Lower Your 1999 Infiniti QX4 Insurance Rates

Searching for low-cost insurance for a new or used Infiniti QX4 can turn out to be difficult, but you can learn the following methods to save time. There are more efficient ways to shop for auto insurance so we’re going to tell you the quickest way to compare rates on a Infiniti and locate the lowest price from both online companies and local agents.

If you are insured now or need new coverage, you can use these techniques to find better prices while maximizing coverage. Locating the best insurance is quite easy. Drivers just need to learn how to shop their coverage around online.

Insurance coverage policy discounts

Auto insurance companies do not list every available discount in an easy-to-find place, so we break down both the well known and the more hidden credits that you can use to lower your rates.

  • Smart Student Discounts – Excelling in school may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Auto/Life Discount – Larger insurance coverage companies have a small discount if you purchase life insurance.
  • Homeowners Pay Less – Owning your own home or condo can save you money due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Multi-Vehicle Discounts – Insuring more than one vehicle on the same insurance coverage policy qualifies for this discount.
  • College Student Discount – Older children who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
  • One Accident Forgiven – This isn’t a discount exactly, but some insurance companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.
  • Driver Safety – Completing a class that teaches defensive driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
  • Onboard Data Collection – Insureds that choose to allow driving data submission to monitor driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if their driving habits are good.
  • Discounts for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because newer models are generally safer.
  • Discount for Multiple Policies – If you can bundle your home and auto insurance and place coverage with the same company you could get a discount of nearly 15% which can help you find inexpensive auto insurance.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

Companies and some of their more popular discounts are outlined below.

  • Geico offers discounts for good student, federal employee, anti-lock brakes, air bags, driver training, seat belt use, and membership and employees.
  • USAA includes discounts for driver training, good student, loyalty savings, defensive driver, multi-vehicle, and safe driver.
  • Progressive offers discounts including good student, multi-vehicle, multi-policy, continuous coverage, and online quote discount.
  • American Family discounts include defensive driver, early bird, accident-free, multi-vehicle, Steer into Savings, and good student.
  • Esurance has discounts for good student, online quote, defensive driver, anti-theft, DriveSense, multi-policy, and homeowner.
  • Farmers Insurance may have discounts that include business and professional, mature driver, teen driver, youthful driver, distant student, alternative fuel, and switch companies.
  • State Farm may offer discounts for safe vehicle, multiple policy, good student, defensive driving training, student away at school, accident-free, and Steer Clear safe driver discount.

Before you buy a policy, ask every prospective company what discounts are available to you. Depending on the company, some discounts might not be offered on policies everywhere. If you would like to choose from a list of insurance companies that offer some of these discounts, click here to view.

Lower your insurance costs

When buying car insurance it’s important to understand a few of the rating criteria that are used to determine your premiums. If you know what influences your rates, this helps enable you to make changes that could help you find lower car insurance prices.

  • Save by driving less – The higher the miles on your Infiniti in a year the higher the price you pay to insure it. A lot of insurance companies apply a rate based on how the vehicle is used. Autos that do not get driven very much qualify for better rates compared to those used for work or business. Incorrect rating for your QX4 can cost quite a bit. It’s always a good idea to double check that your car insurance declarations sheet states the proper vehicle usage.
  • Tickets cost more than a fine – Attentive drivers pay less for auto insurance than bad drivers. Only having one moving violation could increase your next policy renewal by as much as thirty percent. Drivers with multiple citations such as reckless driving or DUI may face state-mandated requirements to complete a SR-22 with their state’s licensing department in order to legally drive.
  • Save money by having excellent credit – Having a good credit history can be a huge factor in determining what you pay for car insurance. Drivers who have high credit ratings tend to be better risks to insure than drivers with lower credit ratings. So if your credit rating could use some work, you could potentially save money when insuring your 1999 Infiniti QX4 by improving your rating.
  • Single drivers take more risk – Walking down the aisle helps lower the price on your car insurance bill. Having a spouse translates into being more mature than a single person and insurance companies like that married drivers tend to file fewer claims.

How do I know if I need professional advice?

When buying the best insurance coverage, there is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • Do I need PIP coverage since I have good health insurance?
  • Can my teen drive my company car?
  • Do I need motorclub coverage?
  • Should I sign the liability waiver when renting a car?
  • Are rental cars covered under my policy?
  • Am I covered when driving someone else’s vehicle?
  • Are my friends covered when driving my 1999 Infiniti QX4?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Understanding the coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as ambulance fees, doctor visits, hospital visits and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Collision coverages – This coverage will pay to fix damage to your QX4 caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability car insurance – This protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like medical services, pain and suffering, bail bonds, emergency aid and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Infiniti QX4.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, theft and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

At the end of the day…

More affordable car insurance is available both online as well as from independent agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer price quotes online and usually these smaller providers provide coverage only through local independent agencies.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

People change insurance companies for many reasons like policy cancellation, delays in paying claims, policy non-renewal and high prices. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

Even more information can be found by following these links: