View 2000 Infiniti QX4 Insurance Quotes

Pricey insurance can take a big chunk out of your monthly budget and make it tough to pay other bills. Big-name insurance companies like State Farm, Progressive and Geico increase brand awareness with advertising and it can be hard to ignore the flashy ads and take the time to shop coverage around.

Consumers need to do price comparisons before your policy renews because insurance rates are variable and change quite frequently. Just because you had the lowest premium rates on QX4 insurance last year the chances are good that you can find a lower price today. There is too much inaccurate information about insurance online but in just a couple of minutes you can learn some great ways to slash your insurance rates.

How much does car insurance cost?

Comparing car insurance rates can be challenging if you don’t know the best way to get rate quotes. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

All the larger companies belong to a marketplace where prospective buyers submit one quote, and each participating company provides a quote based on the submitted data. This prevents consumers from doing quote forms for each company.

To compare pricing click here (opens in new window).

The one disadvantage to comparing rates this way is you are unable to specify the insurers to get quotes from. So if you prefer to choose specific providers to compare rates, we have a page of the cheapest car insurance companies in your area. Click to view list.

Whichever way you use, try to use apples-to-apples information for every quote you compare. If your comparisons have different values for each quote it’s not possible to decipher which rate is best.

Misconceptions in insurance coverage advertisements

Consumers can’t ignore all the ads that claim the cheapest premium rates from companies such as State Farm, Geico and Progressive. All the ads make the point of big savings if you move your policy.

How do they all charge you less for car insurance? Here is how they do it.

Insurance providers have a certain “appetite” for the type of insured that earns them the highest profit. An example of this type of driver might be described as over the age of 40, carries high limits, and drives a vehicle with a low ISO rating. Any driver who fits those characteristics will get low premium rates and most likely will save a lot of money.

Drivers who cannot meet these standards will probably be forced to pay a higher rate with the end result being business not being written. The ad wording is “people who switch” but not “all drivers who get quotes” save the amount stated. That’s why companies can advertise the savings.

Each company has different criteria, so you really need to get a wide range of price quotes. It is just not possible to predict which insurance companies will fit your personal profile best.

Lower rate quotes with these insurance discounts

Insurance is expensive, but there’s a good chance there are discounts that can help lower your rates. Most are applied when you quote, but a few must be asked about before they will apply. If they aren’t giving you every credit available, you are not getting the best rate possible.

  • Federal Government Employee – Active or former government employment could cut as much as 10% off on QX4 insurance but check with your company.
  • Onboard Data Collection – Insureds that choose to allow driving data submission to scrutinize when and where they use their vehicle remotely such as State Farm’s In-Drive may see discounts if their driving habits are good.
  • Military Discounts – Being deployed in the military may qualify for rate reductions.
  • New Car Discount – Buying a new car instead of a used car can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Renewal Discounts – Some companies give discounts for signing up early. It could save around 10% when you buy insurance coverage online.
  • Accident Waiver – This one isn’t a discount, but a few companies such as Allstate, Progressive, and Geico will forgive one accident without raising rates if you are claim-free prior to being involved in the accident.

Drivers should understand that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

To choose insurers that offer the discounts shown above, click here to view.

Auto insurance can get complicated

When it comes to choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help highlight if your situation will benefit from professional help.

  • If my pet gets injured in an accident are they covered?
  • Can my babysitter drive my car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is the rate difference between pleasure use and commuting?
  • How much liability do I need to cover my assets?
  • How do I buy GAP insurance?
  • What can I do if my company won’t pay a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Is extra glass coverage worth it?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Collision insurance

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, a broken windshield, hitting a bird and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as bail bonds, court costs and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like prosthetic devices, ambulance fees and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2000 Infiniti QX4.

Since 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. Usually these coverages do not exceed the liability coverage limits.

Better coverage you can count on

As you quote insurance coverage, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. The aim is to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

Some insurance companies may not offer online price quotes small, regional companies sell through independent insurance agencies. Lower-priced 2000 Infiniti QX4 insurance is attainable on the web and with local insurance agents, and you should be comparing both to have the best selection.

Additional insurance information can be read at these links:

Comments About 2000 Infiniti QX4 Insurance

  1. Angelena Parrish

    It’s all a rip off. Checking in from Tacoma, WA. Can’t remember who all I quoted but I ended up saving about $20 each month. Left Hartford to switch. BTW speeding tickets are not good. I used their website to get prices. My Infiniti doesn’t have full coverage.

  2. Sheron Fulton

    If you have a clean record and live in the vicinity of Des Moines, IA, check out 21st Century. I saved quite a bit. Left Allstate to switch. I’m a pretty low risk driver.

  3. Crista Day

    Quoted with Mercury for my 2000 Infiniti QX4 and saved about $80 a year. Was with Hartford. I have a teen driver too.

  4. Eden Browning

    I’m in the north part of Kansas City, MO. Quoted prices from 21st Century, GMAC, and Encompass for my Infiniti and saved $117 a year. They were helpful in switching over. Anyone else drop full coverage?

  5. Luetta Skinner

    If you have a good history and live near Allentown, PA, check out GEICO. I saved quite a bit. They have a lot of discounts available. :)

  6. Natividad Richmond

    Good site, thanks. I’m just north of Fayetteville, AR. I quoted with Auto-Owners, Safeco, and USAA for my Infiniti and saved $75 a year. They have a lot of discounts available. I used their online quote form to compare rates.

  7. Karey Webb

    I’m in Chesapeake, VA, and GEICO rates were affordable. I even had a DUI years ago. Hardly afford to drive anymore.

  8. Lauren Beard

    I think I’m paying too much. I live just outside Aurora, Illinois. Got rates from 21st Century, Esurance, and Hanover for my 2000 Infiniti QX4 and I’m now saving $10 a month. Was with AIG Insurance. Good multi-policy discounts.

  9. Doria Washington

    Great site. I live on the north side of Mesa, AZ. Quoted prices from American Family, Eastwood, and Mercury for my 2000 Infiniti QX4 and am saving around $90 a year. Got better coverage too. I quoted rates online then called them. I think I’ll get rid of full coverage next time.

  10. Alex Cannon

    Live in the western part of Houston, TX. I quoted with 21st Century, American Family, and Encompass for my QX4 and I think I cut my rates about $20 each month. Thankfully I have a good driving record. You can get a rate quote online. I only have liability coverage on it.

  11. Alana Sullivan

    I live north of Newark, Delaware. Got quotes with USAA, AIG Insurance, GMAC, and Nationwide for my Infiniti and I think I saved around $30 each month. Even increased my liability limits. It was easy to get rates. I dropped full coverage awhile back.

  12. Yan Rogers

    When do I drop full coverage?

  13. Una Barnes

    Will 21st Century give discounts for good grades?

  14. Margie Stuart

    What are minimum liability limits required in South Dakota?

  15. Shin Benjamin

    I got a good deal I think. From Cranston, Rhode Island. Quoted with AAA, Nationwide, and some smaller one I can’t remember the name of for my Infiniti and cut my rates about $90 a year. Was with 21st Century. They have a lot of discounts available. It was easy to get rates. Only insure liability on my Infiniti.