Infiniti Insurance: Get Rates & Quotes from Top Companies
Car insurance is one of the biggest add-on expenses you incur when owning a car.
That’s why it’s important to find the best Infiniti insurance policy at a price that doesn’t break the bank.
Numerous factors can influence your insurance payments, including:
- Driving Record
- Make of Car
- Model of Car
- Year of Car
When you’re looking for car insurance, it helps to understand the following statistics and guidelines, which companies then use to determine risk and calculate premium rates.
How Much Does Infiniti Insurance Cost?
Before you start calling around for quotes on your Infiniti insurance, you need to decide how much coverage you actually need.
Does your state have mandated policy requirements and will other people be driving your vehicle? If you have more than one car, you might want to insure both vehicles under the same policy.
The make and model of your vehicle is a major factor in determining your insurance costs due to the tremendous variability in automobiles. One car may have safety features that another doesn’t, and another may be more expensive to repair.
Let’s look at several of these factors.
1. Infiniti Safety Rating and Damage Threshold
The base model Infiniti SUV received a good score across all levels of safety ratings, while the four-door sedan varied between good and marginal. With such variance between models, to get a reliable quote from your insurance company you should supply your agent with the exact model and trim style.
Infiniti is classified as a luxury vehicle, and because of this, replacement parts and labor are usually much more costly, which will also influence your insurance premiums.
2. Infiniti Comprehension and Collision Coverage
When looking for an Infiniti insurance policy, it’s important to remember that the cash value of your car is reflected in your premiums.
A look at Kelly Blue Book will show that the price of an Infiniti can vary enormously, from a slightly used sedan at $20,000 to a new base model SUV for $33,000 or to a top-of-the-line hybrid costing above $50,000.
This variability is one of the top factors that ultimately determine your car insurance premiums.
3. Infiniti Claims Frequency and Potential to Cause Damage
Insurance companies add their overall losses and the costs of paying claims to determine premium rates. Infiniti scored rather low in this category, with claims costs that were worse than the average vehicle.
However, the luxury class as a whole didn’t score well either and compared to other vehicles in its class, Infiniti was right in the middle.
4. Infiniti Insurance Discounts
Safety is important to most drivers, and it’s also become a priority as a claim risk reduction factor. Therefore, insurance companies look for ways to reward car owners who purchase cars with reliable safety equipment.
The Infiniti goes way beyond the safety standards of passive restraints, antilock brakes, and tire pressure monitoring, to include state-of-the-art technology such as:
- around-view monitoring system,
- backup collision warning alarms,
- blind spot warning alarms, and
- emergency response system.
Keep in mind that your agent may not be aware of all the safety features in your vehicle.
It’s in your best interest to provide a detailed listing when you shop for your insurance.
Best Companies For Infiniti Insurance
The Insurance Information Institute recommends that you collect at least three quotes from reputable insurance companies.
Obviously, the price is an essential factor, but it’s not the only thing you should consider.
Here are just a few other questions you should ask:
- What is the financial health of the insurance provider?
- How are claims processed, and what is the claim satisfaction rating for this company?
- Is there a local agent or rep or is everything handled online or via phone?
Since Infiniti cars are considered luxury-class vehicles, you need an insurance company that can provide the type of policy you desire.
You might find, however, that some companies have more experience with this type of car.
When you start collecting quotes, make sure you’re prepared. Create a list of questions to ask the agent and bring along all the information on your vehicle, including safety features, model, make, and trim.
Find out what type of discounts each company offers, such as:
- Group Discount
- Low-mileage Discount
- Safe-driver Discount
When looking at coverage options, remember to explore the possibility of high deductibles and reduced protection on older cars, and finally, make sure you know if you’re covered while driving other people’s cars.
What You Need To Know
Infiniti is the luxury division of the Japanese car manufacturer Nissan. Infiniti has received awards from both J.D. Power (highest in customer satisfaction with dealer service among luxury brands) and AMCI (most trusted luxury brand).
The luxury car company embraces technology and is continually rolling out new features like the Around View Monitor System and Alexa-enabled voice control, and the hybrid model delivers power and efficiency.
Infiniti drivers take great pleasure in their vehicles and deserve an insurance policy that protects their investment.