It’s well known that auto insurance companies want to keep you from comparing rates. People who do rate comparisons are highly likely to move their business because there is a good chance of finding a lower-priced policy. A recent survey found that consumers who made a habit of comparing rates saved approximately $865 annually compared to drivers who never shopped for cheaper rates.
If finding the lowest price on Infiniti FX50 insurance in Tucson is the reason you’re reading this, then having some insight into the best way to shop and compare auto insurance can make the process more efficient.
If saving the most money is your goal, then the best way to find cheaper Infiniti FX50 insurance is to compare prices at least once a year from insurers that insure vehicles in Tucson. You can compare prices by following these steps.
Step 1: Get an understanding of the coverage provided by your policy and the steps you can take to prevent expensive coverage. Many rating criteria that cause high rates such as traffic citations and a less-than-favorable credit score can be eliminated by paying attention to minor details. This article gives additional tips to help reduce prices and find overlooked discounts.
Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple sources.
Step 3: Compare the price quotes to your current policy and determine if there is any savings. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Notify your agent or company of your decision to cancel the current policy. Submit payment and a completed application to the new insurer. As soon as you have the new policy, place the new certificate verifying coverage along with the vehicle’s registration papers.
The most important part of shopping around is that you use the same level of coverage on each quote request and and to compare every company you can. Doing this helps ensure a level playing field and a thorough price selection.
How to shop Infiniti FX50 insurance online
All the larger car insurance companies provide price estimates on the web. Getting Infiniti FX50 insurance prices online is easy for anyone as you just enter your coverage information on the page. After you complete the form, the system will order your driving record and credit report and returns a price based on these and other factors.
The ability to get online rate quotes for Infiniti FX50 insurance in Tucson makes it simple to compare prices and it is important to do this if you want to get the best possible rates on car insurance.
To save time and get comparison pricing now, compare rates now from the companies shown below. If you have coverage now, it’s recommended you type in the insurance coverages as close as possible to your current policy. Doing this assures you are getting an apples-to-apples comparison for exact coverage.
The auto insurance companies shown below have been selected to offer price comparisons in Tucson, AZ. If multiple companies are listed, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Why you need insurance
Despite the high cost of buying insurance for a Infiniti FX50 in Tucson, insurance serves an important purpose.
- Almost all states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance coverage if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Infiniti FX50, more than likely the lender will have a requirement that you buy insurance to guarantee their interest in the vehicle. If you default on your policy, the bank will be required to insure your Infiniti for a lot more money and force you to reimburse them much more than you were paying before.
- Insurance protects both your Infiniti FX50 and your assets. Insurance will pay for medical bills for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. Despite what companies tell you, the average driver is wasting up to $700 annually so you should quote and compare rates each time the policy renews to save money.
Rates and statistics
The information shown below outlines detailed analysis of prices for Infiniti FX50 models. Having a good grasp of how insurance rates are established helps drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX50 AWD 4-Dr | $276 | $594 | $282 | $16 | $84 | $1,252 | $104 |
| FX50 Sport AWD 4-Dr | $300 | $662 | $282 | $16 | $84 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific location which can increase or decrease insurance rates considerably.
Can higher deductibles save money?
One frequently asked question is how high should the physical damage coverage deductibles be. The following insurance rates sum up the rate fluctuation when you buy lower versus higher insurance deductibles. The first pricing table uses a $250 deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX50 AWD 4-Dr | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| FX50 Sport AWD 4-Dr | $350 | $668 | $300 | $18 | $90 | $1,451 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX50 AWD 4-Dr | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| FX50 Sport AWD 4-Dr | $216 | $420 | $300 | $18 | $90 | $1,044 | $87 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in your specific Tucson location which can affect prices significantly.
Based on the data above, we can derive that using a $250 deductible would cost the average driver about $32 more each month or $384 annually across all Infiniti FX50 models than quoting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 23 months between claims, you would probably come out ahead by going with a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $250 deductibles: | $117 |
| Average monthly premium for $1,000 deductibles (subtract): | – $85 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
An important sidenote is that higher deductibles results in a higher out-of-pocket expense when you have a claim. You need to make sure you have enough extra savings in the event you need to pay the higher deductible in order to repair your vehicle.
The chart below illustrates how choosing a deductible and can raise or lower Infiniti FX50 premium costs for different categories of driver ages. The prices are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Bad driving habits will cost you more
The illustration below demonstrates how speeding tickets and accident claims can impact Infiniti FX50 annual premium costs for different age groups. The prices are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
Cheap Tucson car insurance rates with discounts
The cost of insuring your cars can be expensive, but you might be missing out on some discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but occasionally some discounts must be manually applied before they will apply.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.
- Telematics Data – Drivers who elect to allow their insurance company to spy on driving patterns by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they show good driving skills.
- Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less as compared to drivers with claims.
- Discount for Low Mileage – Low annual miles can earn better rates on cars that stay parked.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and will qualify for a discount on a Tucson car insurance quote.
- Memberships – Joining specific professional or occupational memberships or organizations may earn a discount when getting a Tucson car insurance quote.
- E-sign Discounts – A handful of insurance companies may give you up to $50 just for signing your application on the internet.
- Multiple Cars – Purchasing coverage when you have primary and secondary vehicles with one company can get a discount for every vehicle.
Discounts save money, but please remember that most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.
The information below compares Infiniti FX50 auto insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, homeowner, and claim-free discounts applied.
Some companies that may offer some of the above discounts include:
If you want affordable Infiniti FX50 insurance quotes, ask each company or agent what discounts are available to you. Savings may not be available in Tucson.
Do I need an agent?
Many people prefer to visit with an insurance agent and that is not a bad decision One of the great benefits of price shopping on the web is you may find cheap auto insurance rates and still have a local agent.
After filling out this short form, your coverage information is sent to local insurance agents in Tucson who will give you quotes to get your business. You won’t need to find an agent because prices are sent immediately to you. Get lower rates and work with a local agent. In the event you want to compare prices from a specific company, you can always navigate to their website and fill out the quote form the provide.
Picking the best company is decision based upon more than just the bottom line cost. Any good agent in Tucson should know the answers to these questions.
- Has the agent ever had any license suspensions?
- Can you contact them at any time?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Where would glass claims be handled in Tucson?
- Do they have a Better Business Bureau rating in Tucson?
If you prefer to buy auto insurance from a good Tucson insurance agent, you should know the types of insurance agents and how they are distinctly different. Auto insurance agencies can be described as either exclusive agents or independent agents.
Exclusive Insurance Agents
These type of agents can only place business with one company such as Allstate, State Farm and Farm Bureau. They usually cannot compare rates from other companies so they have no alternatives for high prices. These agents are trained well on their company’s products which helps them sell on service rather than price. Many people use the same exclusive agent partially due to the brand and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agents in Tucson that are able to give comparison quotes.
- American Family Insurance – Juan M. Salazar Jr
1100 E Ajo Way Ste 210 – Tucson, AZ 85713 – (520) 792-2100 – View Map - Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd B – Tucson, AZ 85715 – (520) 885-2321 – View Map - Rick McGee – State Farm Insurance Agent
7630 N la Cholla Blvd – Tucson, AZ 85741 – (520) 529-4676 – View Map
Independent Agents (or Brokers)
Independent agencies do not work for one specific company so they have the ability to put coverage with many different companies depending on which coverage is best. If prices rise, your agent can switch companies and you won’t have to switch agencies. When comparing auto insurance prices, you absolutely need to include price quotes from a few independent agents in order to have the best price comparison. Most also have access to companies that do not advertise much that many times have cheaper rates.
Below are Tucson independent insurance agencies who can help you get comparison quotes.
- Pacific International Insurance, LLC
2193 N Camino Principal – Tucson, AZ 85715 – (520) 886-3066 – View Map - Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886 – View Map - The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map
How to know if you need help
When it comes to coverage online or from an agent for your vehicles, there is no one size fits all plan. Every situation is different and your policy should reflect that.
For example, these questions may help you determine if you would benefit from an agent’s advice.
- Can I use my car for my catering business?
- What is covered by UM/UIM coverage?
- Am I covered when driving in Canada or Mexico?
- How much can I save by bundling my policies?
- Do I need medical payments coverage since I have good health insurance?
- What is UM/UIM insurance?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Auto insurance companies ranked
Insuring your vehicle with the highest-rated insurer can be challenging considering how many choices there are in Arizona. The company ratings below could help you choose which car insurance providers you want to consider putting your business with.
Top 10 Tucson Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Tucson Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
What auto insurance coverages do you need?
Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.
Auto liability – Liability coverage will cover damage or injury you incur to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 15/30/10 which means $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property.
Liability insurance covers things like pain and suffering, attorney fees, court costs, bail bonds and loss of income. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing higher limits.
The illustration below shows why low liability limits may not be adequate.
Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses for things like chiropractic care, prosthetic devices, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Comprehensive or Other Than Collision – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like rock chips in glass, vandalism, fire damage and a tree branch falling on your vehicle. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
UM/UIM Coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Infiniti FX50.
Since a lot of drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like sustaining damage from a pot hole, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your FX50 to get cheaper collision coverage.
Cheap insurance premiums are out there
Cheap Infiniti FX50 insurance in Tucson is available both online as well as from independent agents in Tucson, so you need to shop Tucson car insurance with both to have the best selection. A few companies don’t offer price quotes online and usually these smaller providers prefer to sell through local independent agents.
You just read a lot of tips how to lower your Infiniti FX50 insurance rates in Tucson. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the lowest priced insurance comes from a smaller regional carrier. They may have significantly lower car insurance rates on certain market segments compared to the large companies like State Farm and Allstate.
As you restructure your insurance plan, do not reduce needed coverages to save money. In many instances, someone sacrificed liability limits or collision coverage and learned later that it was a big error on their part. The ultimate goal is to buy enough coverage at the best possible price while not skimping on critical coverages.
More tips and info about insurance is located in these articles:
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Veterans in Tucson? (FAQ)
- Winter Driving (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)