Save Money on Infiniti EX35 Insurance in Henderson

Insurance for Infiniti EX35The recommended way to find the cheapest price for auto insurance rates is to make a habit of comparing prices annually from insurers who sell insurance in Henderson. You can compare rates by following these guidelines.

First, try to comprehend how companies price auto insurance and the factors you can control to prevent expensive coverage. Many policy risk factors that result in higher prices like tickets, at-fault accidents, and an unacceptable credit rating can be controlled by making minor changes in your lifestyle.

Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agencies can give you price quotes for many different companies.

Third, compare the quotes to your existing policy to see if a cheaper price is available. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.

The key thing to know about shopping around is to use the same coverage limits and deductibles on each price quote and and to get price quotes from as many carriers as you can. Doing this ensures the most accurate price comparison and a complete selection of prices.

Unbelievable but true according to a study about 70% of customers kept buying from the same company for four years or more, and practically 40% of car insurance customers have never compared quotes from other companies. Consumers in Nevada could save an average of 35% each year by just comparing quotes, but most just don’t grasp how much money they would save if they switch to a new company.

Car insurance statistics for an Infiniti EX35

The rate table shown below outlines estimates of policy rates for Infiniti EX35 models. Understanding more about how premiums are established helps drivers make decisions on the best policy to buy.


Infiniti EX35 Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $206 $452 $290 $18 $86 $1,052 $88
EX35 Journey $206 $452 $290 $18 $86 $1,052 $88
EX35 $206 $452 $290 $18 $86 $1,052 $88
EX35 AWD Journey $230 $452 $290 $18 $86 $1,076 $90
Get Your Own Custom Quote Go

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in specific garaging location which can lower or raise price quotes considerably.

Deductible analysis

A question often asked by Henderson drivers is where to set your physical damage deductibles. The premium rates below help summarize the price difference when you buy lower versus higher insurance deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.


Infiniti EX35 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $300 $650 $308 $18 $92 $1,393 $116
EX35 Journey $300 $650 $308 $18 $92 $1,393 $116
EX35 $300 $650 $308 $18 $92 $1,393 $116
EX35 AWD Journey $334 $650 $308 $18 $92 $1,427 $119
Get Your Own Custom Quote Go

Infiniti EX35 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $166 $342 $308 $18 $92 $926 $77
EX35 Journey $166 $342 $308 $18 $92 $926 $77
EX35 $166 $342 $308 $18 $92 $926 $77
EX35 AWD Journey $184 $342 $308 $18 $92 $944 $79
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific zip code location which can lower or raise coverage rates greatly.

Based on this data, using a $100 deductible costs about $39 more each month or $468 a year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 23 months between claims, you would probably come out ahead if you decide on a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $117
Average monthly premium for $1,000 deductibles (subtract): – $78
Monthly savings from raising deductible: $39
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $39
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important issue to know is that a higher deductible level means you will have to pay more when you have a physical damage claim. You will want to have enough money in the bank in order to pay the higher deductible.

The diagram below shows how different deductible levels and can increase or decrease Infiniti EX35 insurance costs for each different age group. Data assumes a single male driver, comp and collision included, and no discounts are applied.

Infiniti EX35 full coverage rates compared to liability only

The diagram below visualizes the comparison of Infiniti EX35 car insurance costs with liability coverage only compared to full coverage. The premiums assume no accidents, no driving violations, $500 deductibles, single marital status, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no definitive rule that is best for determining when to drop physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s assume your Infiniti EX35 settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after paying your policy deductible. If premium cost is more than $400 a year to have full coverage, then it may be the right time to buy liability only.

There are a few situations where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Companies offer many types of discounts on Infiniti EX35 insurance in Henderson

Some providers do not advertise all discounts very well, so the below list has a few of the more well known and the harder-to-find credits that you can use to lower your rates.Save money with discounts

As a sidenote, most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, you’re out of luck.

The information below shows the difference between Infiniti EX35 auto insurance rates with and without discounts applied to the policy rates. The price estimates are based on a male driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, claim-free, multi-policy, and homeowner discounts applied.

A list of companies and their possible discounts can be read below.

When quoting, ask every company to apply every possible discount. A few discounts may not be offered in Henderson. If you would like to view auto insurance companies who offer cheap Infiniti EX35 insurance quotes in Henderson, click here.

Auto insurance coverages

Understanding the coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Nevada drivers only purchase the least amount of liability that is required (15/30/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are similar to your liability insurance amounts.

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, hail damage, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision insurance will pay to fix damage to your EX35 caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, backing into a parked car, colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible on your EX35 to save money on collision insurance.

Medical expense coverage – Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, funeral costs, rehabilitation expenses, dental work and ambulance fees. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability auto insurance – This protects you from damage that occurs to other people or property. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/10 which stand for $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as legal defense fees, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible. Nevada state minimum liability requirements are 15/30/10 but you should consider buying more liability than the minimum.

The chart below shows why low liability limits may not be enough coverage.

Best auto insurance company in Nevada

Picking a good quality auto insurance company can be rather challenging considering how many companies there are in Henderson. The company ratings in the lists below may help you select which auto insurers to look at when shopping your coverage around.

Top 10 Henderson Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. Nationwide – 90%
  5. State Farm – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. 21st Century – 88%
  9. Liberty Mutual – 88%
  10. Allstate – 88%

More comparisons equals cheaper rates

You just learned some good ideas how you can reduce Infiniti EX35 insurance rates online in Henderson. The key thing to remember is the more times you quote, the better likelihood of getting cheaper Henderson car insurance quotes. Drivers may even discover the most savings is with some of the lesser-known companies.

When you buy Henderson car insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Lower-priced Infiniti EX35 insurance in Henderson can be found both online in addition to many Henderson insurance agents, so you need to quote Henderson car insurance with both to have the best chance of lowering rates. Some insurance companies do not offer online rate quotes and usually these small insurance companies provide coverage only through independent insurance agents.

Even more information is available at these sites: