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2012 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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Looking for cheaper car insurance rates for your Infiniti EX? No one cherishes buying car insurance, especially knowing they are paying too much. You have so many insurers to buy insurance from, and although it’s nice to have multiple companies, too many choices makes it more difficult to find a good deal.

Discounts on 2012 Infiniti EX insurance

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but less common discounts must be inquired about prior to getting the savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company can get a discount on all vehicles.
  • No Accidents – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.
  • E-sign – Some insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Senior Citizens – Mature drivers may be able to get a discount up to 10% for EX coverage.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
  • Driver’s Ed – Have your child take driver’s ed class in high school.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.

A little note about advertised discounts, many deductions do not apply the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will cut the cost of coverage.

A partial list of companies that may offer these benefits may include but are not limited to:

Before buying, ask each company which discounts they offer. All car insurance discounts may not apply in every state.

Infiniti EX insurance rates consist of many parts

Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in better auto insurance rates.

Shown below are some of the items used by your company to calculate premiums.

  • Cautious drivers pay less – Even one speeding ticket can boost insurance rates by twenty percent. Careful drivers get better rates than bad drivers. If you have serious violations such as 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 continue driving.
  • Where you live – Choosing to live in a small town can be a good thing when it comes to auto insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Less people living in that area means reduced accidents.
  • Your credit rating is important – Your credit rating is a important factor in determining what you pay for auto insurance. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores. So if your credit rating can use some improvement, you could save money insuring your 2012 Infiniti EX by improving your credit score.
  • Equipment add-ons that lower auto insurance rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. Safe vehicles protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Infiniti EX has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Keep rates low by being claim-free – Auto insurance companies award lower rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Adjust deductibles and save – The deductibles define the amount you are willing to pay before your auto insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more expense you have to pay, the bigger discount you will receive for EX coverage.
  • Don’t let your coverage lapse – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.

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Tailor your coverage to you

When it comes to buying coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when driving a rental car?
  • Can I make deliveries for my home business?
  • Where can I get insurance after a DUI in my state?
  • How much liability insurance is required?
  • Are my friends covered when driving my 2012 Infiniti EX?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Are you falling for claims of savings?

Consumers constantly see and hear ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all make the same claim about savings if you switch your policy.

But how can every company make almost identical claims?

All companies can use profiling for the type of customer that earns them a profit. For example, a profitable customer might be profiled as over the age of 40, insures multiple vehicles, and has a short commute. A propective insured that hits that “sweet spot” will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who fall outside the requirements must pay a more expensive rate which leads to business not being written. The ads state “customers who switch” but not “drivers who get quotes” save that much money. That is how companies can claim big savings.

This illustrates why it’s extremely important to quote coverage with many companies. It’s impossible to know which insurance company will have the lowest Infiniti EX insurance rates.

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

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 can pay for things like a broken windshield, a tree branch falling on your vehicle and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2012 Infiniti EX.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance

This provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like bail bonds, repair costs for stationary objects, emergency aid, legal defense fees and pain and suffering. How much coverage you buy is your choice, but consider buying higher limits if possible.

Auto collision coverage

This covers damage to your EX from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, prosthetic devices, hospital visits, nursing services and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Quote more, save more

Cheaper 2012 Infiniti EX insurance is definitely available online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

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