How Much Does 2003 Infiniti QX4 Car Insurance Cost?

Trying to find lower car insurance rates for your Infiniti QX4? Searching for low-cost insurance for a new or used Infiniti QX4 could be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.

There are more efficient ways to find car insurance online so we’re going to tell you the best way to compare rates for your Infiniti and locate the best price possible from both online companies and local agents.

It’s a great practice to shop coverage around on a regular basis because car insurance rates change regularly. Even if you got the lowest rate for QX4 coverage a year ago you can probably find a better price now. Block out anything you think you know about car insurance because I’m going to teach you how to use online quotes to properly buy coverages and cut your premium.

Insurance rate influencing factors

Smart consumers have a good feel for some of the things that help determine your policy premiums. If you understand what impacts premium levels, this helps enable you to make changes that may reward you with better car insurance rates.

Listed below are a few of the “ingredients” companies use to determine prices.

  • Low physical damage deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some examples of covered claims are a windshield shattered by a rock, vandalism, and rolling your vehicle. Your deductibles are how much you are required to spend in the event of a claim. The higher the amount you choose to pay out-of-pocket, the bigger discount you will receive for QX4 coverage.
  • Stay claim-free and save – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies give better rates to policyholders that do not abuse their auto insurance. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Cheaper rates by bundling – Most major insurers give lower prices to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to check prices from other companies to confirm you are receiving the best rates possible.
  • High stress job may mean higher car insurance rates – Do you have a high-stress occupation? Occupational choices like lawyers, social workers and miners usually pay higher rates than average because of intense work-related stress and lots of time spent away from family. Conversely, jobs such as actors, students and retirees receive lower rates for QX4 coverage.
  • Discounts for married couples – Being married may earn you lower rates compared to being single. Having a spouse generally demonstrates drivers are more stable financially and statistics prove drivers who are married file infrequent claims.
  • Improve your credit rating and save – Your credit score is likely to be a major factor in determining premium rates. Drivers with very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit history is low, you could save money insuring your 2003 Infiniti QX4 if you improve your credit rating.
  • Do you really need the extra policy coverages? – Insurance policies have a lot of add-on coverages that may not really be needed if you aren’t diligent. Coverages for roadside assistance, towing, and extra equipment coverage may be wasting your money. They may seem good initially, but your money might be better spent on other coverage so consider taking them off your policy.
  • Get a ticket, pay higher rates – Being a careful driver impacts your car insurance rates tremendously. Even one chargable violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums compared to bad drivers. People who have flagrant citations like DUI or reckless driving may be required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.

Insurance Discounts

Insurance can be pricey, but you might already qualify for some discounts that could drop your premiums quite a bit. Most are applied when you quote, but some may not be applied and must be specifically requested before you get the savings. If you do not double check each discount available, you’re just leaving money on the table.

  • Auto/Life Discount – Some insurance companies give a discounted rate on car insurance if you buy some life insurance too.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control are much safer to drive and qualify for as much as a 10% discount.
  • Defensive Driving Course – Taking time to complete a driver safety course may get you a small discount and easily pay for the cost of the class.
  • Military Discounts – Having a deployed family member could be rewarded with lower insurance rates.
  • First Accident Forgiveness – Not necessarily a discount, but companies like Allstate, State Farm and Geico will forgive one accident before your rates go up so long as you are claim-free for a specific time period.
  • E-sign – Certain insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on the internet.
  • No Claims – Insureds who avoid accidents and claims pay less in comparison to policyholders that have many claims.

Keep in mind that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, it’s just not the way it works.

Large insurance companies and their offered discounts include:

  • State Farm offers premium reductions for multiple policy, Drive Safe & Save, driver’s education, passive restraint, accident-free, Steer Clear safe driver discount, and good driver.
  • Farmers Insurance may include discounts for bundle discounts, teen driver, multi-car, alternative fuel, homeowner, switch companies, and business and professional.
  • Progressive policyholders can earn discounts including multi-policy, online quote discount, continuous coverage, homeowner, and online signing.
  • Geico offers discounts including good student, driver training, anti-lock brakes, multi-policy, and air bags.
  • Auto-Owners Insurance may offer discounts for group or association, paperless, anti-theft, student away at school, good student, and company car.
  • The Hartford discounts include anti-theft, vehicle fuel type, bundle, good student, driver training, and air bag.
  • Farm Bureau may have discounts that include good student, safe driver, multi-policy, multi-vehicle, 55 and retired, driver training, and youthful driver.
  • USAA includes discounts for vehicle storage, multi-policy, good student, annual mileage, military installation, and defensive driver.

Before you buy a policy, ask each insurance company which discounts can lower your rates. Some discounts listed above may not apply to policyholders in your area. To view providers offering insurance discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • How high should deductibles be on a 2003 Infiniti QX4?
  • Do I pay less if my vehicle is kept in my garage?
  • Where can I find DUI or SR-22 insurance?
  • What are the best liability limits?
  • Can my teen driver be rated on a liability-only vehicle?
  • What discounts do I qualify for?
  • What if I don’t agree with a claim settlement offer?
  • Is my 2003 Infiniti QX4 covered for flood damage?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Auto insurance coverage basics

Having a good grasp of auto insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverage

This can cover damage or injury you incur to people or other property in an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, attorney fees, legal defense fees, funeral expenses and bail bonds. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for EMT expenses, pain medications and prosthetic devices. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

Collision coverage will pay to fix damage to your QX4 resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, driving through your garage door, hitting a mailbox, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane, damage from getting keyed, rock chips in glass and theft. The most you’ll receive from a 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.

Make an honest buck

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice collision coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at the best possible price.

Lower-priced 2003 Infiniti QX4 insurance is available online in addition to many insurance agents, so you should compare both to have the best selection. Some auto insurance companies do not provide price quotes online and usually these small insurance companies only sell through local independent agents.

Consumers leave their current company for any number of reasons including policy cancellation, delays in responding to claim requests, delays in paying claims and even poor customer service. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

Even more information is located by following these links: