How long has it been since you compared more competitive car insurance rates in Philadelphia, PA? Philadelphia buyers have lots of choices when searching for affordable Infiniti QX56 insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to find the lowest rates. There are more efficient ways to shop for car insurance so we’re going to tell you the best way to price shop coverage for your Infiniti and locate the lowest price from both online companies and Philadelphia agents.
Unthinkable but true, over 70% of consumers kept their coverage with the same car insurance company for more than four years, and nearly 40% of drivers have never compared rates to find cheaper insurance. Drivers in the U.S. could save an average of as much as $850 each year just by getting comparison quotes, but most undervalue the actual amount they would save if they switched to a more affordable policy.
Consumers need to shop coverage around before your next renewal since prices trend upward over time. Even if you got the lowest price on Infiniti QX56 insurance in Philadelphia a year ago there is a good chance you can find better rate quotes now. There is a lot of wrong information about QX56 insurance out there, but by reading this article, you’re going to learn some guaranteed methods to buy car insurance cheaper in Philadelphia.
Informed Consumers Save on Insurance
The best way to find cheaper auto insurance is to take a look at some of the elements that go into determining your premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that can earn you big savings. Many things are used when pricing auto insurance. Some of the criteria are obvious such as your driving history, although some other factors are less apparent like where you live and annual miles driven.
- Lower rates for cars with good safety ratings – Cars with high safety ratings tend to have better insurance rates. Safer cars protect occupants better and reduced instances of injuries means your insurance company pays less which can mean better rates for you. If your Infiniti QX56 scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- Small coverages can add up – There are a ton of extra add-on coverages that can waste your money on your auto insurance policy. Things like rental car reimbursement, accidental death, and membership fees may not be needed and are just wasting money. These may sound like a good investment when deciding what coverages you need, but if you have no use for them remove them from your policy.
- Drive lots and pay more – The more you drive your Infiniti each year the more you will pay for auto insurance. A lot of companies apply a rate determined by how the vehicle is used. Autos that are left in the garage cost less to insure compared to those used for work or business. An incorrectly rated QX56 can result in significantly higher rates. It’s a good idea to make sure your auto insurance declarations sheet is showing the proper vehicle usage, because it can save money.
- Improve your credit score – Having a bad credit score will be a significant factor in determining what you pay. If your credit rating can be improved, you may save money insuring your Infiniti QX56 by improving your rating. Drivers who have excellent credit scores tend to be more responsible and file fewer claims than those with worse credit.
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Gender as a rate factor – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. This data doesn’t prove that men are worse drivers. Both genders are in auto accidents at a similar rate, but guys tend to have more serious accidents. Men also tend to receive more major tickets like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
The example below illustrates the difference between Infiniti QX56 auto insurance rates for male and female drivers. The costs are based on no claims or violations, comp and collision included, $100 deductibles, single status, and no policy discounts are applied.
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Avoid tickets and save – Your driving record has a huge affect on how much you pay. Drivers with clean records pay lower auto insurance prices than people who have multiple driving citations. Just one speeding ticket may increase your cost by as much as thirty percent. People who have multiple violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to maintain a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
The chart below demonstrates how citations and accidents can increase Infiniti QX56 premium costs for different age groups. Data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
The providers in the list below can provide price quotes in Pennsylvania. If several companies are displayed, we suggest you visit as many as you can to get a more complete price comparison.
Coverage analysis
The coverage table shown below outlines different insurance prices for Infiniti QX56 models. Having a better idea how rates are determined can help customers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| QX56 2WD 4-Dr | $356 | $694 | $330 | $20 | $98 | $1,498 | $125 |
| QX56 AWD 4-Dr | $356 | $694 | $330 | $20 | $98 | $1,498 | $125 |
| Get Your Own Customized Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can change rates noticeably.
Physical damage deductibles
One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The following insurance rates can help you understand how much more rates are when you choose different policy deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| QX56 2WD 4-Dr | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| QX56 AWD 4-Dr | $356 | $694 | $330 | $20 | $98 | $1,523 | $127 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| QX56 2WD 4-Dr | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| QX56 AWD 4-Dr | $260 | $468 | $330 | $20 | $98 | $1,176 | $98 |
| Get Your Own Customized Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can impact rates noticeably.
Based on the figures above, using a $100 deductible will cost you roughly $29 more each month or $348 every year than quoting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 14 months between claims, you would probably save some money if you elect the higher deductible.
The information below demonstrates how deductible levels and can raise or lower Infiniti QX56 insurance costs for each age group. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Buying the right Infiniti vehicle insurance in Pennsylvania is an important decision
Even though it can be expensive, insurance is a good idea for several reasons.
- Just about all states have mandatory insurance requirements which means the state requires a specific level of liability insurance coverage if you drive a vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your vehicle, it’s most likely the lender will make it mandatory that you have full coverage to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your Infiniti at an extremely high rate and make you pay the higher price.
- Auto insurance preserves not only your Infiniti QX56 but also your financial assets. It will also pay for most medical and hospital costs that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying enough insurance greatly outweigh the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $700 annually so it’s recommended you shop around at every policy renewal to ensure rates are inline.
Discounts can help lower premiums on Infiniti QX56 insurance in Philadelphia
Auto insurance companies don’t always list every policy discount in a way that’s easy to find, so the following is a list of both well-publicized as well as some of the hidden car insurance savings.
- Mature Driver Discount – If you’re over the age of 55, you could receive reduced rates.
- E-sign Discounts – Some companies will discount your bill up to fifty bucks for signing up digitally online.
- Clubs and Organizations – Being a member of specific professional or occupational memberships or organizations could trigger savings on your next renewal.
- Save with More Vehicles Insured – Having several vehicles with one company can get a discount for every vehicle.
- Discount for Home Ownership – Owning your own home or condo can get you a discount since owning and maintaining a home is proof that your finances are in order.
- Accident Waiver – This one is not really a discount per se, but some companies like Progressive, State Farm and GEICO may permit one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
- Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease but check with your company.
Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, nobody gets a free ride.
The chart below illustrates the comparison of Infiniti QX56 auto insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no accidents, no driving violations, Pennsylvania 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, multi-policy, marriage, multi-car, claim-free, and homeowner discounts applied.
If you would like to view insurance companies that provide some of the discounts listed above in Philadelphia, follow this link.
Auto insurance quotes from local Philadelphia insurance agencies
A small number of people still like to get advice from a local agent and there is nothing wrong with that. Professional agents can help determine the best coverages and will help you if you have claims. One of the best bonuses of getting free rate quotes online is that you can find the lowest rates and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), your information is emailed to insurance agents in Philadelphia that provide free Philadelphia auto insurance quotes to get your business. You never need to find an agent because quoted prices will be sent directly to your email. If for some reason you want to quote rates from a specific auto insurance provider, don’t hesitate to search and find their rate quote page and give them your coverage information.
Picking an insurer should depend on more than just a cheap price. The answers to these questions are important, too.
- What company do they have the most business with?
- What is their Better Business Bureau rating?
- When do they do a full risk review?
- Do they specialize in personal lines auto insurance in Philadelphia?
- Will your rates increase after a single accident?
- Does the company use OEM repair parts?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they receive special compensation for putting your coverage with one company over another?
Multiple types of car insurance agents in Philadelphia
When narrowing the list to find a reliable insurance agent, you need to know there are two different types of agencies and how they are slightly different. Agencies in Philadelphia can be described as either independent or exclusive. Both types of agents can properly insure your vehicles, but it’s worth mentioning the subtle differences because it can impact the kind of agent you use.
Exclusive Agents
These type of agents write business for a single company such as Allstate, State Farm and Farm Bureau. Exclusive agents are unable to shop your coverage around so they have to upsell other benefits. Exclusive insurance agents receive extensive training on sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a exclusive agent partially due to the brand and the convenience of having all coverages with one company.
Shown below are Philadelphia exclusive agents that can give you comparison quotes.
- Mike Hickey – State Farm Insurance Agent
86 Bethlehem Pike – Philadelphia, PA 19118 – (215) 753-1501 – View Map - Jerry Gregory – State Farm Insurance Agent
2999 Welsh Rd – Philadelphia, PA 19152 – (215) 338-3313 – View Map - Les Moore – State Farm Insurance Agent
6750 N 5th St – Philadelphia, PA 19126 – (215) 224-4400 – View Map
Independent Agencies or Brokers
These type of agents often have many company appointments and that gives them the ability to insure amongst many companies and find the cheapest auto insurance rates. If prices rise, the agent simply finds a different carrier and you don’t have to find a new agent. If you need cheaper auto insurance rates, you absolutely need to get several quotes from at least one independent agent to have the best price comparison. They also have the ability to place coverage with companies that do not advertise much that many times have cheaper rates.
Shown below are Philadelphia independent insurance agencies willing to provide price quote information.
- Burg Insurance
2707 Kirkbride St – Philadelphia, PA 19137 – (215) 744-4100 – View Map - Juniata Ins Agency
1206 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9701 – View Map - Fabey Insurance Agency
619 E Girard Ave – Philadelphia, PA 19125 – (215) 425-7640 – View Map
Don’t assume everyone needs the same auto insurance coverage
Always remember that when buying coverage online or from an agent for your vehicles, there isn’t really a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For instance, these questions can help discover whether you would benefit from professional advice.
- Am I covered if I hit a deer?
- At what point should I drop full coverage?
- Does rental coverage apply when I am renting a car?
- Is my business laptop covered if it gets stolen from my vehicle?
- How much liability insurance is required?
- Do I need added coverage for expensive stereo equipment?
- Does my personal policy cover me when driving out-of-state?
- Is coverage enough to protect my assets?
- What is high-risk coverage and where do I buy it?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.
Compare rates regularly to save
Drivers who switch companies do it for any number of reasons including high prices, delays in responding to claim requests, extreme rates for teen drivers and high rates after DUI convictions. Whatever your reason, choosing a new insurance company is less work than it seems.
You just learned quite a bit of information on how to compare Infiniti QX56 insurance rates in Philadelphia. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even be surprised to find that the lowest priced car insurance comes from the least-expected company.
Affordable Infiniti QX56 insurance in Philadelphia can be found both online and also from your neighborhood Philadelphia agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not have price quotes online and these regional insurance providers prefer to sell through independent insurance agencies.
More detailed car insurance information can be read at these sites:
- Parking Tips to Reduce Door Dings (State Farm)
- Who Has the Cheapest Philadelphia Car Insurance for a Nissan Versa? (FAQ)
- Who Has Cheap Auto Insurance for Handicapped Drivers in Philadelphia? (FAQ)
- What is a Telematics Device? (Allstate)
- Five Mistakes to Avoid (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- A Tree Fell on Your Car: Now What? (Allstate)