2011 Infiniti EX Car Insurance Rates – 5 Policy Discounts

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us when we tell you you’re not the only one.

Big companies like Geico and Progressive all claim big savings, bombarding you with fancy advertisements and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.

You should make it a habit to do rate comparisons every six months because prices are variable and change quite frequently. If you had the best rates on EX insurance last year you will most likely find a better rate today. There is a lot of wrong information about insurance coverage online but I’m going to show you some of the best ways to slash your insurance coverage rates.

Save big with these five discounts

Companies offering auto insurance do not list all available discounts very well, so we break down both the well known and the more hidden ways to save on insurance coverage.

  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Defensive Driver – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.

For a list of insurance companies with the best insurance coverage discounts, click here to view.

But I don’t know anything about car insurance

When choosing the best insurance coverage coverage, there really is not a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Exactly who is provided coverage by my policy?
  • What is medical payments coverage?
  • Can I still get insurance after a DUI?
  • Does my 2011 Infiniti EX qualify for pleasure use?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are rock chip repairs covered?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverages 101

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Liability – Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy 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 a limit of $25,000 paid for damaged property.

Liability can pay for claims like attorney fees, bail bonds and funeral expenses. How much coverage you buy is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Infiniti EX.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, hospital visits, pain medications, surgery and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage covers damage to your EX resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, damaging your car on a curb, rolling your car, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

A penny earned…

You just learned many ways to lower your 2011 Infiniti EX insurance rates. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Geico and State Farm.

When shopping online for insurance coverage, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

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