more transparent like where you live or how financially stable you are.

  • Why do you need liability? – A critical coverage on your policy, liability insurance provides coverage if you are responsible for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Claims cost money – If you file a lot of claims you can expect either policy cancellation or increased premiums. Companies generally give the best rates to insureds that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
  • Marriage pays dividends – Having a wife or husband may earn you lower rates on your car insurance policy. It means you’re more financially stable and statistics prove drivers who are married file infrequent claims.
  • Annual mileage impacts rates – The more you drive your Infiniti in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles that are left in the garage qualify for better rates than vehicles that are driven to work every day. Having an incorrect usage rating on your EX may be wasting your money. It’s a good idea to make sure your policy properly reflects the correct usage for each vehicle.
  • Males pay more for auto insurance – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that women are better drivers. Both genders cause accidents in similar percentages, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also get cited for more serious violations like DWI (DUI) or reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Better credit means lower premiums – An insured’s credit rating can be an important factor in calculating your car insurance rates. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. If your credit score is low, you could be paying less to insure your 2013 Infiniti EX if you improve your credit rating.
  • Insure car and home with the same company – Most larger companies afford better rates for people who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount it’s in your best interest to shop around to ensure the best deal.
  • Better drivers pay lower prices – Just one chargable violation may cause rates to rise by as much as twenty percent. Careful drivers get better prices as compared to those with violations. People who have serious tickets such as reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive.

Compare insurance coverage rates

Most of the larger companies like Allstate, GEICO and Progressive provide coverage price quotes from their websites. This process is pretty painless as you simply type in the amount of coverage you want as requested by the quote form. Once you submit the form, the system will obtain information on your driving record and credit history and provides a quote based on the data you entered.

Online quotes makes it easy to compare insurance prices but having to visit several different sites and type in your information can be a bit repetitive. But it is imperative to do this if you want to get the lowest insurance coverage rates.

Rate comparisons made easy

The easiest way to get multiple rate quotes is to use a quote form that gets price quotes from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much easier. Immediately after you send the form, it gets priced and you can choose any one of the pricing results.

If you find a better price you simply finish the application and purchase coverage. The whole process just takes a couple of minutes and may save quite a bit of money.

To find out how much you’re overpaying now, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you complete the form with the insurance coverages exactly as shown on your declarations page. Doing this guarantees you are getting rate quotes based on identical coverages.

But the ad said I’d save 15% in 15 minutes!

Insurance coverage companies such as Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the ads make an identical promise of big savings if you get a free auto insurance quote and switch to them. That’s great but how can every company offer you a better deal? Here is the trick they use.

Different companies have underwriting criteria for the right customer that earns them the most money. A good example of a driver they prefer should be between the ages of 30 and 50, has no prior claims, and does not commute to work. Anybody that hits that “sweet spot” will most likely get cheap car insurance rates and therefore will save if they switch.

People who are not a match for these stringent criteria may be required to pay more expensive rates which results in business going elsewhere. The wording the ads use say “customers that switch” not “everybody who quotes” save that much when switching. That’s why insurance companies can confidently make the claims of big savings.

This illustrates why drivers must compare free auto insurance quotes often. It is just not possible to predict which insurance coverage company will have the lowest rates.

Find hidden discounts on insurance

Some insurers don’t always publicize the entire discount list very well, so here is a list a few of the more common as well as some of the hidden insurance savings.

  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of 25 to 30%.
  • Buy New and Save – Putting coverage on a new car can save up to 30% since newer models have better safety ratings.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Driving Data Discount – Drivers who elect to allow their company to scrutinize driving patterns by using a telematic data system such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease on EX coverage with select insurance companies.

Just know that many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, you won’t be that lucky. But all discounts will positively reduce your insurance premiums.

If you would like to see a list of companies that offer multiple discounts, click this link.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if you would benefit from professional advice.

  • How can I force my company to pay a claim?
  • What are the best liability limits?
  • Will my insurance pay for OEM parts?
  • Does having multiple vehicles earn me a discount?
  • What is the rate difference between pleasure use and commuting?
  • When does my teenage driver need to be added to my policy?
  • What companies insure drivers after a DUI or DWI?
  • Is my custom paint covered by insurance?
  • Am I covered if I hit a deer?
  • When should I not file a claim?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverages

Having a good grasp of car insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverages – Collision coverage covers damage to your EX resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with another moving vehicle, colliding with a tree, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Infiniti EX.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Liability – This will cover damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like attorney fees, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like prosthetic devices, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, hitting a deer, a broken windshield and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

A little work can save a LOT of money

When searching for affordable auto insurance quotes, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where an accident victim reduced physical damage coverage only to find out that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best possible price, but do not skimp to save money.

In this article, we covered some good ideas how to save on 2013 Infiniti EX insurance. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding inexpensive auto insurance. Consumers could even find that the best price on insurance is with a smaller regional carrier.

Cost effective 2013 Infiniti EX insurance is possible both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance providers do not provide the ability to get quotes online and these small, regional companies only sell through independent insurance agents.

For more information, feel free to browse these articles: