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2014 Infiniti QX80 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 23, 2020

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Sick and tired of being strong-armed to pay your car insurance bill each month? Your situation is no different than the majority of other car owners.

Because you have many insurance providers from which to choose, it can be impossible to locate the lowest cost insurance company.

More discounts equal less premium

Insuring your fleet can be pricey, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be inquired about before being credited.

  • Memberships – Being a member of certain professional organizations may earn a discount on your policy for QX80 coverage.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Defensive Driver – Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • Multiple Cars – Buying coverage for all your vehicles with the same company may reduce the rate for each vehicle.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, it doesn’t quite work that way. But any discount will bring down the amount you have to pay.

Car insurance companies that may offer these benefits include:

Check with each insurance company what discounts are available to you. Some discounts might not be offered in every state.

It’s not one size fits all

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • What can I do if my company denied a claim?
  • Does my 2014 Infiniti QX80 need full coverage?
  • Should I sign the liability waiver when renting a car?
  • What is UM/UIM insurance?
  • Do I really need UM/UIM coverage?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Free Auto Insurance Comparison

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Don’t listen to company ads

Insurance providers like Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all say the same thing that you can save if you change to their company. How do they all claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer they prefer to insure. An example of a desirable insured might be profiled as between 25 and 40, has no prior claims, and chooses high deductibles. Any new insured who meets those qualifications is entitled to the best price and most likely will save when switching.

Consumers who are not a match for the “perfect” profile will be charged higher rates which leads to the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can advertise the way they do.

That is why drivers should get quotes from several different companies. You cannot predict which insurance companies will have the lowest Infiniti QX80 insurance rates.

Car insurance coverage information

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Coverage for collisions

Collision insurance will pay to fix damage to your QX80 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for doctor visits, X-ray expenses, surgery, pain medications and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, hitting a deer, rock chips in glass and theft. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, medical expenses, loss of income and legal defense fees. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Cheaper insurance is a realistic goal

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. Too many times, someone sacrificed physical damage coverage only to regret that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.

Cost effective 2014 Infiniti QX80 insurance is attainable online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We covered a lot of ways to get a better price on insurance. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may even find the lowest rates come from an unexpected company. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

Additional learning opportunities

Use our FREE quote tool to compare rates now!

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