Penny Pincher's Guide to Insuring a Infiniti EX35
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. Finding insurance for your Infiniti EX35 that you can actually afford is probably no different.
Step One: Compare Rates from Multiple Companies
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Thanks to the internet, insurance shopping is a whole lot easier!
Getting online rate quotes for a Infiniti EX35 from all the major insurance companies is very easy and only requires you to enter your information once.
To find affordable coverage for your Infiniti EX35, the first step is to click the link below and complete the short form.
Important Tip! In order to accurately compare rates for your EX35, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Best Ways to Lower your EX35 Insurance Cost
What you actually pay to insure your Infiniti is determined by many factors, some of which you have no control over.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- The more a vehicles costs new, the more likely it is that repairs will cost more as well. Since the EX35 is a luxury SUV vehicle insurance will cost a little more.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- An SUV allows you to drive in snow and mud better than your average passenger car, and with that comes a higher risk of having an accident. So expect to pay a little more on car insurance.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- If your Infiniti is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- For some reason, car theives target particular makes and models more than others. If your EX35 is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
Step Three: Bind Coverage and Cancel your Old Policy
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If you already have a car insurance policy, then your Infiniti EX35 will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new EX35 won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
The Insurance Information Institute has a great resource of car insurance articles where you can learn more about coverages and money saving tips. Visit iii.org.
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