If price shopping Louisville car insurance quotes online is new to you, there’s a good chance you are confused by the large number of online auto insurance companies and websites all claiming to have the lowest rates for Infiniti EX35 insurance in Louisville.
We don’t have to point out that fact that insurance companies don’t want policyholders to shop around. Consumers who shop around for cheaper rates will most likely switch companies because there is a good chance of finding a lower-priced policy. A recent survey revealed that consumers who compared prices once a year saved approximately $3,500 over four years compared to those who never shopped for cheaper rates.
If finding budget-friendly rates on Infiniti EX35 insurance is why you’re reading this, learning how to get rate quotes and compare car insurance can save money and time.
You need to price shop coverage occasionally since insurance rates change quite often. Just because you had the best premium rates on Infiniti EX35 insurance in Louisville at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use online quotes to find better coverage on Infiniti EX35 insurance in Louisville at a better price.
Best companies for Infiniti EX35 insurance
The companies shown below can provide free quotes in Louisville, KY. If you wish to find the best cheap auto insurance in Kentucky, we recommend you click on several of them in order to get a fair rate comparison.
Analysis of Infiniti EX35 rates
The price information shown next highlights estimates of policy rates for Infiniti EX35 models. Having knowledge of how policy rates are formulated can help customers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EX35 AWD | $308 | $674 | $334 | $20 | $100 | $1,436 | $120 |
| EX35 Journey | $308 | $674 | $334 | $20 | $100 | $1,436 | $120 |
| EX35 | $308 | $674 | $334 | $20 | $100 | $1,436 | $120 |
| EX35 AWD Journey | $342 | $674 | $334 | $20 | $100 | $1,470 | $123 |
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle garaging location which can affect rates significantly.
Choosing deductibles
One frequently asked question is which comprehensive and collision deductibles to buy. The premium rates below can help you understand the price difference between high and low comp and collision deductibles. The first data table uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EX35 AWD | $318 | $688 | $326 | $20 | $98 | $1,475 | $123 |
| EX35 Journey | $318 | $688 | $326 | $20 | $98 | $1,475 | $123 |
| EX35 | $318 | $688 | $326 | $20 | $98 | $1,475 | $123 |
| EX35 AWD Journey | $354 | $688 | $326 | $20 | $98 | $1,511 | $126 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EX35 AWD | $232 | $466 | $326 | $20 | $98 | $1,142 | $95 |
| EX35 Journey | $232 | $466 | $326 | $20 | $98 | $1,142 | $95 |
| EX35 | $232 | $466 | $326 | $20 | $98 | $1,142 | $95 |
| EX35 AWD Journey | $258 | $466 | $326 | $20 | $98 | $1,168 | $97 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Estimates do not factor in Louisville location which can increase or decrease insurance rates significantly.
Based on these figures, using a $100 deductible costs approximately $28 more each month or $336 annually averaged for all EX35 models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 14 months between claims, you would most likely save money by going with a higher deductible.
The information below illustrates how choosing a deductible and can raise or lower Infiniti EX35 annual premium costs for each age group. The premiums are based on a married male driver, full physical damage coverage, and no discounts are factored in.
Rate increases following a ticket or accident
The illustration below demonstrates how citations and at-fault collisions raise Infiniti EX35 insurance costs for each age group. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
Infiniti EX35 liability rates compared to full coverage
The information below shows the difference between Infiniti EX35 auto insurance costs with liability coverage only compared to full coverage. The rate quotes are based on no claims or driving citations, $250 deductibles, marital status is single, and no discounts are applied.
Guidelines for dropping full coverage
There is no exact rule of when to eliminate physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Infiniti EX35 claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your policy deductible. If you are paying more than $200 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where only buying liability is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Get cheaper Infiniti EX35 insurance in Louisville with discounts
Car insurance is not inexpensive, but you may be missing some discounts that you may not even be aware of. A few discounts will automatically apply when you get a quote, but some discounts are required to be specifically requested in order for you to get them.
- Drivers Education – Require your teen driver to take driver’s ed class in high school.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to fasten their seat belts could cut 10% or more off PIP or medical payments premium.
- Sign Online – Some of the larger companies will give a small break for buying your policy on their website.
- Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
- Active Military Service – Being deployed in the military may lower your rates slightly.
- Good Driver Discounts – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
- Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of more than 20%.
While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.
The illustration below shows the comparison of Infiniti EX35 auto insurance rates with and without discounts applied to the policy premium. Data assumes a female driver, no driving violations, no at-fault accidents, Kentucky state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, multi-policy, claim-free, and safe-driver discounts applied.
A list of car insurance companies and some of the premium reductions they offer are shown below.
- American Family has savings for good student, accident-free, TimeAway discount, multi-vehicle, and defensive driver.
- State Farm policyholders can earn discounts including anti-theft, multiple autos, student away at school, passive restraint, good student, Steer Clear safe driver discount, and driver’s education.
- 21st Century discounts include driver training, defensive driver, theft prevention, anti-lock brakes, automatic seat belts, student driver, and homeowners.
- Travelers offers discounts including hybrid/electric vehicle, multi-car, good student, new car, multi-policy, and early quote.
- GEICO offers premium reductions for seat belt use, defensive driver, multi-policy, federal employee, anti-lock brakes, and membership and employees.
Before buying, ask each company or agent which discounts they offer. Some of the discounts discussed earlier may not apply to policies in your state.
Informed Drivers Save More
Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for auto insurance. When you understand what impacts premium levels, this helps enable you to make changes that could result in lower rates. Many different elements are used when pricing auto insurance. Some are obvious such as your driving record, but other criteria are less apparent such as whether you are married and annual miles driven.
The factors shown below are some of the things companies use to determine your rate level.
Credit rating impacts rates – Having a bad credit rating can be a huge factor in calculating your premium rate. People that have very high credit ratings tend to file fewer claims and have better driving records than drivers with worse credit. So if your credit can be improved, you could be paying less to insure your Infiniti EX35 by spending a little time repairing your credit.
Demanding vocation may mean higher prices – Did you know your job can affect your rates? Jobs like fire fighters, social workers, and dentists tend to have higher premiums than the average policyholder in part from intense work requirements and lots of time spent at work. On the other hand, occupations such as actors, students and homemakers get better rates.
The more you drive the more you pay – The more you drive your Infiniti each year the more it will cost to insure it. A lot of companies charge rates based on how the vehicle is used. Cars and trucks that are left in the garage receive better premium rates than vehicles that are driven to work every day. Make sure your policy properly reflects the correct usage. Having the wrong rating on your EX35 may be costing you higher rates.
Marriage is a factor – Walking down the aisle can actually save you money on your auto insurance policy. Having a significant other demonstrates that you tend to be more mature and responsible it has been statistically shown that drivers who are married file infrequent claims.
Drive a fast car and pay more – The performance level of the car, truck or SUV you are buying insurance for makes a big difference in your car insurance bill. The lowest performance passenger cars usually are quite affordable to insure, but the final cost of insurance is determined by many other factors.
The following data assumes a single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares Infiniti EX35 insurance rates compared to other models that have a range of performance rating factors.
Women tend to cost less – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that women are better drivers. Both sexes get in accidents in similar percentages, but the males have accidents that have higher claims. Men also statistically receive more costly citations such as reckless driving.
The diagram below illustrates the difference between Infiniti EX35 annual premium costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.
There’s no such thing as the perfect insurance policy
When buying your policy for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that.
These are some specific questions could help you determine whether you would benefit from an agent’s advice.
- How can I get my company to pay me more for my totaled car?
- Is my trailer covered?
- Which is better, split liability limits or combined limits?
- Does my policy cover me if I wreck while driving under the influence?
- Is a blown tire covered by insurance?
- Is my teenager covered with friends in the car?
- What is PIP insurance?
If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.
Shop online but buy locally
Certain consumers would prefer to have an agent’s advice and there is nothing wrong with that. One of the great benefits of getting online price quotes is you can get better rates and still choose a local agent. Supporting local agents is important particularly in Louisville.
Upon completion of this short form, the coverage information is instantly submitted to agents in your area who will give you quotes for your business. There is no need to leave your house due to the fact that quote results will go instantly to you. You can get cheaper auto insurance rates without the usual hassles of price shopping. If you need to compare prices for a specific company, don’t hesitate to visit that company’s website and submit a quote form there.
When finding a good insurance agency, it’s important to understand the different types of agencies to choose from. Insurance agencies in Louisville are classified as either exclusive or independent.
Independent Agents
Agents that choose to be independent are normally appointed by many insurers so they can write business through many different auto insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.
When comparing rates, we highly recommend that you contact at least one independent agent to ensure the widest selection of prices. Many can place coverage with companies you’ve never heard of that many times have cheaper rates.
The following are Louisville independent agencies that may be able to provide free auto insurance rate quotes.
- Linda B Morton Insurance Agency
4600 Outer Loop – Louisville, KY 40219 – (502) 966-5637 – View Map - Logan, Stanley – Logan Lavelle Hunt Insurance
11420 Bluegrass Pkwy – Louisville, KY 40299 – (502) 499-6880 – View Map - Family Select Insurance
6409 Dutchmans Pkwy – Louisville, KY 40205 – (502) 454-7283 – View Map
Exclusive Insurance Agents
Exclusive agents are contracted to one company such as Allstate, State Farm and Farm Bureau. These agents are unable to place coverage with different providers so always compare other rates. These agents receive extensive training on their products and sales techniques and that enables them to sell even at higher rates. A lot of people buy from the same agent for years mainly due to loyalty to the company and the convenience of having all coverages with one company.
The following is a short list of exclusive agents in Louisville willing to provide rate quotes.
- Sam Wheeler – State Farm Insurance Agent
2902 Bardstown Rd – Louisville, KY 40205 – (502) 459-9700 – View Map - Dick Newton – State Farm Insurance Agent
3110 Taylorsville Rd – Louisville, KY 40205 – (502) 458-9543 – View Map - Brian Morrison – State Farm Insurance Agent
104 Ridgeway Ave – Louisville, KY 40207 – (502) 895-2955 – View Map
Selecting an insurance agency is decision based upon more than just the quoted price. Any agent in Louisville should be willing to answer these questions.
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are there any extra charges for paying monthly?
- What insurance companies do they recommend if they are an independent agent?
- If you have an accident, will your rates go up?
- What are the financial ratings for the companies they represent?
- Who is covered by the car insurance policy?
How to find a good Kentucky car insurance company
Insuring your vehicle with the right car insurance provider is hard considering how many choices drivers have in Kentucky. The rank data listed below can help you pick which auto insurance companies you want to consider purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Frequent quotes can save
As you quote Louisville car insurance, you should never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability coverage limits only to discover later they didn’t have enough coverage. The aim is to buy enough coverage at the best cost while still protecting your assets.
Some companies do not offer the ability to get quotes online and many times these regional insurance providers work with independent agents. More affordable car insurance in Louisville is definitely available from both online companies and from local insurance agents, so you should compare both to have the best selection.
Steps to buying cheaper Infiniti EX35 insurance in Louisville
The easiest way to get cheaper Infiniti EX35 insurance is to regularly compare quotes from providers who sell insurance in Louisville.
- First, try to comprehend auto insurance and the things you can control to prevent expensive coverage. Many factors that cause high rates such as speeding tickets, accidents and an imperfect credit history can be controlled by making small lifestyle or driving habit changes.
- Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while agents who are independent can quote prices for a wide range of insurance providers. Start a quote
- Third, compare the new rate quotes to the price on your current policy to see if cheaper EX35 coverage is available. If you find a better price, verify that coverage does not lapse between policies.
- Fourth, notify your current company of your decision to cancel your existing policy. Submit payment along with a signed and completed policy application for your new policy. When you receive it, place your new certificate verifying proof of insurance along with your vehicle registration.
One piece of advice is to compare similar coverage information on each price quote and and to compare as many companies as you can. This enables a fair price comparison and and a good selection of different prices.
More information is located below:
- Booster Seat Ratings (iihs.org)
- How Much is Louisville Car Insurance for Good Students? (FAQ)
- Who Has Cheap Car Insurance for a Hyundai Sonata in Louisville? (FAQ)
- How Much are Auto Insurance Rates for Ride Shares in Louisville? (FAQ)
- How Much are Auto Insurance Quotes for a Chevrolet Equinox in Louisville? (FAQ)
- Who Has Affordable Louisville Car Insurance for Uber Drivers? (FAQ)
- How Much is Car Insurance for Low Mileage Drivers in Louisville? (FAQ)
- Determining Auto Insurance Rates (GEICO)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)