2006 Infiniti QX56 Insurance Rates

Want cheaper insurance coverage rates for your Infiniti QX56? I can’t think of a single person who likes paying for insurance coverage, especially knowing the price is too high. Companies like Progressive, State Farm and Geico all claim big savings with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s smart to get comparison quotes periodically because rates change quite often. Just because you had the lowest rates for QX56 insurance last year you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to find out the proper way to find great coverage at a great price.

Pay less by taking advantage of discounts

Auto insurance companies do not list every available discount very well, so we researched some of the best known and the more hidden discounts you could be receiving. If you don’t get every credit possible, you’re paying more than you need to.

  • Bundle and Save – When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Driver Safety – Taking a course teaching defensive driving skills could save 5% or more if you qualify.
  • Paperwork-free – Some insurance companies will give a small break just for signing your application on their website.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Infiniti could qualify for a substantially lower rate.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.

It’s important to understand that most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free auto insurance policy, companies wouldn’t make money that way.

To see a list of insurance companies with the best auto insurance discounts, follow this link.

Auto Insurance Comparison Rates

Reducing your 2006 Infiniti QX56 insurance rates is surprisingly easy. The only thing you need to do is take a couple of minutes comparing price quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The fastest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing separate quotation requests for every auto insurance company. One form submission will return quotes direct from many companies.

A more time consuming way to get comparison quotes requires a trip to the website for each individual company and fill out their own quote form. For example, let’s assume you want to compare USAA, Allstate and State Farm. To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.

To view a list of companies in your area, click here.

It’s up to you which method you use, but make absolute certain that you use apples-to-apples information with each company. If you use unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Infiniti QX56.

Why you might be paying too much to insure your Infiniti QX56

It’s important that you understand the different types of things that come into play when calculating the rates you pay for insurance. Understanding what determines base rates helps enable you to make changes that may reward you with big savings.

The list below includes a few of the “ingredients” that factor into rates.

  • Optional equipment can affect rates – Owning a car with a theft deterrent system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • How’s your driving record? – A bad driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets get better rates than bad drivers. Even one moving violation can bump up the cost by twenty percent. If you have serious violations like DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Battle of the sexes – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes cause accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as reckless driving.
  • High numbers of claims are not good – Companies provide lower rates to policyholders who file claims infrequently. If you file claims often, you can look forward to either policy cancellation or increased premiums. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Safer cars are cheaper to insure – Safer cars are cheaper to insure. The safest vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If the Infiniti QX56 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Having a spouse can save you money – Getting married can actually save you money on your policy. Having a significant other usually means you are more mature and responsible and it’s proven that married couples file fewer claims.
  • Don’t cancel a policy without a new one in place – Allowing your insurance policy to lapse is a sure-fire way to pay more for insurance. Not only will rates go up, but being ticketed for driving with no insurance might get you a steep fine or even jail time.

Your coverage should be tailored to you

When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique so this has to be addressed. For example, these questions can aid in determining whether you might need professional guidance.

  • Does car insurance cover theft of personal property?
  • Does having multiple vehicles earn me a discount?
  • At what point should I drop full coverage?
  • Should I buy additional glass protection?
  • Am I covered when pulling a rental trailer?
  • Should I sign the liability waiver when renting a car?
  • Can I afford to buy a different vehicle if my 2006 Infiniti QX56 is totaled?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Switch companies and save? Really?

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm and Allstate. They all seem to make the same claim that you’ll save big if you change your coverage to them.

How can each company make almost identical claims?

All the different companies are able to cherry pick for the type of driver they prefer to insure. For example, a driver they prefer might be profiled as a mature driver, insures multiple vehicles, and drives newer vehicles. Any driver who matches those parameters is entitled to the best price and therefore will save when switching.

Drivers who don’t qualify for the “perfect” profile will have to pay higher prices and ends up with the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently advertise the way they do. Because of the profiling, it’s extremely important to get as many quotes as possible. It’s impossible to know the company that will have the lowest Infiniti QX56 insurance rates.

Insurance coverage basics

Knowing the specifics of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverages found on most insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2006 Infiniti QX56.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, hospital visits and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

This will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, funeral expenses and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

Collision coverage covers damage to your QX56 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, hitting a mailbox, scraping a guard rail, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Summing up your insurance search

When you buy insurance online, make sure you don’t reduce needed coverages to save money. There are too many instances where someone sacrificed collision coverage and learned later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at an affordable rate.

In this article, we covered a lot of ways to lower your 2006 Infiniti QX56 insurance rates. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the lowest priced insurance comes from a lesser-known regional company. They can often provide lower rates in certain areas than the large multi-state companies such as Progressive and Geico.

More information is located at the links below