2012 Infiniti EX Insurance Cost – 6 Savings Tips

Are you intimidated by the number of auto insurance providers? There are such a vast assortment of providers available that it can quickly become a real challenge to find the best premium rates.

Choosing the best insurance company for you is not that difficult. In a nutshell, every driver who is shopping for auto insurance will more than likely be able to find better rates. But vehicle owners must learn how insurance companies determine prices and apply this information to your search.

Cheapest insurance price quotes

To find cheap prices, there are a couple of ways to get quotes from many different insurance companies. The best method to find the cheapest 2012 Infiniti EX insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

  • The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for separate quote forms for every insurance company. One form will return quotes from several companies. Just one form and you’re done.
  • A different way to find lower rates is spending the time to visit the website for each individual company and complete a new quote form. For sake of this example, let’s say you are doing a rate comparison from State Farm, 21st Century and Farmers. To do that, you would have to spend time going to each site individually and enter your policy data, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just do your best to use the exact same coverages with each company. If each company quotes different data it will be next to impossible to make a fair comparison for your Infiniti EX. Even a minor difference in insurance coverages can make a big difference in price. It’s important to know that comparing a large number of companies increases your odds of finding the best rates.

Six discounts for cheaper insurance rates

Insurance can be pricey, but there could be significant discounts that can drop the cost substantially. Some of these disounts will be visible when you complete an application, but a few must be specifically requested before they will apply.

  • Multi-car Discount – Having more than one vehicle with one company can reduce the rates for all insured vehicles.
  • Discount for Low Mileage – Keeping the miles down on your Infiniti could earn lower prices on the low mileage vehicles.
  • Claim-Free Discount – Claim-free drivers pay much less as opposed to drivers who are more careless.
  • Onboard Data Collection – Insureds who allow their insurance company to spy on driving habits by using a telematics device such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
  • Bundled Policy Discount – When you have multiple policies and place coverage with the same company you could save at least 10 to 15 percent or more.
  • Military Discounts – Having an actively deployed family member could be rewarded with lower premium rates.

As a sidenote, some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, insurance companies aren’t that generous.

To choose companies who offer insurance discounts, follow this link.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you would benefit from professional advice.

  • When does my teenage driver need to be added to my policy?
  • What is high-risk coverage and where do I buy it?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need roadside assistance coverage?
  • Is my 2012 Infiniti EX covered for flood damage?
  • What are the financial responsibility laws in my state?
  • When do I need to add a new car to my policy?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Insurance specifics

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, chiropractic care, surgery, doctor visits and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your EX resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, crashing into a building, sustaining damage from a pot hole, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Infiniti EX.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, vandalism, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage can cover damage or injury you incur to other people or property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as repair costs for stationary objects, funeral expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.