2014 Infiniti QX80 Car Insurance Quotes – 8 Tips for Cheapest Rates

I can’t think of a single person who likes having to buy insurance, especially knowing their premiums are through the roof.

Since consumers have many insurance companies to choose from, it is hard for the average consumer to pick the cheapest insurance company.

It’s smart to compare prices at least once a year since insurance rates are usually higher with each renewal. Even if you got the best rates for QX80 insurance last year you will most likely find a better rate today. Don’t believe everything you read about insurance online, so we’re going to give you some guaranteed methods to quit paying high insurance rates.

Finding the best car insurance coverage is quite easy. Essentially everyone who carries car insurance most likely will be able to save money. Nevertheless, drivers do need to learn the way insurance companies sell insurance online and take advantage of how the system works.

The quickest way to compare policy rates is to take advantage of the fact all the major auto insurance companies provide online access to give rate comparisons. All you need to do is provide information like driver ages, your general credit rating, if you went to college, and if you require a SR-22. Your rating data is sent automatically to multiple different insurance companies and they respond with quotes instantly.

Ads can be misleading

Car insurance companies such as 21st Century, Allstate and State Farm continually stream ads on television and other media. They all seem to make an identical promise of big savings after switching your policy. But how can every company say the same thing?

Different companies have a certain “appetite” for the type of customer that earns them a profit. For example, a driver they prefer could possibly be between 25 and 40, is a homeowner, and drives newer vehicles. Any driver who meets those qualifications gets the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who don’t qualify for these standards must pay higher premiums and this can result in the customer not buying. The ads state “drivers who switch” not “people who quote” save money. That’s why companies can truthfully make those claims.

This illustrates why it’s extremely important to get as many comparisons as possible. It’s not possible to predict which company will provide you with the cheapest Infiniti QX80 insurance rates.

Take advantage of discounts

The price of auto insurance can be rather high, but there could be available discounts to help offset the cost. A few discounts will automatically apply at quote time, but less common discounts must be specially asked for prior to getting the savings.

  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
  • Organization Discounts – Belonging to a qualifying organization may earn a discount on car insurance for QX80 insurance.
  • No Accidents – Good drivers with no accidents pay much less compared to accident-prone drivers.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Early Signing – Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren’t that generous. Any amount of discount will bring down the cost of coverage.

To see a list of insurers who offer car insurance discounts, follow this link.

How to know if you need help

When buying adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I have newly-aquired coverage?
  • When would I need additional glass coverage?
  • Can I afford to buy a different vehicle if my 2014 Infiniti QX80 is totaled?
  • Can I get a multi-policy discount?
  • Does medical payments coverage apply to all occupants?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverages and their meanings

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Liability

This coverage protects you from damage or injury you incur to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair costs for stationary objects, pain and suffering, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as nursing services, dental work, chiropractic care and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, falling objects and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Saving money makes a lot of cents

We covered a lot of information how to reduce 2014 Infiniti QX80 insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may discover the biggest savings come from a small local company. Smaller companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage only to regret that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

For more information, take a look at the resources below: