2001 Infiniti QX4 Car Insurance Cost – 6 Savings Tips

Searching for better insurance rates for your Infiniti QX4? Having to pay for pricey Infiniti QX4 insurance can bottom out your personal savings and maybe even restrict other spending. Numerous insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers to find the absolute best price available.

Compare quotes for insurance

There are a lot of ways to compare insurance prices but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get prices fast.

Many popular insurance companies participate in an industry program where insurance shoppers send in one quote, and every company then gives them pricing based on that data. This prevents consumers from doing quote forms to each individual insurance company.

To get comparison pricing now click here to start a free quote.

The single downside to getting quotes like this is you don’t know exactly which companies to get quotes from. So if you prefer to pick specific providers to request quotes from, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just do your best to use exactly the same coverages and limits for each quote you get. If each company quotes higher or lower deductibles it will be very difficult to determine which company has the best rates.

Verify you’re applying every discount

Companies that sell car insurance don’t always advertise the entire discount list in a way that’s easy to find, so the following list contains some of the more common and also the more inconspicuous credits that may apply to you.

• Accident Forgiveness Coverage – Not really a discount, but a handful of insurance companies will let one accident slide before your rates go up if your claims history is clear for a particular time prior to the accident.
• Defensive Driver – Passing a course in driver safety could cut 5% off your bill and easily pay for the cost of the class.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Multi-line Discount – Some insurance companies give a discounted auto insurance rate on car insurance if you buy some life insurance too.
• Student Discounts – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way.

To locate insurers with significant discounts, click this link.

When should I discuss my situation with an agent?

When buying coverage, there is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether you may require specific advice.

• Am I covered if I break a side mirror?
• Am I covered when driving someone else’s vehicle?
• How do I insure my teen driver?
• When do I need to add a new car to my policy?
• Do I need special endorsements for business use of my vehicle?
• Does my policy pay for OEM or aftermarket parts?
• Should I get collision insurance on every vehicle?
• Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Advertising myths

Consumers can’t get away from ads that claim the best car insurance rates from the likes of State Farm, Allstate and Geico. They all seem to seem to make the promise of big savings if you change to their company.

Is it even possible that every company can sell you cheaper insurance coverage? Here is how they do it.

Most companies have specific criteria for the type of driver that earns them a profit. For instance, a profitable insured may need to be over the age of 50, has had continuous coverage, and has a high credit rating. Any person that meets those criteria will probably get the lowest prices and will most likely save a lot of money.

Potential insureds who are not a match for the “perfect” profile must pay a higher premium which leads to the customer not purchasing. If you listen to the ad wording, they say “people that switch” not “all people who quote” save that much money. That is how companies can truthfully advertise the way they do. Different companies use different criteria so you need to get auto insurance quotes as often as possible. Because you cannot predict which company will be your best fit.

Auto insurance coverages

Having a good grasp of car insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average car insurance policy.

Liability

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as pain and suffering, legal defense fees, repair costs for stationary objects, medical services and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

This pays for damage to your QX4 resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses for things like X-ray expenses, doctor visits, pain medications and nursing services. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

More quotes. Lower rates.

A few companies may not provide online quoting smaller companies prefer to sell through independent agents. Cheap 2001 Infiniti QX4 insurance is definitely available on the web and from local insurance agents, and you should compare rates from both to get a complete price analysis.

We just showed you many tips how you can get a better price on 2001 Infiniti QX4 insurance. It’s most important to understand that the more times you quote, the better your comparison will be. Drivers may discover the lowest prices come from the least-expected company. These smaller insurers often have lower rates on specific markets as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an insured dropped physical damage coverage only to find out that it was a big error on their part. Your goal should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

More articles

• What to do at the Scene of an Accident (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• All About Airbag Safety (State Farm)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)