View 2013 Infiniti EX Car Insurance Quotes

Want lower insurance rates for your Infiniti EX? Are you a victim of an underperforming, overpriced insurance policy? Say no more because there are lots of people in the same boat.

Due to the increasing number of insurance companies to choose from, it’s difficult to find the cheapest company.

Consumers need to take a look at other company’s rates at least once a year since insurance prices fluctuate regularly. Even if you think you had the lowest price for EX coverage two years ago there may be better deals available now. You can find a lot of information about insurance out there, but in a few minutes you can learn a lot of great tips on how to lower your insurance premiums.

Get lower rates by taking advantage of discounts

Some providers don’t always publicize all possible discounts in a way that’s easy to find, so the list below contains both the well known and the more hidden auto insurance savings.

  • Lower Rates for Military – Having a deployed family member could qualify you for better rates.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off for EX coverage depending on your auto insurance provider.
  • Own a Home – Simply owning a home can save a few bucks because it is proof that your finances are in order.
  • Driver Training Discounts – Successfully completing a class that teaches defensive driving techniques can save you 5% or more if you qualify.
  • Drive Less and Save – Driving fewer miles could qualify for substantially lower auto insurancerates.
  • Buy New and Save – Buying insurance on a new vehicle may earn a small discount due to better safety requirements for new vehicles.
  • Distant Student Discount – Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Accident Forgiveness – Not a discount per se, but a handful of insurance companies allow you one accident before your rates go up as long as you don’t have any claims before the accident.

Please keep in mind that some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

Larger auto insurance companies and some of the premium reductions they offer are outlined below.

  • Farm Bureau discounts include renewal discount, 55 and retired, youthful driver, driver training, and safe driver.
  • Liberty Mutual offers discounts for exclusive group savings, multi-car, safety features, new vehicle discount, and newly retired.
  • State Farm may offer discounts for good driver, accident-free, multiple autos, defensive driving training, passive restraint, Drive Safe & Save, and student away at school.
  • Auto-Owners Insurance has savings for paid in full, good student, safe driver, mature driver, and anti-lock brakes.
  • Geico policyholders can earn discounts including military active duty, anti-lock brakes, five-year accident-free, good student, membership and employees, anti-theft, and seat belt use.
  • SAFECO may have discounts that include anti-lock brakes, multi-car, anti-theft, homeowner, teen safe driver, safe driver, and teen safety rewards.

Check with every company the best way to save money. Savings may not apply to policyholders in your area. To see providers that offer many of these discounts, click here.

Quote insurance coverage online

Many insurance companies allow you to get pricing on their websites. Getting online rates is very simple because it’s just a matter of typing in your personal and coverage information into a form. After you submit the form their system will order reports for credit and driving violations and gives you a price quote based on many factors. Quoting online simplifies rate comparisons, but the work required to visit different websites and type in your information is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to find the best price on insurance coverage.

There is a better way!

A more efficient way to compare insurance coverage pricing utilizes a single form that obtains quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much more enjoyable and efficient. Once the form is submitted, it is quoted and you can choose any or none of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out how much you’re overpaying now, click here and begin entering your coverage information. If you have a policy now, it’s recommended that you enter your coverages identical to your current policy. This helps ensure you will receive a fair comparison using the same coverage and limits.

How car insurance companies determine Infiniti EX insurance premiums

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that are used to determine insurance coverage rates. If you know what positively or negatively impacts your premiums, this enables informed choices that may reward you with much lower annual insurance costs.

The factors shown below are some of the most common factors utilized by car insurance companies to help set rates.

  • High credit scores save money – Having a bad credit rating can be an important factor in determining what you pay for insurance coverage. Drivers with very good credit scores tend to file fewer claims and have better driving records than drivers with poor credit. If your credit rating could use some work, you could potentially save money when insuring your 2013 Infiniti EX by improving your rating.
  • Filing insurance coverage claims can increase rates – If you’re an insured who likes to file claims you can expect higher rates. Insurance companies provide discounts to drivers that do not abuse their auto insurance. Your insurance policy is intended for major claims that would cause financial hardship.
  • Gender and auto insurance – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, this does not mean women are better drivers. Females and males are in accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving.
  • Marriage discount – Being married may save some money when buying insurance coverage. It translates into being more mature and insurance companies reward insureds because married drivers get in fewer accidents.

