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2011 Infiniti EX Insurance Rates

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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: Mar 17, 2020

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Locating better insurance prices for an Infiniti EX could be difficult, but you can learn the following methods to save time. There are both good and bad ways to shop for auto insurance so you’re going to learn the quickest way to get price quotes on a Infiniti and obtain the cheapest rates either online or from local insurance agents.

Take advantage of discounts

Car insurance companies do not advertise every available discount in an easy-to-find place, so we break down both well-publicized and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Homeowners Savings – Owning a house can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
  • Accident Waiver – Some insurance companies allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on EX insurance with select insurance companies.
  • Low Mileage Discounts – Fewer annual miles on your Infiniti could qualify for better rates on cars that stay parked.
  • Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Drivers should understand that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurers with the best auto insurance discounts, click here.

Which Car Insurance is Cheapest?

All major car insurance companies give insurance quotes on their websites. Getting quotes doesn’t take much effort as you just enter the coverages you want into the quote form. After you complete the form, their system pulls credit information and your driving record and returns a price.

Being able to quote online makes comparing rates easy, but the process of having to visit several different sites and type in the same information can be a bit repetitive. But it is imperative to compare as many rates as possible in order to find the lowest price.

There is a better way!

The quickest way to compare rates makes use of a single form that gets price quotes from many companies. It saves time, eliminates form submissions, and makes online shopping a little more enjoyable. Immediately after you send the form, it is quoted and you can choose any of the resulting price quotes. If a lower price is quoted, you can click and sign and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

In order to find out if lower rates are available, click here and submit the form. To compare your current rates, we recommend you replicate the insurance coverages identical to your current policy. Using the same limits helps guarantee you will be getting comparison quotes for the exact same coverage.

Why your Infiniti EX insurance rates may be high

It’s important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with big savings.

  • Low deductibles can be expensive – Physical damage coverage, also known as collision and other-than-collision, protects your Infiniti from damage. Some examples of claims that would be covered would be running into the backend of another car, vandalism, and rolling your vehicle. The deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more the insured has to pay upfront, the lower your rates will be on EX insurance.
  • Add-on coverages can add up – There are a lot of additional coverages you can purchase on your 2011 EX policy. Insurance for vanishing deductibles, better glass coverage and term life insurance may be costing you every month. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • High credit ratings translate to low rates – Having a bad credit rating is a big factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible than drivers with lower ratings. Therefore, if your credit history can use some improvement, you could potentially save money when insuring your 2011 Infiniti EX by improving your rating.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the protection when a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Careful drivers pay lower rates – Even one moving violation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Having a spouse can save you money – Having a wife or husband can actually save you money on auto insurance. It usually means you are more mature than a single person and statistics show drivers who are married are more cautious.

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How to know if you need help

When buying adequate coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you will benefit from professional help.

  • Am I covered if I break a side mirror?
  • I don’t drive much so do I pay less?
  • I have health insurance so do I need medical payments coverage?
  • Will my rates increase for filing one claim?
  • Am I better off with higher deductibles on my 2011 Infiniti EX?
  • How much liability insurance is required?
  • What is PIP insurance?
  • Can I get a multi-policy discount?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Do drivers who switch really save $382 a year?

Consumers can’t get away from ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. They all say the same thing that you can save if you change your coverage to them.

But how can every company make the same claim? It’s all in the numbers.

Different companies are able to cherry pick for the type of driver that earns them a profit. An example of a preferred risk could be over the age of 40, has no tickets, and drives newer vehicles. A driver who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Potential customers who fall outside the “perfect” profile will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can truthfully state the savings. Because of the profiling, you absolutely need to get a wide range of price quotes. It is impossible to predict the company that will provide you with the cheapest Infiniti EX insurance rates.

Car insurance 101

Having a good grasp of your policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Auto liability

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things like repair bills for other people’s vehicles, emergency aid, attorney fees, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses for things like X-ray expenses, funeral costs, chiropractic care, EMT expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, a broken windshield, vandalism and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2011 Infiniti EX.

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

Auto collision coverage

This coverage covers damage to your EX resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Saving money is sweet as honey

Discount 2011 Infiniti EX insurance can be sourced online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

Consumers change insurance companies for many reasons like denial of a claim, high prices, unfair underwriting practices or even an unsatisfactory settlement offer. It doesn’t matter what your reason, switching auto insurance companies can be easier than you think.

As you restructure your insurance plan, you should never buy poor coverage just to save money. In many cases, someone sacrificed full coverage only to regret they didn’t have enough coverage. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Other information

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