Compare 1996 Infiniti G20 Car Insurance Rates

Looking for lower insurance rates for your Infiniti G20? Perplexed by the crazy number of insurance company choices? You’re not the only one! Drivers have so many options available that it can easily become a real challenge to locate the lowest price.

Free Auto Insurance Quotes

There are multiple methods to shop for 1996 Infiniti G20 auto insurance, but there is one way that is more efficient than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use online quotes to get pricing more quickly.

Most car insurance companies belong to a marketplace that enables customers to complete one form, and each participating company can provide price quotes determined by their information. This saves time by eliminating form submissions for each company. To access this free quoting program, click here to open in new window.

One minor caviat to using this type of system is you are unable to specify the insurers you want to price. So if you want to choose specific insurance companies for rate comparison, we have a listing of low cost auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples information for every quote you compare. If you are comparing mixed coverages it will be very difficult to truly determine the lowest rate. Quoting even small variations in insurance coverages can make a big difference in price. And when price shopping your coverage, quoting more helps locate a lower rate.

Don’t be fooled by advertising claims

Auto insurance companies such as Progressive, Geico, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make the same claim of big savings if you switch your coverage to them. How can each company claim to save you money?

All companies have a preferred profile for the driver they prefer to insure. For instance, a profitable customer could possibly be between 25 and 40, owns a home, and chooses high deductibles. Any new insured who fits that profile will get very good rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t meet these standards will be charged a higher premium which leads to business not being written. The ads state “people who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully state the savings.

That is why drivers must get as many quotes as possible. It’s not possible to predict which insurance companies will fit your personal profile best.

Elements that influence Infiniti G20 insurance rates

Smart consumers have a good feel for the rating factors that play a part in calculating car insurance rates. Knowing what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces car insurance companies consider when setting your rates.

  • Where you live is a factor – Choosing to live in small towns and rural areas can be a good thing when talking about car insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have much more traffic to deal with and longer commutes to work. More time commuting means more change of being in an accident.
  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Infiniti G20 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Do you work long hours in a high stress job? – Jobs such as doctors, business owners and stock brokers tend to have the highest rates due to job stress and lots of time spent at work. On the other hand, occupations such as farmers, students and retirees receive lower rates on G20 coverage.
  • What are your deductibles? – Physical damage deductibles represent how much money you are required to spend out-of-pocket before your car insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a building, vandalism, and rolling your vehicle. The more expense the insured has to pay upfront, the less your company will charge you for insurance on G20 coverage.
  • Do you need the policy add-ons? – There are quite a few additional coverages you can purchase if you aren’t careful. Coverages for rental car reimbursement, better glass coverage and term life insurance may be wasting your money. They may seem like a good idea initially, but if they’re wasting money eliminate them to save money.
  • High numbers of claims are not good – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Companies provide lower rates to policyholders who file claims infrequently. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Cautious drivers pay less – Your driving citation history has a huge affect on how much you pay. Just one citation can increase rates by as much as thirty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but companies offer discounts that many people don’t even know exist. Most are applied when you purchase, but less common discounts must be specifically requested before you will receive the discount.

  • Drive Less and Save – Fewer annual miles on your Infiniti can qualify you for lower rates on the low mileage vehicles.
  • No Charge for an Accident – A few companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Safety Course Discount – Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • No Accidents – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
  • Homeowners Discount – Being a homeowner may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The good student discount can last well after school through age 25.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck. But all discounts will help reduce your premiums.

To see a list of insurers offering insurance coverage discounts, click here.

Don’t assume everyone needs the same coverage

When choosing coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Do I need motorclub coverage?
  • Why is insurance for a teen driver so high?
  • Is extra glass coverage worth it?
  • Am I covered if hit by an uninsured driver?
  • Can I rent a car in Mexico?
  • How do I insure my teen driver?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverage

Collision insurance covers damage to your G20 resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb, scraping a guard rail, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like rehabilitation expenses, pain medications, dental work, nursing services and surgery. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, bail bonds, repair bills for other people’s vehicles, pain and suffering and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, a broken windshield, hail damage and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Infiniti G20.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Shop Smart and Save

We’ve covered some good ideas how to get a better price on 1996 Infiniti G20 insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best price while still protecting your assets.

Discount insurance is available on the web and with local insurance agents, so you should compare both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

More information can be read at the links below