View 2013 Infiniti EX Car Insurance Quotes

Are you intimidated by the number of insurance coverage companies available to you? Lot’s of other drivers are too. Consumers have so many companies to choose from that it can turn into a chore to lower your prices.

It’s a great practice to get comparison quotes periodically because insurance rates are variable and change quite frequently. Just because you had the best premium rates on EX coverage a couple years back you can probably find a better price now. There is a lot of wrong information about insurance coverage online, but we’re going to give you some proven techniques to find affordable insurance coverage.

Cheap auto insurance quotes

To find more affordable rates, there are a couple of ways to compare quotes from many auto insurance companies in your state. The easiest way to find competitive 2013 Infiniti EX insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

1. The most efficient method to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This style of form prevents you from having to do a different quote for every prospective company. Taking the time to complete one form gets insurance cost estimates from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
2. A more difficult way to shop for auto insurance online requires a visit to each company website and request a quote. For example, let’s say you want to compare prices for Allstate, 21st Century and State Farm. You would have to navigate to each company’s site and enter your policy data, which can be really labor intensive.

   To view a list of companies in your area, click here.

3. If you have time to kill, the last method to comparison shop rate quotes is physically going to each insurance agency near you. Doing it all online can eliminate the need for a local agent unless you have a complicated situation and need the trained guidance of a local agent. It is possible with some companies find lower rates online but buy from a local insurance agent.

However you get your quotes, be certain you are entering exactly the same deductibles and coverage limits on every quote you get. If your comparisons have higher or lower deductibles it will be impossible to find the best deal for your Infiniti EX. Even a minor difference in coverages may cause a big price difference. And when comparison shopping, quoting more will enable you to find more affordable insurance.

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Do you qualify for discounts?

Insurance is not inexpensive, but you might find some hidden discounts that can help lower your rates. Certain reductions will be credited when you quote, but less common discounts must be asked about before you will receive the discount.

• Passenger Safety Discount – Factory options such as air bags or automatic seat belts can get savings of 25 to 30%.
• Defensive Driver Discounts – Taking part in a class that teaches defensive driving techniques could save 5% or more and easily pay for the cost of the class.
• Waiver for an Accident – Not a discount per se, but a few companies such as Progressive, State Farm and Geico allow you one accident without the usual rate increase if you are claim-free for a certain period of time.
• E-sign Discounts – A handful of insurance companies will give a small break for buying your policy online.
• Federal Employees – Active or retired federal employment can earn a discount up to 10% on EX coverage with certain companies.
• Multi-Vehicle Discounts – Having primary and secondary vehicles on one policy may reduce the rate for each vehicle.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

Large insurance companies and a selection of discounts can be found below.

• Farm Bureau discounts include multi-vehicle, renewal discount, safe driver, driver training, 55 and retired, youthful driver, and multi-policy.
• MetLife has savings for good student, defensive driver, accident-free, good driver, claim-free, multi-policy
• Progressive offers discounts including multi-policy, multi-vehicle, good student, continuous coverage, and online quote discount.
• AAA offers discounts for multi-policy, multi-car, AAA membership discount, anti-theft, good driver, and good student.
• American Family may include discounts for bundled insurance, air bags, TimeAway discount, multi-vehicle, and mySafetyValet.
• Geico has discounts for anti-theft, anti-lock brakes, daytime running lights, good student, multi-vehicle, and air bags.
• State Farm policyholders can earn discounts including multiple autos, anti-theft, Drive Safe & Save, good student, Steer Clear safe driver discount, and defensive driving training.

If you are trying to find the cheapest insurance quotes, ask each insurance company how many discounts you can get. All car insurance discounts might not be offered everywhere.

Components of your Infiniti EX insurance premiums

Lots of factors are part of the calculation when you get a price on insurance. Some factors are common sense such as your driving history, but other factors are not as apparent such as your marital status or your financial responsibility.Consumers need to have an understanding of a few of the rating criteria that aid in calculating the level of your policy premiums. When consumers understand what determines premiums, this allows you to make educated decisions that can help you get lower car insurance prices.

