2002 Infiniti QX4 Insurance Quotes

Tired of trying to scrape together enough money to insure your Infiniti every month? You are in the same boat as most other car owners.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm constantly blast consumers with ads and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

How to Get Insurance Comparison Quotes

All major insurance companies quote prices directly from their websites. This process is pretty easy as you just enter your coverage preferences as detailed in the form. After you submit the form their rating system automatically orders your credit score and driving record and returns a price quote. This makes it a lot easier to compare rates but having to visit many different websites and type in the same information can be a bit repetitive. But it is imperative to do this in order to find a better rate.

The smarter way to lower your rates utilizes a single form to obtain quotes from a lot of companies. It saves time, requires less work, and makes online quotes a lot less work. Once the form is submitted, your coverage is rated with multiple companies and you can pick any one of the returned quotes. If the quotes result in lower rates, you can simply submit the application and purchase coverage. It can be completed in a matter of minutes and can result in significant savings.

In order to find out how much you’re overpaying now, click here and enter your information. If you currently have coverage, we recommend that you enter the coverages exactly as shown on your declarations page. This makes sure you will have a fair comparison based on identical coverages.

Ads can be misleading

Companies like State Farm, Allstate and GEICO continually stream ads on television and other media. All the ads make the same claim about savings after switching your policy. But how can every company make almost identical claims? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a desirable insured might be between 30 and 50, has no driving citations, and chooses high deductibles. A driver that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.

Consumers who fall outside the “perfect” profile must pay higher rates and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save money. That is how insurance companies can claim big savings. This illustrates why drivers must get quotes from several different companies. You cannot predict which company will fit your personal profile best.

Infiniti QX4 premiums are determined by many factors

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for insurance coverage. Understanding what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces companies use to determine premiums.

  • Liability coverage protects you – The liability section of your policy will protect you in the event that you are found liable for damages caused by your negligence. Liability provides legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Credit scores impact insurance coverage rates – Credit score is a important factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit score is low, you could be paying less to insure your 2002 Infiniti QX4 by spending a little time repairing your credit.
  • Your insurance coverage rates can be influenced by your job – Careers like judges, social workers and accountants are shown to have higher rates than average due to high stress and lots of time spent at work. On the flip side, occupations like scientists, athletes and the unemployed pay the least on QX4 coverage.
  • How many coverages with the same company – Some companies give discounts to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you still need to shop around to ensure the best deal.
  • Drive a safer car and pay less – Safer cars are cheaper to insure. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company and thus lower rates. If the Infiniti QX4 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Discounts mean cheaper Infiniti QX4 insurance rates

Companies offering auto insurance don’t necessarily list all their discounts very clearly, so we took the time to find some of the best known as well as the least known ways to save on auto insurance.

  • Military Discounts – Having a deployed family member could mean lower rates.
  • Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
  • Government Employees – Active or retired federal employment may qualify you for a discount on QX4 coverage with a few auto insurance companies.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Accident Forgiveness – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Homeowners Discount – Owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • No Claims – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on QX4 coverage than drivers with accidents.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Senior Citizens – If you’re over the age of 55, you may qualify for better auto insurance rates on QX4 coverage.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

Car insurance companies that may have these money-saving discounts include:

Double check with each insurance company how you can save money. All car insurance discounts might not apply in every state.

Tailor your coverage to you

When choosing the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that. These are some specific questions can help discover if you might need professional guidance.

  • Should I waive the damage coverage when renting a car?
  • Do I need rental car coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Is my teenager covered with friends in the car?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my Infiniti QX4 covered if I use it for business?
  • What is roadside assistance coverage?
  • What happens if I owe more than my 2002 Infiniti QX4 is worth?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance policy specifics

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Infiniti QX4.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision coverage covers damage to your QX4 resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like X-ray expenses, dental work, doctor visits and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as court costs, loss of income and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hail damage, falling objects and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop around and save

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Cost effective 2002 Infiniti QX4 insurance can be purchased both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

Much more information about insurance is located at the links below