How Much Does 1999 Infiniti QX4 Insurance Cost?

Are you sick and tired of not being able to afford to insure your Infiniti every month? You’re in the same situation as millions of other consumers.

Consumers have many insurers to choose from, and although it’s nice to have a choice, it can be more difficult to locate the cheapest rates.

You should take the time to get comparison quotes at least once a year since insurance rates change frequently. Just because you found the best deal for QX4 coverage a year ago there may be better deals available now. Don’t believe everything you read about insurance coverage online, so by reading this article, you’re going to learn some good information on how to slash your insurance coverage rates.

Which Auto Insurance is Cheapest?

There are a lot of ways to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You could waste time driving to agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Many popular insurance companies belong to an insurance system that allows shoppers to submit one quote, and every company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions to each company. To enter your information into the quoting system, click to open in new window.

The single downside to using this type of system is you can’t choose the providers you will receive quotes from. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click to view list.

However you get your quotes, be sure to compare the exact same information for every quote you compare. If you compare different deductibles it will be impossible to determine the best price for your Infiniti QX4. Just a small difference in insurance coverages can make a big difference in price. And when quoting auto insurance, remember that getting more free quotes helps locate better pricing.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Is my babysitter covered when using my vehicle?
  • Is business equipment covered while in my vehicle?
  • Why am I required to get a high-risk car insurance policy?
  • How can I get my company to pay me more for my totalled car?
  • How high should deductibles be on a 1999 Infiniti QX4?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverages 101

Having a good grasp of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Liability auto insurance

Liability coverage protects you from damage that occurs to other people or property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like emergency aid, medical services, court costs and structural damage. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, falling objects, hitting a deer and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This will pay to fix damage to your QX4 caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, rehabilitation expenses, chiropractic care and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Infiniti QX4.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.