2015 Infiniti QX70 Car Insurance Quotes – 9 Tips for Best Rates

Looking for the cheapest insurance coverage rates for your Infiniti QX70? Comparison shopping for insurance coverage is hard for people who are new to buying insurance online. Drivers have so many options available that it can quickly become a big hassle to compare prices.

Save on Infiniti QX70 insurance

Car insurance companies do not list every available discount very clearly, so we break down both the well known and the harder-to-find insurance coverage savings.

  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
  • College Student – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course in high school.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for QX70 insurance than their less cautious counterparts.
  • Club Memberships – Being a member of certain professional organizations may earn a discount on insurance coverage for QX70 insurance.
  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill if your company offers it.
  • Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies who might offer these discounts may include but are not limited to:

Double check with every prospective company how you can save money. Savings may not be available everywhere.

How to Get Auto Insurance

There are several ways of comparing price quotes from different insurance companies. The easiest way by far to find the lowest 2015 Infiniti QX70 rates consists of obtaining rate quotes online. This can be done in several different ways.

  1. The most efficient way to find low rates would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing a different quote for each company you want a rate for. Just one form compares rates from multiple low-cost companies. It’s definitely the quickest method.
  2. A slightly less efficient method to get quotes online requires you to visit each company website to complete their respective quote request forms. For example, let’s say you want comparison quotes from Allstate, Geico and GMAC. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

However you get your quotes, make darn sure you compare apples-to-apples coverages on every quote. If you compare higher or lower deductibles it will be next to impossible to determine the lowest rate for your Infiniti QX70. Quoting even small variations in limits can result in a big premium difference. Just remember that comparing more company’s prices will improve the odds of getting a lower rate.

Tailor your coverage to you

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions might help in determining whether your personal situation might need professional guidance.

  • Which is better, split liability limits or combined limits?
  • Does my liability insurance cover pulling a trailer or camper?
  • When would I need additional glass coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I get collision insurance on every vehicle?
  • What is covered by UM/UIM coverage?
  • Do I have newly-aquired coverage?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Car insurance specifics

Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2015 Infiniti QX70.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

Liability insurance provides protection from damage that occurs to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like repair costs for stationary objects, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision coverage

This coverage pays for damage to your QX70 resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like hospital visits, EMT expenses, funeral costs, rehabilitation expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut physical damage coverage only to regret at claim time that it was a big mistake. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

We just covered many ideas to compare 2015 Infiniti QX70 insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the most savings is with the least-expected company.

Low-cost insurance can be purchased both online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Additional learning opportunities