Cheaper 2014 Infiniti QX80 Insurance Cost

Finding low-cost insurance for a new or used Infiniti QX80 can normally be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.

There are both good and bad ways to compare car insurance rates and we’ll show you the quickest way to compare rates for your Infiniti and locate the lowest possible price either online or from local insurance agents.

You should make it a habit to get comparison quotes before your next renewal because prices fluctuate regularly. Just because you found the best price on QX80 insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn the proper way to buy cheaper car insurance.

If you have a current car insurance policy or need a new policy, you can learn to cut your premiums and possibly find even better coverage. Shopping for the lowest cost car insurance is simple if you know the tricks. Consumers just need to understand the most effective way to buy car insurance over the internet.

The best way to get policy rate comparisons is to know the trick almost all companies provide online access to provide you with a free rate quote. The one thing you need to do is provide a little information like how much school you completed, how much coverage you want, if you have a valid license, and the ages of drivers. That rating information is sent automatically to insurance carriers in your area and they return rate quotes almost instantly.

To compare rates now, click here and find out if you can get cheaper insurance.

Find hidden discounts on insurance

Buying insurance is not cheap, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but some must be specifically requested in order for you to get them. If you do not check that you are getting every discount available, you are throwing money away.

  • Accident Free – Drivers who stay claim-free can save substantially when compared with policyholders that have many claims.
  • Pay Early and Save – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.
  • Distant Student Discount – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
  • Senior Citizens – Drivers over the age of 55 could receive a slight reduction on a car insurance quote on QX80 insurance.
  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.

Just know that most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride.

A few popular companies and their possible discounts include:

  • Geico policyholders can earn discounts including military active duty, five-year accident-free, defensive driver, seat belt use, good student, and anti-lock brakes.
  • Travelers has discounts for hybrid/electric vehicle, IntelliDrive, continuous insurance, good student, and early quote.
  • Nationwide offers premium reductions for business or organization, good student, anti-theft, accident-free, and family plan.
  • Farmers Insurance may include discounts for business and professional, mature driver, switch companies, bundle discounts, alternative fuel, electronic funds transfer, and teen driver.
  • Esurance may offer discounts for multi-car, online shopper, multi-policy, good driver, safety device, anti-lock brakes, and paid-in-full.
  • State Farm offers discounts including safe vehicle, Drive Safe & Save, passive restraint, multiple policy, good student, defensive driving training, and good driver.
  • Progressive may have discounts that include homeowner, multi-policy, online quote discount, good student, and continuous coverage.
  • Mercury Insurance includes discounts for accident-free, multi-car, good student, ease of repair, and type of vehicle.

Before buying, ask each company which credits you are entitled to. All car insurance discounts may not be available in your area. If you would like to see a list of providers that provide some of the discounts listed above, click this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions might help in determining if your situation might need professional guidance.

  • Are all vehicle passengers covered by medical payments coverage?
  • How much liability insurance is required?
  • Am I covered when driving on a suspended license?
  • Is my ex-spouse still covered by my policy?
  • Is my 2014 Infiniti QX80 covered for smoke damage?
  • Do I have coverage for damage caused while driving under the influence?
  • Why am I required to get a high-risk car insurance policy?
  • Should I bundle my homeowners policy with my auto?
  • Should I rate my 2014 Infiniti QX80 as pleasure use or commute?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Having a good grasp of insurance can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Collision insurance

This coverage covers damage to your QX80 from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, crashing into a building, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, rock chips in glass, a broken windshield and hitting a deer. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2014 Infiniti QX80.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to people or other property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as emergency aid, medical expenses, loss of income and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for prosthetic devices, funeral costs, EMT expenses, doctor visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comments About 2014 Infiniti QX80 Insurance

  1. Beth Ayala

    It all costs too much. I’m just east of Huntington, WV. Don’t remember every company but I ended up saving about $50 each month. :)

  2. Adelina Gonzalez

    Not sure what I should be paying. From northwest of Juneau, Alaska. I quoted with 21st Century, American Family, and Esurance for my Infiniti and cut my rates about $330 a year. Left 21st Century to switch. Good multi-policy discounts. They offer free online rate quotes.

  3. Hassan Roy

    Will GEICO raise rates for a windshield claim?

  4. Jonell Odom

    If you have a good history and are close to Knoxville, TN, check out Progressive. You might get cheaper rates. I’m a pretty low risk driver.

  5. Sharonda Huffman

    Good detail in your article. From northwest of Omaha, NE. Compared quite a few companies. Saved right around $30 a month. GEICO was the best choice for me. Hopefully won’t need it. Not sure if rates are cheaper online or through an agent.

  6. Carrol Beck

    If you don’t have tickets and live in the vicinity of Fayetteville, AR, check out State Farm. You might get cheaper rates.

  7. Kaycee Webb

    Good site, thanks. I’m just south of Dallas, TX. Quoted with 21st Century, Auto-Owners, and Encompass for my 2014 Infiniti QX80 and saved just over $520 a year. I recommend comparing lots of rates.

  8. Kyong Allen

    Checking in from Great Falls, MT. Quoted quotes from AAA, Safeco, and USAA for my QX80 and I’m now saving $50 a month. Was with GMAC. Moved home policy as well.

  9. Celena Holcomb

    Cheap is not always the best policy. From Little Rock, AR. Compared quite a few companies. Saved darn near $50 a month. State Farm was the best choice for me.

  10. Georgeanna Rich

    Will 21st Century be cheaper if I raise deductibles?

  11. Zachary Weber

    GEICO was cheapest for my 2014 Infiniti QX80 in Paterson, NJ.

  12. Boyd Rogers

    I live north of Missoula, Montana. Got quotes from Sentry, Encompass, Allstate, and Auto-Owners for my 2014 Infiniti QX80 and saved $254 a year. I used their online quote form to compare rates.