2009 Infiniti FX50 Insurance Rates

Average insurance rates for an 2009 Infiniti FX50 are $1,314 a year for full coverage insurance. Comprehensive insurance costs around $258 each year, collision costs $424, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,844 or more. Teen drivers receive the highest rates at $5,038 a year or more.

Annual premium for full coverage: $1,314

Rate estimates for 2009 Infiniti FX50 Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Infiniti FX50 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

View Chart as Image

These differences illustrate why all drivers should compare prices for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Looking for lower car insurance rates for your Infiniti FX50? Have you fallen victim to high-priced car insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Consumers have many auto insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, having more car insurance companies makes it harder to find the lowest rates.

You need to compare rates quite often because insurance rates change quite often. Just because you found the lowest rates on FX50 coverage a couple years back other companies may now be cheaper. There is a lot of bad information regarding car insurance online but I’m going to show you a lot of great tips on how to reduce your car insurance bill.

Are you getting all your discounts?

Auto insurance companies do not list every available discount in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

• Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
• College Student – Children who live away from home and do not have a car can receive lower rates.
• Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
• Claim Free – Good drivers with no accidents can earn big discounts when compared to bad drivers.
• Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
• New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
• Accident Forgiveness – Some insurance companies permit an accident before raising your premiums if your claims history is clear for a set time period.
• Fewer Miles Equal More Savings – Low mileage vehicles can earn discounted rates on garaged vehicles.
• Memberships – Being a member of certain professional organizations may earn a discount when buying insurance coverage on FX50 coverage.

Consumers should know that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

A partial list of companies that may have these benefits include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

Double check with each insurance company how you can save money. Some discounts may not be available in your state.

When might I need an agent?

When it comes to choosing the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.

• Am I covered when driving on a suspended license?
• Do I have newly-aquired coverage?
• When should my teen driver be added to my policy?
• Is business property covered if stolen from my car?
• Can I rent a car in Mexico?
• If my 2009 Infiniti FX50 is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverages 101

Having a good grasp of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, hitting a deer, falling objects and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability coverage can cover damages or injuries you inflict on people or other property. It protects YOU from claims by other people, and doesn’t 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 might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as structural damage, loss of income and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your FX50 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for prosthetic devices, hospital visits and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Infiniti FX50.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

More choices the merrier

In this article, we presented quite a bit of information on how to compare 2009 Infiniti FX50 insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the best price on insurance coverage is with the least-expected company. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

Affordable insurance is possible from both online companies in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Other articles

• Winter Driving (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• Vehicle Safety Ratings (iihs.org)
• Rollover Crash FAQ (iihs.org)