Cheapest 2001 Infiniti I30 Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Consumers have a choice when looking for the best price on Infiniti I30 insurance. They can either spend hours driving around to get rate comparisons or use the internet to compare rates.

There are both good and bad ways to buy insurance so you’re going to learn the absolute fastest way to price shop coverage on a Infiniti and find the lowest price either online or from local insurance agents.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be inquired about prior to receiving the credit. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Accident Waiver – Certain companies allow you one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Low Mileage Discounts – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks just for signing your application online.
  • Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.

It’s important to understand that some of the credits will not apply the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, companies don’t profit that way. But all discounts will reduce the cost of coverage.

A partial list of companies who might offer some of the above discounts are:

  • Auto-Owners Insurance
  • American Family
  • Esurance
  • Progressive
  • State Farm
  • AAA

Before buying, ask each insurance company which discounts you may be entitled to. Savings may not be available in every state.

When should I talk to an agent?

When it comes to buying the best insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

  • Can I get a multi-policy discount?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I hit a deer?
  • Can my teen drive my company car?
  • Am I covered if I drive in a foreign country?
  • What is the minimum liability in my state?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance specifics

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like dental work, ambulance fees and pain medications. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability

Liability coverage protects you from injuries or damage you cause to other people or property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical expenses, bail bonds and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, falling objects, theft and hail damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision coverage pays for damage to your I30 resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Be a penny pincher

In this article, we covered many tips how you can reduce 2001 Infiniti I30 insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest rates come from a small local company.

People change insurance companies for any number of reasons including policy cancellation, delays in responding to claim requests, high prices and even an unsatisfactory settlement offer. No matter why you want to switch, finding the right auto insurance provider is not as difficult as it may seem.

Discount insurance can be purchased online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Additional resources

  • Credit Impacts Car Insurance Rates (State Farm)
  • Side Impact Crash Tests (
  • Information for Teen Drivers (GEICO)
  • Bodily Injury Coverage (Liberty Mutual)
  • How Does Hitting a Deer Impact Insurance Rates? (Allstate)
  • What if I Can’t Find Coverage? (Insurance Information Insitute)

Frequently Asked Questions

How can I verify if I’m getting all the discounts available for my auto insurance?

Insurance companies often offer discounts that can significantly reduce the cost of coverage. Some discounts are applied automatically, while others need to be requested. To ensure you’re getting all the discounts you qualify for, ask your insurance company about the available discounts and how they can be applied to your policy.

When should I talk to an agent regarding my insurance coverage?

The decision to consult an insurance agent depends on your specific situation and coverage needs. If you have questions about your policy, need advice on coverage options, or want personalized recommendations, speaking with a licensed insurance agent can be beneficial. They can help assess your needs and guide you through the process of finding the right coverage.

What is Personal Injury Protection (PIP) and Medical Payments coverage?

Personal Injury Protection (PIP) and Medical Payments coverage are types of insurance that reimburse you for short-term medical expenses resulting from an accident. They can cover costs such as dental work, ambulance fees, pain medications, and more. These coverages can fill the gaps in your health insurance or provide coverage if you don’t have health insurance at all. It’s important to note that not all states offer PIP, but medical payments coverage is available in most places.

What does liability coverage protect against?

Liability coverage protects you from injuries or damage you cause to other people or their property. It covers legal claims made against you by others. However, it does not cover damage to your own property or vehicle. Liability coverage typically has three limits: bodily injury per person, bodily injury per accident, and property damage. The specific limits can vary depending on your policy.

What is comprehensive coverage?

Comprehensive coverage pays for damage caused by events such as natural disasters, theft, vandalism, and more. If your vehicle is damaged by a falling object, a hailstorm, or if it’s stolen, comprehensive coverage can help cover the repair or replacement costs. It’s important to note that comprehensive coverage comes with a deductible, which is the amount you must pay out of pocket before the insurance company pays for the remaining damage.

What does collision coverage protect against?

Collision coverage pays for the repair or replacement of your vehicle if it collides with another vehicle or object. Whether you hit a parked car, crash into a mailbox, or collide with a ditch, collision coverage can help cover the costs. Like comprehensive coverage, collision coverage also requires you to pay a deductible before the insurance company covers the remaining expenses.

What is uninsured/underinsured motorist coverage?

Uninsured/underinsured motorist coverage protects you and your vehicle when you’re involved in an accident with a driver who either has no insurance or doesn’t carry enough liability coverage. This coverage helps pay for your injuries, your passengers’ injuries, and damages to your vehicle when the at-fault driver is unable to fully compensate you. It’s important to carry sufficient uninsured/underinsured motorist coverage to protect yourself financially.

How can I save money on auto insurance for my 2001 Infiniti I30?

To find the cheapest auto insurance rates, it’s important to compare quotes from multiple insurance companies. By entering your zip code, you can view companies that offer cheap auto insurance rates. It’s recommended to compare quotes from different providers as it increases your chances of finding the best price.

What factors should I consider when looking for the best auto insurance provider?

When searching for the best auto insurance provider, consider factors such as price, coverage options, customer service, financial stability, and reputation. While price is important, it’s also crucial to ensure that the company offers adequate coverage and has a good track record of customer satisfaction. Reading reviews and researching the company’s financial stability can help you make an informed decision.

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