Compare 2015 Infiniti QX60 Car Insurance Quotes

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 13, 2015

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Finding lower premiums on insurance is hard for consumers not familiar with shopping for insurance online. Drivers have so many companies to choose from that it can turn into a big hassle to find lower rates.

Smart consumers take time to compare rates occasionally because rates trend upward over time. Just because you had the lowest rates for QX60 insurance two years ago other companies may now be cheaper. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the right way to buy cheaper insurance.

Best discounts on 2015 Infiniti QX60 coverage

Auto insurance companies don’t necessarily list every available discount very well, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Memberships – Affiliation with a professional or civic organization could qualify you for a break when buying car insurance for QX60 insurance.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Accident Waiver – Some insurance companies permit an accident before your rates go up if your claims history is clear for a certain period of time.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for QX60 insurance than drivers with accidents.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Defensive Driver – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way.

Companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Savings may not be available everywhere.

Infiniti QX60 insurance rates have many determining factors

Consumers need to have an understanding of the rating factors that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your insurance expire. And not only will your rates increase, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Little extras can really add up – There are a lot of extra coverages that you can get tricked into buying on your QX60 policy. Coverages like personal injury protection, accidental death and additional equipment coverage may be wasting your money. They may seem good at first, but now you might not need them so get rid of them and save.
  • Sex matters – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents at about the same rate, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Rural vs Urban Areas – Being located in a rural area has it’s advantages when it comes to auto insurance. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities have to deal with congested traffic and a longer drive to work. More time on the road means more change of being in an accident.
  • Bump up deductibles to save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Infiniti from damage. A few examples of covered claims are a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay if you file a covered claim. The more money you have to pay, the bigger discount you will receive for QX60 insurance.
  • Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. The safest vehicles protect occupants better and fewer injuries means less money paid by your insurance company and lower rates for you. If your Infiniti is rated at least four stars on Safercar.gov you are probably receiving a discount.

Tailor your coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • What is the rate difference between pleasure use and commuting?
  • Does medical payments coverage apply to all occupants?
  • Is my teenager covered with friends in the car?
  • Does my car insurance cover rental cars?
  • When should I remove comp and collision on my 2015 Infiniti QX60?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverages for a 2015 Infiniti QX60

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Infiniti QX60.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, hitting a deer, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability

This coverage will cover damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against things like medical expenses, attorney fees, bail bonds, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like surgery, doctor visits, nursing services and prosthetic devices. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

A tidy conclusion

Throughout this article, we presented many ideas to lower your 2015 Infiniti QX60 insurance rates. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from some of the smallest insurance companies.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone sacrificed collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at a price you can afford.

Low-cost insurance can be bought both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Additional detailed information is located in these articles:

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