2004 Infiniti I35 Car Insurance Cost

Finding affordable auto insurance online may be intimidating for beginners to buying insurance on the web. With a ridiculous number of companies in the marketplace, how can consumers have a chance to compare the different rates to find the lowest price?

You should take the time to compare prices quite often because insurance rates are variable and change quite frequently. If you had the lowest price for I35 insurance on your last policy you may be paying too much now. Ignore everything you know about auto insurance because we’re going to demonstrate the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Car Insurance Comparison Rates

When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. One of the best ways to find the cheapest 2004 Infiniti I35 insurance rates is to get quotes online. It is quite easy and can be accomplished in several different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form keeps you from doing repetitive form entry for each company you want a rate for. One quote request will return quotes instantly. It’s the fastest way to compare.
  2. A more difficult way to compare prices requires a visit to the website of each company to complete their respective quote request forms. For instance, let’s say you want to compare rates from Allstate, Farmers and GMAC. You would have to go to every website to enter your coverage information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples coverage limits and deductibles with every price quote. If you compare unequal deductibles or liability limits it’s impossible to make an equal comparison. Having just a slight variation in limits could mean much higher rates. And when comparing car insurance rates, know that getting more free quotes helps you find better pricing.

Factors determining your Infiniti I35 insurance premium

It’s important that you understand the rating factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Women pay lower rates – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are better drivers. Both sexes cause accidents at about the same rate, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high car insurance rates.
  • Liability coverage protects you – Liability coverage is the protection if you are found liable for damages from an accident. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Occupations such as doctors, executives and dentists have the highest average rates due to high stress levels and lots of time spent at work. Other professions such as pilots, historians and performers get better rates for I35 insurance.
  • Add-on coverages can add up – There are a lot of extra coverages that you can buy if you aren’t careful. Coverages like personal injury protection, towing coverage and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so get rid of them and save.
  • Where do you drive? – The more you drive every year the higher your rate. Most companies rate vehicles based on their usage. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your car insurance policy is showing the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your I35 can cost quite a bit.
  • More people means more accidents – Residing in small towns and rural areas can be a good thing when insuring your vehicles. Fewer people means reduced accidents and a lower car theft rate. City drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times means higher likelihood of an accident.

Discounts on Infiniti I35 insurance

Companies do not list every available discount very well, so we break down some of the more common and the more hidden discounts you could be receiving.

  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Save with a New Car – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Distant Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break on your policy for I35 insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Drivers Education – Require your teen driver to take driver’s ed class if it’s offered in school.

Keep in mind that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. So when it seems like you can get free auto insurance, insurance companies aren’t that generous.

A partial list of companies who might offer these discounts include:

Double check with every prospective company which discounts they offer. Some discounts might not be offered in your state.

Tailor your coverage to you

When buying coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • How can I force my company to pay a claim?
  • What are the best liability limits?
  • Exactly who is provided coverage by my policy?
  • Is a fancy paint job covered?
  • How do I insure my teen driver?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Parts of your insurance policy

Learning about specific coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, theft, damage from flooding, a broken windshield and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.


This coverage will cover damages or injuries you inflict on other’s property or people. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, funeral expenses, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, crashing into a ditch, damaging your car on a curb, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for rehabilitation expenses, funeral costs, prosthetic devices and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Shop. Compare. Save.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. Too many times, consumers will sacrifice collision coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

We just showed you many ideas to lower your 2004 Infiniti I35 insurance rates. The key thing to remember is the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest rates come from the smaller companies.

People switch companies for a variety of reasons including lack of trust in their agent, unfair underwriting practices, not issuing a premium refund and policy cancellation. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.

More detailed auto insurance information is available by following these links: