If you want to save money, the best way to get low-cost Infiniti EX35 insurance is to regularly compare prices from different companies in Columbus. Price quotes can be compared by following these steps.
- Learn about the different coverages in a policy and the things you can control to prevent expensive coverage. Many rating factors that increase rates such as traffic violations and an imperfect credit score can be amended by improving your driving habits or financial responsibility.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
- Compare the new rate quotes to your existing coverage to see if a cheaper price is available in Columbus. If you find a lower rate quote and decide to switch, make sure there is no coverage gap between policies.
A good tip to remember is that you’ll want to make sure you compare identical coverage information on each quote request and and to get price estimates from as many companies as possible. This provides a fair price comparison and plenty of rates choose from.
It’s an obvious assumption that car insurance companies want to keep you from comparing prices. People who compare other prices are inclined to switch to a new company because there is a great chance of finding lower rate quotes. A recent insurance study discovered that consumers who made a habit of comparing rates saved as much as $3,400 over four years compared to other drivers who never shopped around for better prices.
If saving money on auto insurance in Columbus is your objective, then understanding the best way to shop and compare cheaper coverage can help simplify the task of finding more affordable coverage.
When price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding more affordable rates.
The companies shown below are ready to provide free rate quotes in Columbus, OH. If more than one company is shown, we recommend you compare several of them in order to find the most affordable rates.
Auto insurance is not optional in Ohio
Even though it can be expensive, auto insurance is mandatory in Ohio but it also protects more than you think.
- Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage if you don’t want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Infiniti EX35 with a loan, it’s guaranteed your bank will have a requirement that you have insurance to guarantee their interest in the vehicle. If you default on your policy, the lender may insure your Infiniti at a more expensive rate and require you to reimburse them for it.
- Auto insurance protects both your assets and your car. Insurance will also pay for medical bills incurred in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Infiniti gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. According to a recent study, the average American driver is wasting up to $865 each year so you should quote rates once a year at a minimum to make sure the price is not too high.
Data for Infiniti EX35 insurance
The data table displayed below covers different insurance coverage prices for Infiniti EX35 models. Being able to understand how insurance prices are determined can help customers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EX35 AWD | $198 | $400 | $226 | $14 | $68 | $906 | $76 |
| EX35 Journey | $198 | $400 | $226 | $14 | $68 | $906 | $76 |
| EX35 | $198 | $400 | $226 | $14 | $68 | $906 | $76 |
| EX35 AWD Journey | $220 | $400 | $226 | $14 | $68 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in Columbus location which can influence coverage prices substantially.
The chart below demonstrates how choosing different deductibles and can increase or decrease Infiniti EX35 premium costs for different categories of driver ages. The prices are based on a married male driver, full coverage, and no discounts are applied to the premium.
Male drivers versus female drivers
The illustration below illustrates the comparison of Infiniti EX35 premium costs for male and female drivers. The prices are based on no accidents, no driving violations, full physical damage coverage, $100 deductibles, single status, and no discounts are applied to the premium.
Car insurance discounts are available for cheaper rates
Car insurance is not an enjoyable expense, but there are discounts available that many consumers don’t even know exist. Certain credits will be shown at the time of purchase, but once in a while a discount must be requested specifically before you get the savings.
- Telematics Discount – Columbus drivers who agree to allow their car insurance company to analyze their driving habits remotely such as State Farm’s In-Drive could save a few bucks as long as they are good drivers.
- Senior Discount – Drivers that qualify as senior citizens can get a small discount on rates.
- Professional Memberships – Being a member of specific professional or occupational memberships or organizations can get you a small discount when getting a Columbus car insurance quote.
- Multi-Vehicle Discounts – Insuring more than one vehicle with the same car insurance company can get a discount on all vehicles.
- Own a Home and Save – Just being a homeowner can save you money because maintaining a house is proof that your finances are in order.
- Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Sign Online – Some of the larger companies will provide an incentive get Columbus car insurance on the internet.
- ABS Braking Discount – Cars and trucks equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
- Theft Deterrent – Vehicles that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a Columbus car insurance quote.
- Discount for Passive Restraints – Vehicles with factory air bags can get savings of 25 to 30%.
Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.
The example below shows the comparison of Infiniti EX35 insurance prices with and without discounts being applied to the rates. The costs are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, multi-policy, and claim-free discounts applied.
Companies who may offer some of the discounts shown above include:
If you need lower rates, check with each insurance company how many discounts you can get. All car insurance discounts may not apply in Columbus. If you would like to see a list of insurers that offer some of these discounts in Ohio, click here.
Local Columbus car insurance agents
Some people prefer to visit with an insurance agent and doing that can be a smart decision A nice benefit of getting free rate quotes online is that drivers can save money and get cheap insurance quotes but still work with a licensed agent.
After filling out this simple form, your information is transmitted to local insurance agents that can give you free Columbus car insurance quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies since rate quotes are delivered to you instantly. It’s the lowest rates without a big time investment. If you wish to get a rate quote from one company in particular, you can always find their quoting web page and give them your coverage information.
Choosing the best provider shouldn’t rely on just a cheap price. Before buying a policy in Columbus, get answers to these questions.
- Is coverage determined by price?
- Which family members are covered?
- How is replacement cost determined on your vehicle?
- Will one accident increase rates?
- Is the coverage adequate for your vehicle?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- When do they do policy reviews?
When in doubt talk to an agent
When it comes to buying a policy for your personal vehicles, there really isn’t a single plan that fits everyone. Each situation is unique.
Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.
- Is my Infiniti EX35 covered if I use it for business?
- What vehicles should carry emergency assistance coverage?
- Is my Infiniti EX35 covered for smoke damage?
- Am I covered when driving someone else’s vehicle?
- How much liability coverage do I need in Ohio?
- Does medical payments coverage apply to all occupants?
- What does PIP insurance cover?
- Does my Infiniti EX35 qualify for pleasure use?
- I have a DUI can I still get coverage?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
Compare car insurance prices regularly to save
Cheaper car insurance in Columbus can be sourced both online as well as from independent agents in Columbus, and you need to comparison shop both to have the best selection. Some insurance providers may not provide rates over the internet and these smaller providers work with independent agents.
People switch companies for any number of reasons including delays in paying claims, not issuing a premium refund, poor customer service and denial of a claim. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.
In this article, we presented a lot of techniques to compare Infiniti EX35 insurance rates in Columbus. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest rates come from a small mutual company.
Other learning opportunities
- Frontal Crash Tests (iihs.org)
- Who Has Cheap Car Insurance Quotes for Used Cars in Columbus? (FAQ)
- Who Has Affordable Auto Insurance for Teenagers in Columbus? (FAQ)
- Who Has Cheap Auto Insurance Rates for First-time Drivers in Columbus? (FAQ)
- Who Has Affordable Car Insurance Quotes for Low Income Drivers in Columbus? (FAQ)
- How Much is Columbus Auto Insurance for Drivers with a DUI? (FAQ)
- Who Has Affordable Car Insurance for Active Military in Columbus? (FAQ)
- Child Safety FAQ (iihs.org)
- Teen Driving Statistics (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)