Save on 1993 Infiniti G20 Car Insurance Rates

Feeling guilty for buying high-priced auto insurance? Don’t sweat it because there are many consumers feeling the pinch from expensive auto insurance. With so many different company options, it can be diffult for people to find the most affordable insurer.

This article will help you learn how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Consumers only need to know the most efficient way to get comparison quotes online.

Do you qualify for discounts?

Insurance coverage is not an enjoyable expense, but there may be some discounts that may help make it more affordable. Most are applied at the time you complete a quote, but once in a while a discount must be asked for before being credited.

  • Low Miles Discount – Low mileage vehicles could qualify for substantially lower prices.
  • Lower Rates for Military – Being deployed with a military unit can result in better prices.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
  • Homeowners Pay Less – Owning your own home or condo can get you a discount because owning a home requires a higher level of personal finance.
  • Distant Student – Any of your kids who live away from home to go to college and don’t have a car could get you a discount.

Don’t be shocked that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Large insurance coverage companies and a selection of discounts can be found below.

  • Mercury Insurance may include discounts for ease of repair, annual mileage, age of vehicle, location of vehicle, anti-theft, multi-car, and good driver.
  • Farmers Insurance includes discounts for pay in full, youthful driver, mature driver, alternative fuel, multi-car, homeowner, and bundle discounts.
  • Farm Bureau offers discounts for driver training, safe driver, youthful driver, multi-policy, and renewal discount.
  • State Farm offers premium reductions for multiple policy, Steer Clear safe driver discount, driver’s education, safe vehicle, multiple autos, passive restraint, and Drive Safe & Save.
  • Allstate offers discounts including EZ pay plan discount, economy car, anti-theft, teenSMART discount, eSmart discount, and premier plus.
  • Geico has savings for multi-vehicle, five-year accident-free, good student, federal employee, anti-theft, membership and employees, and seat belt use.

When getting free car insurance quotes, it’s a good idea to each insurance company which discounts can lower your rates. All car insurance discounts may not be available in your state. If you would like to see a list of insurance coverage companies who offer online insurance coverage quotes, click this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • How does medical payments coverage work?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my state a no-fault state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • If I drive on a suspended license am I covered?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I rent a car in Mexico?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Drivers who switch save $384 a year? Really?

Drivers can’t ignore all the ads that claim the best prices from companies such as 21st Century, Allstate and State Farm. They all seem to make the promise that drivers will save a bundle if you switch to their company.

It sounds good, but how can they all make the same claim? This is how they do it.

Car insurance companies look for specific characteristics for the type of driver that will be a good risk. A good example of a preferred risk could be over age 30, has a clean driving record, and has excellent credit. Anyone that matches those criteria may get the lowest prices and is almost guaranteed to save some money.

Consumers who do not fit this ideal profile will get more expensive rates with the end result being the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone that quotes” save that much money. That is how companies can claim big savings.

This illustrates why drivers must compare many company’s prices. It is just not possible to predict the company that will have the lowest premium rates for your situation.

Coverages available on your policy

Having a good grasp of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Comprehensive coverages

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

Comprehensive can pay for things like fire damage, falling objects, a tree branch falling on your vehicle, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision insurance covers damage to your G20 caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, scraping a guard rail, backing into a parked car, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses like X-ray expenses, chiropractic care, nursing services, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Liability

This coverage will cover damage or injury you incur to other people or property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like funeral expenses, repair bills for other people’s vehicles, medical expenses, pain and suffering and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Pennies from heaven

Cheap 1993 Infiniti G20 insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not offer price quotes online and most of the time these small insurance companies only sell through independent agents.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

Additional detailed information is available in these articles:

Comments About 1993 Infiniti G20 Insurance

  1. Katrina French

    How are claims handled by Allstate around Missoula, Montana?

  2. Bobbie Mckenzie

    Allstate is pretty cheap in Texas! :)

  3. Gerald Whitney

    I’m just south of Los Angeles, CA. I got free rates from Progressive, AIG Insurance, and Farmers for my 1993 Infiniti G20 and I’m now saving $14 a month. Just liability coverage since it’s getting old.

  4. Xiomara Guzman

    I’m in Billings, MT. Got car insurance quotes from AAA, Nationwide, and some smaller one I can’t remember the name of for my 1993 Infiniti G20 and I think I am saving around $20 each month. Insured with Farmers before. Thankfully I have a good driving record.

  5. Cortez Prince

    1993 Infiniti G20 + Allstate = GOOD RATES!

  6. Keshia Cabrera

    Thought I’d throw in my experience. From a town just southwest of New Orleans, LA. Quoted with Auto-Owners, Safeco, and Western Auto Insurance for my G20 and saved about $80 a year. Have an at-fault accident tho. Still almost need a second mortgage.

  7. Brenna Jennings

    I compared a lot of rate quotes for a 1993 Infiniti G20 in Chicago, IL. Ended up at about $100 every six months with Amica. I get multi-vehicle and multi-policy discounts.

  8. Harrison Hendrix

    Hope my car insurance gets cheaper. I live in a small town just outside of New Orleans, LA. I don’t recall every quote but I ended up saving about $20 each month. I don’t insure for physical damage though.

  9. Elza Tyler

    Great info, thanks for posting. I’m in the east part of Warren, MI. Quoted a bunch of companies. Saved roughly $20 a month. State Farm was the best choice for me. Was with MetLife. It never hurts to quote around. I don’t have comp or collision coverage.

  10. Kip Grimes

    I live south of Fayetteville, AR. Quoted with Progressive, AAA, and some I forget for my G20 and saved just over $110 a year. Was with MetLife. BTW speeding tickets are not good. My G20 doesn’t have full coverage.

  11. Maybelle Mullen

    From a town just southwest of Boise, ID. Compared quite a few companies. Saved about $30 a month. GEICO was the cheapest for me. I have a teen driver too.