Compare 2012 Infiniti EX 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, 2024

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Have you fallen victim to overpriced insurance coverage? Believe me when I say there are many people just like you. With people having so many choices, it can be difficult for drivers to locate a more affordable insurer.

Consumers should take time to do rate comparisons yearly because insurance prices go up and down regularly. Just because you found the best deal on EX coverage a few years ago there may be better deals available now. Block out anything you think you know about insurance coverage because it’s time to teach you one of the best ways to lower your annual insurance bill.

Buy insurance coverage online

There are a lot of ways to compare insurance coverage quotes, and some are more efficient than others. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get prices fast.

Most car insurance companies belong to a marketplace that allows shoppers to send in one quote, and each participating company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions for each company.

To participate in this free quote system, enter your zip code here.

The one disadvantage to doing it this way is that consumers can’t choose the providers you will receive quotes from. So if you want to choose from a list of companies to receive pricing from, we have a listing of the cheapest insurance coverage companies in your area. Click to enter zip code.

The approach you take is up to you, just make sure you use nearly identical quote information for each price quote. If you enter differing limits you will not be able to determine which company has the best rates.

Get lower-cost rates with these discounts

Some providers do not list all possible discounts very well, so we took the time to find some of the best known in addition to some of the lesser obvious car insurance savings.

  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Discounts for Cautious Drivers – Drivers without accidents may receive a discount up to 45% on EX coverage than drivers with accidents.
  • New Car Discount – Buying a new car model is cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Clubs and Organizations – Belonging to qualifying employment or professional organizations could earn you a nice discount on your bill.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may save approximately 10% to 15%.
  • No Claims – Drivers who stay claim-free pay less when compared to insureds who have frequent claims or accidents.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a small decrease in premiums on EX coverage.
  • Service Members Pay Less – Being on active duty in the military can result in better car insurance rates.
  • Sign Online – A handful of companies provide a small discount for signing up online.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride. But any discount will reduce the cost of your policy.

A list of car insurance companies and some of the premium reductions they offer are outlined below.

  • Progressive offers premium reductions for multi-vehicle, homeowner, multi-policy, continuous coverage, online signing, online quote discount, and good student.
  • SAFECO offers discounts including safe driver, anti-lock brakes, teen safety rewards, bundle discounts, and teen safe driver.
  • American Family includes discounts for early bird, bundled insurance, Steer into Savings, accident-free, and good student.
  • MetLife has discounts for good driver, multi-policy, defensive driver, claim-free, accident-free, good student
  • GEICO has savings for anti-lock brakes, daytime running lights, multi-vehicle, five-year accident-free, defensive driver, and anti-theft.
  • The Hartford policyholders can earn discounts including good student, anti-theft, driver training, bundle, air bag, vehicle fuel type, and defensive driver.

Double check with all companies you are considering which credits you are entitled to. Some discounts may not be available in your area.

Insurance coverage can be complex

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. For example, these questions might help in determining if your situation could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • Should I get collision insurance on every vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if my car is in a flood?
  • How high should deductibles be on a 2012 Infiniti EX?
  • Is upholstery damage covered by car insurance?
  • When should I drop full coverage on my 2012 Infiniti EX?
  • Am I missing any policy discounts?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and enter your zip code. It is quick, free and may give you better protection.

Coverage specifics

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages available from auto insurance companies.

Comprehensive coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, vandalism and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – This coverage covers damage to your EX caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a mailbox, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like prosthetic devices, ambulance fees, EMT expenses and surgery. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability – This will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like bail bonds, structural damage and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2012 Infiniti EX.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Smart shoppers get results

We just covered a lot of information how to get a better price on 2012 Infiniti EX insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding cheaper insurance. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

Low-cost 2012 Infiniti EX insurance can be found from both online companies as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online rate quotes and most of the time these regional carriers only sell coverage through independent agents.

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