How much auto insurance do I need?

When it comes to choosing coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine whether you will benefit from professional help.

  • What are the financial responsibility laws in my state?
  • Will my rates increase for filing one claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I rate my 2013 Infiniti EX as pleasure use or commute?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I rent a car in Mexico?
  • Am I better off with higher deductibles on my 2013 Infiniti EX?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, damage from getting keyed, damage from flooding, hitting a bird and vandalism. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, dental work, pain medications, funeral costs and chiropractic care. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability coverages – Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like funeral expenses, court costs, repair bills for other people’s vehicles, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Infiniti EX.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Collision coverages – Collision coverage covers damage to your EX caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Take this to the bank

Budget-conscious 2013 Infiniti EX insurance can be sourced from both online companies and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not offer rates over the internet and these small insurance companies prefer to sell through local independent agents.

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There have been many cases where someone sacrificed collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

More detailed car insurance information can be found in these articles:

Comments About 2013 Infiniti EX Insurance

  1. Herlinda Kinney

    I went with State Farm at renewal. Best rates in Cleveland, OH.

  2. Lacy Donaldson

    I chose to switch to GEICO from Auto-Owners. I live in Lexington, KY. Insured with Hartford before. Even increased my liability limits. :P

  3. Allen Townsend

    I was with GMAC last year but switched to 21st Century. From Tucson, AZ. Ask about discounts. Hardly afford to drive anymore.

  4. Rubi Simon

    Nice post. I’m in the suburbs of Birmingham, AL. Quoted with State Farm, GMAC, and Erie for my 2013 Infiniti EX and saved just over $460 a year. Thankfully I’m not a high risk driver. LOL

  5. Dalene Gray

    If you don’t have tickets and are close to Tucson, Arizona, check out State Farm. They seem to be cheaper. Was with MetLife.

  6. Nicolasa Drake

    If you have a good history and live near Anchorage, AK, check out Allstate. They seem to be cheaper. They offer free online rate quotes.

  7. Libbie Pacheco

    I’m in the west part of Lincoln, NE. Got free quotes online for a 2013 Infiniti EX. Ended up at about $390 savings annually. Went with Progressive. My new agent seems to be really good.

  8. Wendolyn Key

    If you have a clean record and live around Cedar Rapids, IA, check out GEICO. You might save some money. Insured with MetLife before. Switched homeowners coverage too.

  9. Sparkle Perkins

    Cheapest quote for my 2013 Infiniti EX was with Eastwood. Bought it from an online quote.

  10. Verlene Bowen

    I’m looking for cheaper coverage. Lifelong resident of Rochester, New York. Received quotes from AAA, Safeco, and a few others for my Infiniti and saved around $140 a year. Left Travelers to switch.

  11. Merrill Rodriguez

    Went with Allstate for my 2013 Infiniti EX and cut my rates about $460 a year. Hardly afford to drive anymore.

  12. Edra Hernandez

    If you don’t have tickets and are close to Overland Park, KS, check out Allstate. You might save some money. God forbid I actually have a claim.

  13. Kesha Christian

    Will Progressive raise rates for a small claim?

  14. Billy Gay

    I switched to Progressive. Quoted good rates in Birmingham, AL. I have a couple other vehicles on the policy. It never hurts to quote around.

  15. Toby Vargas

    Cheap is not always the best policy. Checking in from San Antonio, Texas. Quoted a bunch of companies. Saved right around $30 a month. State Farm was the most affordable for me. I used their website to get prices.

  16. Christi Herman

    Good detail in your article. From Fayetteville, Arkansas. Got car insurance quotes with Travelers, AIG Insurance, Hanover, and Mercury for my EX and I’m now saving $27 a month. Bought it from an online quote.

  17. Claretta Huff

    I’m just west of Wilmington, DE. Got quotes from GEICO, Auto-Owners, and Eastwood for my 2013 Infiniti EX and I’m now saving $29 a month. Got better coverage too.