Compare 2013 Infiniti EX Car Insurance Quotes in 2024

Want lower insurance coverage rates for your Infiniti EX? Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us when we tell you there are many people just like you.

There is such a variety of car insurance companies to choose from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to adequately compare rates.

Consumers should take time to do price comparisons before your next renewal because prices are usually higher with each renewal. Just because you found the lowest price on EX coverage a year ago a different company probably has better rate quotes today. Ignore everything you know about insurance coverage because we’re going to show you one of the quickest ways to remove unneeded coverages and save money.

How to get free auto insurance quotes online

Many insurance companies like Allstate and Progressive provide pricing on their websites. Doing online quotes is quite simple as all you need to do is type in your coverage information as requested by the quote form. Once you submit the form, their system collects your credit score and driving record and generates pricing information based on the data you entered. Quoting online helps simplify price comparisons, but the process of having to visit each company’s website and repetitively type in your information gets old quite quickly. But it’s necessary to get many rate quotes if you want to get the lowest possible prices on auto insurance.

The preferred way to find better auto insurance pricing uses one form that obtains quotes from a lot of companies. The form is fast, requires much less work on your part, and makes online quotes a little more enjoyable. After your information is entered, it is quoted and you can choose any one of the price quotes you receive. If a lower price is quoted, you simply finish the application and purchase coverage. The whole process can be completed in less than 10 minutes and could lower your rates considerably.

To save time and compare rates using this form now, simply enter your zip code here and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter the limits and deductibles just like they are on your policy. This makes sure you will have rate comparison quotes for exact coverage.

Lower-cost car insurance rates with discounts

Some insurance providers don’t always advertise the entire discount list very clearly, so the list below gives a summary of some of the best known and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

• Homeowners Savings – Just being a homeowner can earn you a little savings because owning a home shows financial diligence.
• Multi-car Discount – Purchasing coverage when you have multiple cars or trucks with the same company can get a discount on all vehicles.
• Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Life Insurance Discount – Car insurance companies who offer life insurance give a small discount if you purchase life insurance.
• Employee of Federal Government – Having worked for a branch of the government may qualify for a discount when you quote car insurance on EX coverage depending on your company.
• Policy Bundle Discount – When you combine your home and auto insurance and insure them both with the same insurance company you could save at least 10% off all policies.
• Defensive Driver Discount – Passing a driver safety course may get you a small discount and easily pay for the cost of the class.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think all those discounts means the company will pay you, that’s just not realistic.

Popular car insurance companies and their offered discounts can be found below.

• State Farm may have discounts that include driver’s education, defensive driving training, accident-free, passive restraint, multiple autos, good student, and safe vehicle.
• GEICO may include discounts for seat belt use, driver training, air bags, membership and employees, multi-vehicle, military active duty, and federal employee.
• Liberty Mutual includes discounts for new graduate, new move discount, safety features, newly retired, and exclusive group savings.
• The Hartford has savings for vehicle fuel type, bundle, defensive driver, driver training, and good student.
• MetLife may offer discounts for good driver, claim-free, defensive driver, good student, accident-free, multi-policy
• Progressive policyholders can earn discounts including multi-vehicle, online signing, good student, homeowner, continuous coverage, multi-policy, and online quote discount.

Before purchasing a policy, check with each company to give you their best rates. All car insurance discounts might not be offered in your area. For a list of car insurance companies offering car insurance discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine if you might need professional guidance.

• Will my rates increase for filing one claim?
• Does my liability insurance cover pulling a trailer or camper?
• Does car insurance cover theft of personal property?
• Am I covered when driving a rental car?
• Can I drive in Mexico and have coverage?
• Is upholstery damage covered by car insurance?
• Is Motor Club coverage worth it?
• What is PIP insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance coverages

Knowing the specifics of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for nursing services, surgery, prosthetic devices and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your EX from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, damage from getting keyed, hitting a bird, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Infiniti EX.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

More effort can pay off

In this article, we covered some good ideas how to lower your 2013 Infiniti EX insurance premium rates. The key concept to understand is the more you quote car insurance, the better your chances of lowering your prices. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

Cheaper insurance is definitely available online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not have online quoting and usually these small insurance companies only sell coverage through independent agencies.