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2008 Infiniti M45 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for an 2008 Infiniti M45 are $1,230 a year for full coverage insurance. Comprehensive costs an estimated $236, collision costs $358, and liability coverage costs $478. Buying a liability-only policy costs as little as $526 a year, with high-risk insurance costing around $2,652. Teen drivers receive the highest rates at $4,760 a year or more.

Annual premium for full coverage: $1,230

Rate estimates for 2008 Infiniti M45 Insurance

Comprehensive $236
Collision $358
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Infiniti M45 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $526 for just liability insurance to a much higher rate of $2,652 for a high risk driver.

Liability Only $526
Full Coverage $1,230
High Risk $2,652

View Chart as Image

2008 Infiniti M45 insurance rates compared
Column chart showing 2008 Infiniti M45 insurance prices range from $726 to $4,760 for full coverage

These differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Infiniti M45 Insurance

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Locating cheaper insurance for your Infiniti M45 can normally be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to compare car insurance rates so you’re going to learn the quickest way to quote coverages for your Infiniti and find the best price possible from both online companies and local agents.

It’s a good habit to do rate comparisons at least once a year because rates are constantly changing. Just because you found the best price for M45 coverage two years ago there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about car insurance because I’m going to teach you the proper way to find better rates and still maintain coverage.

These five discounts can slash insurance coverage rates

Companies that sell car insurance don’t always publicize every available discount in a way that’s easy to find, so here is a list both the well known and the harder-to-find insurance coverage savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Drivers Ed for Students – Have your child complete a driver education course if it’s offered in school.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Bundle and Save – If you have multiple policies with one company you will save approximately 10% to 15%.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Insurance companies that possibly offer these money-saving discounts include:

Before buying, ask all companies you are considering which discounts they offer. Savings may not be available in your area.

When might I need the advice of an agent?

When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when driving on a suspended license?
  • Is my custom paint covered by insurance?
  • Should I buy additional glass protection?
  • Do I pay less for low miles?
  • Do all my vehicles need collision coverage?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance coverage specifics

Having a good grasp of your car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability

This will cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision coverage protection

Collision coverage pays for damage to your M45 resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox, backing into a parked car 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 lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for pain medications, dental work and hospital visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, fire damage and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a money saver!

We’ve covered many ways to shop for 2008 Infiniti M45 insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest priced insurance comes from a small mutual company.

Discount insurance can be sourced from both online companies and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and most of the time these small insurance companies sell through independent agents.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

For more information, take a look at the articles below:

Rates by U.S. City

2008 Infiniti M45 Insurance Rates by City
City Premium
New York City, NY $1,941
Los Angeles, CA $2,103
Philadelphia, PA $1,644
Jacksonville, FL $1,784
Phoenix, AZ $1,428
Chicago, IL $1,649
Houston, TX $1,927
Seattle, WA $1,197
Columbus, OH $1,029
Indianapolis, IN $1,046

Need a specific model?

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Rates by Driver Age

2008 Infiniti M45 Insurance Rates by Driver Age
Driver Age Premium
16 $4,760
20 $2,812
30 $1,266
40 $1,230
50 $1,126
60 $1,102

Full coverage, $500 deductibles

Rates by Deductible

2008 Infiniti M45 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,488
$250 $1,368
$500 $1,230
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Infiniti M45 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,230
50/100 $1,326
100/300 $1,445
250/500 $1,756
100 CSL $1,373
300 CSL $1,636
500 CSL $1,828

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Infiniti M45 Insurance Rates for High Risk Drivers
Age Premium
16 $6,752
20 $4,486
30 $2,692
40 $2,652
50 $2,532
60 $2,508

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $168

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $79
Paid in Full/EFT $50
Advance Quote $57
Online Quote $86
Total Discounts $504
Rate after discounts $726

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Infiniti M45 Insurance Rates by State
State Premium
Alabama $1,112
Alaska $944
Arizona $1,020
Arkansas $1,230
California $1,402
Colorado $1,176
Connecticut $1,262
Delaware $1,392
Florida $1,538
Georgia $1,134
Hawaii $882
Idaho $832
Illinois $916
Indiana $926
Iowa $830
Kansas $1,170
Kentucky $1,678
Louisiana $1,818
Maine $758
Maryland $1,012
Massachusetts $984
Michigan $2,136
Minnesota $1,028
Mississippi $1,472
Missouri $1,092
Montana $1,322
Nebraska $970
Nevada $1,474
New Hampshire $886
New Jersey $1,376
New Mexico $1,088
New York $1,294
North Carolina $708
North Dakota $1,006
Ohio $850
Oklahoma $1,262
Oregon $1,126
Pennsylvania $1,174
Rhode Island $1,640
South Carolina $1,114
South Dakota $1,038
Tennessee $1,076
Texas $1,482
Utah $910
Vermont $842
Virginia $736
Washington $950
West Virginia $1,126
Wisconsin $852
Wyoming $1,096

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