• Expect high rates for teens – Older insureds are more responsible, tend to file fewer claims and tend to be get fewer driving tickets.Drivers with little experience have been known to be easily distracted with other occupants in the car therefore car insurance rates are much higher.
• Gender matters – Over the last 30 years, statistics show that females take fewer risks when driving. However, this does not mean males are worse at driving than females. Both genders have fender benders in similar numbers, but guys cause more damage. Men also statistically receive more major tickets like reckless driving and DUI.
• Low deductibles mean high premiums – Your deductibles represent how much money you are required to spend out-of-pocket if the claim is covered. Physical damage insurance, also called comprehensive and collision insurance, protects your car from damage. Some instances where coverage would apply are rearending another vehicle, animal collisions, and damage caused by road hazards. The more damage repair cost you have to pay, the bigger discount you will receive on EX coverage.
• Less chance of injury means lower car insurance rates – Safe vehicles get lower rates. Safer cars reduce the chance of injuries and better occupant protection translates directly to fewer claims and more competitive rates for policyholders. If your Infiniti has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• Know your credit rating – Credit history will be a significant factor in calculating your car insurance rates. If your credit score is lower than you’d like, you could be paying less to insure your 2013 Infiniti EX if you clean up your credit. Drivers with high credit scores tend to be more responsible and file fewer claims than those with worse credit.
• Liability coverage is critical – Your car insurance policy’s liability coverage kicks in in the event that you are found liable for damages from an accident. Your policy’s liability insurance provides for a legal defense starting from day one. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Don’t assume everyone needs the same auto insurance coverage

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions may help highlight if your situation would benefit from professional advice.

• Are my tools covered if they get stolen from my vehicle?
• Does liability extend to a camper or trailer?
• Which is better, split liability limits or combined limits?
• If my 2013 Infiniti EX is totaled, can I afford another vehicle?
• Exactly who is provided coverage by my policy?
• What can I do if my company denied a claim?
• Is extra glass coverage worth it?
• Can my teen driver be rated on a liability-only vehicle?
• Can I afford to pay high deductible claims out of pocket?
• How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

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Can you really save that much by switching?

Respected companies like Allstate, Geico and Progressive consistently run ads on TV and radio. They all advertise the message that drivers can save some big amount if you get a free insurance quote and switch your insurance policy to them. How do they all sell you cheaper insurance coverage? Just pay attention to how they say it.

Insurance companies offer their best rates for the type of driver that will be a good risk. For instance, this type of risk profile may need to be between the ages of 40 and 55, has a clean driving record, and drives a lower-performance vehicle. A driver who matches that profile will most likely get cheap rates and will also pay quite a bit less when switching companies.

Drivers who fall short of these criteria will have to pay a more expensive rate and the driver buying from a lower-cost company. The ads state “drivers who switch” but not “all drivers who get quotes” save that much money. This is how companies can advertise the savings. That is why drivers should get price quotes at each policy renewal. It is impossible to guess the company that will have the best car insurance rates.

Information about specific coverages

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like pain medications, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Infiniti EX.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage

Liability insurance protects you from damage or injury you incur to people or other property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like medical expenses, repair bills for other people’s vehicles, bail bonds, legal defense fees and funeral expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage

This covers damage to your EX from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle, colliding with a tree, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, fire damage and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Don’t throw your cash in the trash

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the best cost, not the least amount of coverage.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, poor customer service, delays in paying claims or delays in responding to claim requests. It doesn’t matter what your reason, switching insurance companies can be easier than you think.

Low-cost 2013 Infiniti EX insurance can be found from both online companies in addition to many insurance agents, and you should compare rates from both so you have a total pricing picture. A few companies do not provide price quotes online and many times these small insurance companies provide coverage only through independent agencies.

More tips and info about insurance is available at these sites:

• Rental Reimbursement Coverage (Allstate)
• Choosing a Car for Your Teen (State Farm)
• Airbag FAQ (iihs.org)
• Red Light Cameras (State Farm)
• Auto Insurance FAQ (Farmers Insurance)
• Auto Insurance Basics (Insurance Information Insitute)

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