Lower Your 2003 Infiniti QX4 Insurance Cost

Having to pay for overpriced car insurance can overdraw your savings account, especially in this economy. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

There are many car insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, it makes it harder to compare rates.

Compare the Market for Insurance

Performing a rate comparison can be a lot of work if you don’t understand the best way to get rate quotes. You can waste hours discussing policy coverages with insurance companies in your area, or you can utilize the web to quickly compare rates.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company returns a competitive quote based on the submitted data. This eliminates the need for quote forms to every company. To compare 2003 Infiniti QX4 rates now click to open in new window.

The only drawback to using this type of system is you cannot specify which insurance companies you will receive quotes from. If you would rather choose from a list of companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here to view list.

However you get your quotes, make sure you use the exact same quote information with each company. If you have different deductibles it will be next to impossible to determine which rate is truly the best. Slightly different coverage limits can mean a large discrepancy in price. It’s important to know that more quotes provides better odds of finding the best price.

Lesser-known factors impacting Infiniti QX4 insurance rates

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that could result in big savings.

  • Safer occupants lowers premiums – Cars with high safety ratings get lower rates. Safer cars reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Infiniti QX4 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Pleasure use saves money – The more you drive every year the higher your rate. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your car insurance policy shows the correct driver usage. If your policy improperly rates your QX4 may be costing you.
  • More than one policy can earn a discount – Some companies will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.
  • Do you have a high stress job? – Careers like lawyers, architects and accountants tend to have higher rates than average due to job stress and lots of time spent at work. On the flip side, jobs such as pilots, athletes and the unemployed receive lower rates on QX4 coverage.
  • Theft deterrents lower rates – Driving a car with an alarm system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.

Are you getting all your discounts?

Car insurance is not cheap, but there are discounts available to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be specially asked for before you get the savings.

  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Senior Discount – Older drivers may qualify for a small decrease in premiums on QX4 coverage.
  • Own a Home – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will reduce your premiums.

A partial list of companies that possibly offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts may not be available in your state.

When might I need an agent?

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

  • When would I need additional glass coverage?
  • How can I get high-risk coverage after a DUI?
  • Do I need replacement cost coverage?
  • Am I covered if hit by an uninsured driver?
  • Is my custom paint covered by insurance?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverage details

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by car insurance companies.

Medical expense coverage

Med pay and PIP coverage kick in for bills for funeral costs, surgery, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverage protection

Collision coverage will pay to fix damage to your QX4 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, damage from flooding, theft, falling objects and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Liability insurance

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, pain and suffering and legal defense fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.

More quotes mean more savings

You just read a lot of techniques to get a better price on 2003 Infiniti QX4 insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the best price on insurance coverage is with the smaller companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.

Cost effective insurance can be bought both online in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Other learning opportunities