Affordable Infiniti EX35 Insurance in Raleigh

Insurance quote for Infiniti EX35 in RaleighSearching for low-cost insurance for an Infiniti EX35 in North Carolina can normally be a painful process, but you can use a few tricks to find lower rates.

There is a better way to find car insurance online so we’re going to tell you the absolute fastest way to compare rates for a new or used Infiniti and get the lowest possible price from Raleigh insurance agents and online providers.

It’s smart to price shop coverage on a regular basis because insurance prices are usually higher with each renewal. Even if you think you had the best deal on Infiniti EX35 insurance in Raleigh a few years ago there may be better deals available now. There is a lot of bad information regarding EX35 insurance online, but we’re going to give you some excellent ideas to buy car insurance cheaper in Raleigh.

Informed Drivers Can Lower Insurance Rates

Lots of factors are part of the calculation when quoting car insurance. Some factors are common sense like an MVR report, although others are more transparent such as whether you are married or your financial responsibility.

The items below are some of the most rate-impacting factors used by your company to calculate prices.

Frequent claims will cost you more – Auto insurance companies in North Carolina award most affordable rates to people that do not abuse their auto insurance. If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.

Lower mileage equals lower premium – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that are left in the garage can be on a lower rate level than cars that get driven a lot. Double check that your vehicle rating reflects the right rating data. An improperly rated EX35 can cost quite a bit.

Are women or men drivers cheaper? – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Females and males have accidents in similar percentages, but guys tend to have more serious accidents. Men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers have the highest risk to insure and therefore are the most expensive to insure.

The chart below shows the comparison of Infiniti EX35 insurance premiums for male and female drivers. The premium estimates are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Older drivers pay less – Drivers with little experience are known to get distracted easily when driving so they pay higher car insurance rates. Older drivers are shown to be more cautious, tend to cause fewer accidents, and usually have better credit.

The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

The companies in the list below offer price quotes in North Carolina. To find cheap auto insurance in NC, we suggest you visit as many as you can in order to find the lowest rates.

Rates and information analytics

The information shown next covers different insurance costs for Infiniti EX35 models. Being able to understand how insurance prices are figured is important for making smart choices when choosing a car insurance company.


Infiniti EX35 Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $122 $254 $256 $16 $76 $724 $60
EX35 Journey $122 $254 $256 $16 $76 $724 $60
EX35 $122 $254 $256 $16 $76 $724 $60
EX35 AWD Journey $136 $254 $256 $16 $76 $738 $62
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in specific Raleigh garaging location which can change premium rates noticeably.

Policy deductibles

One common question asked by Raleigh drivers is at what level do you set your deductibles. The comparisons below can help show how much more you’ll pay of buying low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.


Infiniti EX35 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $242 $524 $250 $14 $74 $1,129 $94
EX35 Journey $242 $524 $250 $14 $74 $1,129 $94
EX35 $242 $524 $250 $14 $74 $1,129 $94
EX35 AWD Journey $270 $524 $250 $14 $74 $1,157 $96
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Infiniti EX35 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $134 $276 $250 $14 $74 $748 $62
EX35 Journey $134 $276 $250 $14 $74 $748 $62
EX35 $134 $276 $250 $14 $74 $748 $62
EX35 AWD Journey $150 $276 $250 $14 $74 $764 $64
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in vehicle location which can raise or lower insurance rates noticeably.

We can derive from the above data that using a $100 deductible would cost the average driver about $32 more each month or $384 for a full year averaged for all EX35 models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 28 months between claims, you would probably be better off if you opt for a higher deductible. Here is an example of how this determination is made.

Average monthly premium for $100 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): – $63
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One big caveat is that increasing deductibles to save money results in more money out-of-pocket when you file a claim. You should have a higher level of savings in the event you need to pay more for the deductible.

It may be expensive, but it’s not optional

Even though it’s not necessarily cheap to insure an Infiniti in Raleigh, auto insurance is a good idea for several reasons.

The benefits of buying enough insurance are without a doubt worth the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays more than $810 a year so we recommend shopping around at every renewal to ensure rates are inline.

Car insurance rates and discounts

Some companies don’t list all discounts in a way that’s easy to find, so the following is a list of some of the more common and the more hidden savings tricks you should be using when you buy Raleigh auto insurance online.Cheaper car insurance with discounts

As a sidenote, most discount credits are not given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.

The example below illustrates the comparison of Infiniti EX35 yearly insurance costs with and without discounts applied to the premium. The prices are based on a male driver, a clean driving record, no claims, North Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, homeowner, safe-driver, and multi-car discounts applied.

If you would like to choose from a list of insurance companies that offer many of these discounts in Raleigh, click this link.

Auto insurance quotes from local Raleigh insurance agents

Many people would rather go talk to an agent and that can be a smart move Most agents can help you choose the best coverages and help in the event of a claim. The biggest benefit of price shopping on the web is the fact that you can find lower rates and also buy local. And supporting neighborhood agents is definitely important in Raleigh.

Insurance agency in RaleighTo help locate an agent, after submitting this form (opens in new window), the quote information is transmitted to participating agents in Raleigh that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to leave your house due to the fact that quote results will go directly to your email. If you need to compare prices for a specific company, don’t hesitate to search and find their rate quote page and give them your coverage information.

Finding a good provider is decision based upon more than just a low price. Get answers to these questions too.

Don’t assume everyone needs the same car insurance coverage

When it comes to adequate coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.Higher deductibles save money

Here are some questions about coverages that can help discover whether you will benefit from professional help.

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

You can find affordable coverage

Drivers switch companies for many reasons like denial of a claim, an unsatisfactory settlement offer, lack of trust in their agent or even delays in responding to claim requests. Regardless of your reason for switching companies, finding a new company can be easier than you think.

Cost effective Infiniti EX35 insurance is definitely available both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not offer online rate quotes and these small insurance companies prefer to sell through local independent agents.

When searching for cheaper Raleigh auto insurance quotes, never sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

Steps to buying cheaper Infiniti EX35 insurance in Raleigh

If saving money is your primary concern, then the best way to find affordable auto insurance rates in Raleigh is to regularly compare price quotes from different companies in North Carolina. Rates can be compared by following these steps.

  1. Gain an understanding of auto insurance and the factors you can control to keep rates in check. Many things that increase rates such as speeding tickets, careless driving and a poor credit rating can be remedied by making minor changes to your lifestyle.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can provide prices for a wide range of companies.
  3. Compare the price quotes to your current policy to see if you can save by switching companies. If you find a lower rate quote and make a switch, make sure coverage is continuous and does not lapse.

An important note is to compare identical coverage information on each price quote and and to get price estimates from as many different insurance providers as possible. This guarantees the most accurate price comparison and the best price selection.

More detailed car insurance information can be read by following these links: