2014 Infiniti Q70 Insurance Quotes – 10 Tricks for Best Rates

If you are a novice to online insurance shopping, it’s easy to get confused by the large number local agents and online companies that all promise the best rates.

Cheaper rates by taking advantage of these ten discounts

Car insurance is easily one of your largest bills, but you might be missing out on some discounts that can help lower your rates. Certain discounts will be applied when you quote, but occassionally some discounts must be specifically requested before you will receive the discount.

  • Multiple Policy Discount – If you have multiple policies and insure them with the same company you could get a discount of at least 10 to 15 percent or more.
  • Drive Less and Save – Maintaining low annual mileage could earn lower premium rates on the low mileage vehicles.
  • Auto/Life Discount – Select insurance companies reward you with better premium rates if you take out life insurance from them.
  • Telematics Data Discounts – Drivers who elect to allow data collection to study where and when they drive by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as they are good drivers.
  • Mature Driver Discount – Drivers over the age of 55 may qualify for lower premium rates on Q70 insurance.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Student Discounts – Getting good grades could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
  • No Charge for an Accident – This one isn’t a discount, but companies like State Farm and Geico allow you one accident before raising your premiums if you have no claims for a set time period.
  • Pay Early and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts can get savings of 20 to 30 percent.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, you aren’t that lucky.

Some of the insurance companies that have some of the discounts shown above include:

It’s a good idea to ask every company which discounts you qualify for. Some discounts might not apply everywhere. If you would like to view insurers that can offer you the previously mentioned discounts, follow this link.

The method we recommend to compare car insurance rates takes advantage of the fact most insurance companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is give them some information like what you do for a living, if you have a valid license, how many miles driven, and if the car is leased. That information is then sent to many highly-rated insurers and you should receive rate quotes instantly.

How much auto insurance do I need?

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

  • Should I bundle my homeowners policy with my auto?
  • Is my nanny covered when driving my vehicle?
  • What is PIP insurance?
  • Where can I find high-risk insurance?
  • Do I need motorclub coverage?
  • When should my teen driver be added to my policy?
  • I don’t drive much so do I pay less?
  • Is my dog or cat covered if injured in an accident?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

The coverage is in the details

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Infiniti Q70.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for funeral costs, pain medications, ambulance fees and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Q70 caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, backing into a parked car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, falling objects and a tree branch falling on your vehicle. 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 not worth carrying full coverage.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see 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 $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as court costs, structural damage, legal defense fees, medical expenses and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

In conclusion

When searching for cheap auto insurance quotes, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone dropped physical damage coverage only to discover later that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

Consumers switch companies for any number of reasons including being labeled a high risk driver, poor customer service, not issuing a premium refund and even high rates after DUI convictions. It doesn’t matter what your reason, finding a new company is actually quite simple.

You just learned many ideas to compare 2014 Infiniti Q70 insurance rates online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding low cost auto insurance. You may even discover the lowest priced car insurance comes from a lesser-known regional company.

More information is available at these links: