A recent NerdWallet.com study revealed that the vast majority of auto insurance customers have stayed with the same insurance company for four years or more, and nearly the majority have never compared quotes from other companies. Drivers in Maryland could save themselves as much as 55% a year, but they just feel it’s too hard to shop their coverage around.
The most effective way to get affordable Infiniti EX35 insurance is to start comparing prices yearly from insurance carriers who provide auto insurance in Baltimore.
- Get an understanding of the coverage provided by your policy and the measures you can control to prevent expensive coverage. Many factors that are responsible for high rates like traffic violations and your credit history can be improved by improving your driving habits or financial responsibility.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple insurance companies. Select a company
- Compare the price quotes to your current policy premium to determine if you can save on EX35 insurance in Baltimore. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current agent or company to cancel your current coverage and submit a completed application and payment to the newly selected company. Be sure to place your new proof of insurance certificate in an easily accessible location.
One key aspect of rate comparisons is to use identical coverage information on each price quote and and to get rate quotes from as many companies as you can. This ensures a level playing field and the best price selection.
Check for these discounts on Infiniti EX35 insurance in Baltimore
Companies offering auto insurance don’t list all discounts very well, so the following list contains a few of the more common and the more hidden credits available to bring down your rates. If you’re not getting every credit possible, you could be saving more on your insurance.
- ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
- Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a break if you buy some life insurance too.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more on EX35 insurance in Baltimore.
- Pay Early and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
- Home Ownership Discount – Just being a homeowner can get you a discount since owning and maintaining a home shows financial diligence.
- Driving Data Discount – Drivers who elect to allow their insurance company to look at driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they are good drivers.
- Passive Restraint Discount – Vehicles with factory air bags could see savings of more than 20%.
- Discount for Swiching Early – Some companies reward drivers for signing up prior to the expiration date on your current EX35 insurance policy. You may see this discount when you get Baltimore auto insurance quotes online.
- Driver’s Ed – It’s a good idea to have your young drivers successfully take a driver’s education course if it’s offered in school.
- Distant Student Discount – Children who are attending college and don’t have a car can be insured at a reduced rate.
One thing to note about discounts is that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck.
The information below illustrates the comparison of Infiniti EX35 annual premium costs with and without discounts. The prices are based on a female driver, no violations or accidents, Maryland 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 marriage, multi-car, multi-policy, safe-driver, homeowner, and claim-free discounts applied.
To see a list of providers who offer online Infiniti EX35 insurance quotes in Maryland, click here to view.
How to find affordable Infiniti EX35 insurance in Baltimore, MD
Most companies such as Progressive, Allstate and GEICO make it easy to get price estimates on the web. Obtaining pricing for Infiniti EX35 insurance in Baltimore is possible for anyone because you just enter your required coverages into the form. After the form is submitted, their quoting system sends out for information on your driving record and credit history and gives you a price quote based on the data you entered.
Using the web to get rate quotes for Infiniti EX35 insurance in Baltimore makes comparing rates easy, and it’s also necessary to get many rate quotes if you are searching for lower-cost rates.
In order to fill out one form to compare multiple rates now, compare rates from the companies below. If you have coverage now, it’s recommended you enter your coverages just like they are on your policy. This guarantees you are getting comparison quotes for similar coverage.
The companies shown below are our best choices to provide free quotes in Maryland. To find cheap auto insurance in Baltimore, we suggest you visit several of them to get a more complete price comparison.
Rates and statistics
The table shown next outlines different insurance costs for Infiniti EX35 models. Learning more about how auto insurance premiums are calculated can assist in making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EX35 AWD | $450 | $856 | $532 | $32 | $160 | $2,030 | $169 |
| EX35 Journey | $450 | $856 | $532 | $32 | $160 | $2,030 | $169 |
| EX35 | $450 | $856 | $532 | $32 | $160 | $2,030 | $169 |
| EX35 AWD Journey | $500 | $856 | $532 | $32 | $160 | $2,080 | $173 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can modify premium rates considerably.
Comparison of policy deductibles
One of the more difficult decisions when buying insurance is how low should you set your deductibles. The figures shown below summarize the cost difference between high and low physical damage coverage deductibles. The first data table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EX35 AWD | $394 | $856 | $406 | $24 | $122 | $1,827 | $152 |
| EX35 Journey | $394 | $856 | $406 | $24 | $122 | $1,827 | $152 |
| EX35 | $394 | $856 | $406 | $24 | $122 | $1,827 | $152 |
| EX35 AWD Journey | $440 | $856 | $406 | $24 | $122 | $1,873 | $156 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| EX35 AWD | $218 | $452 | $406 | $24 | $122 | $1,222 | $102 |
| EX35 Journey | $218 | $452 | $406 | $24 | $122 | $1,222 | $102 |
| EX35 | $218 | $452 | $406 | $24 | $122 | $1,222 | $102 |
| EX35 AWD Journey | $244 | $452 | $406 | $24 | $122 | $1,248 | $104 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in specific zip code location which can change insurance rates significantly.
Based on these figures, using a $100 deductible could cost the average driver approximately $50 more each month or $600 annually across all Infiniti EX35 models than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 18 months between claims, you would come out ahead by going with a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $153 |
| Average monthly premium for $1,000 deductibles (subtract): | – $103 |
| Monthly savings from raising deductible: | $50 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $50 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One important caveat is that a higher deductible level means you will have to pay more when you have a comprehensive or collision claim. It will be required that you have enough extra money in the event you have to pay the deductible.
The chart below highlights how deductible selection and can raise or lower Infiniti EX35 premium costs for different insured age categories. The price estimates are based on a married male driver, comp and collision included, and no discounts are applied.
How violations and accidents impact rates
The illustration below demonstrates how speeding tickets and at-fault claims can drive up Infiniti EX35 insurance prices for different age groups of insureds. The rate quotes are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
Shop online but buy locally
A small number of people just prefer to have an agent’s advice and that is not a bad decision One of the best bonuses of comparing rate quotes online is that you can obtain lower premium rates but still work with a licensed agent.
After completing this short form, the coverage information gets sent to participating agents in Baltimore who will give you quotes and help you find cheaper coverage. You won’t even need to contact any agents as quotes are delivered directly to your email. Get lower rates AND a local agent. If you need to quote rates from a specific auto insurance provider, you just need to visit that company’s website and fill out the quote form the provide.
Deciding on an insurance company requires more thought than just the premium amount. Get answers to these questions too.
- Do they have any clout with companies to ensure a fair claim settlement?
- What are their preferred companies if they are an independent agency?
- Does the agency have a positive business rating?
- If you have an accident, will your rates go up?
- Which company do they place the most coverage with?
- What is the financial rating for the quoted company?
- Is the agency active in community causes in Baltimore?
- Are they in the agency full-time?
Multiple types of car insurance agents in Baltimore
When narrowing the list to find an insurance agent, it can be helpful to understand the different types of agents from which to choose. Auto insurance agents in Baltimore may be either exclusive or independent agents depending on their company appointments.
Exclusive Auto Insurance Agents
Agents in the exclusive channel can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot compare other company’s rates so you might not find the best rates. Exclusive agencies receive extensive training on the products they sell which helps them sell on service rather than price. Drivers often choose to use a exclusive agent mostly because of the brand name and the convenience of having a single billing for all their coverages.
Shown below is a short list of exclusive agencies in Baltimore willing to provide price quote information.
- Nathan Scholze – State Farm Insurance Agent
101 St Helena Ave – Baltimore, MD 21222 – (410) 288-4120 – View Map - Kennedy Ins Agency – Progressive Insurance
410 Ingleside Ave – Baltimore, MD 21214 – (410) 719-6006 – View Map - Frank Insley – State Farm Insurance Agent
9652 Belair Rd – Baltimore, MD 21236 – (410) 256-5600 – View Map
Independent Agencies or Brokers
Agents of this type are not employed by any specific company and that gives them the ability to insure through lots of different companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and you don’t have to do anything. If you are comparing rate quotes, you need to contact independent agents for the best price selection. Most also have access to smaller regional carriers that may provide cheaper auto insurance rates.
Below are Baltimore independent agents who can help you get price quote information.
- Upper Chesapeake Insurance Agency Inc
900 S Charles St – Baltimore, MD 21230 – (410) 385-0455 – View Map - Nationwide Insurance: Robert Frank Stastny
6822 Harford Rd – Baltimore, MD 21234 – (410) 254-1500 – View Map - Lambert Insurance Inc
1826 Woodlawn Dr # 6 – Baltimore, MD 21207 – (410) 265-7850 – View Map
After getting positive feedback to your questions and inexpensive Infiniti EX35 insurance in Baltimore quotes, it’s possible that you found an auto insurance agent that can be trusted to service your policy.
Be persistent to save money
As you quote Baltimore auto insurance, it’s very important that you do not skimp on coverage in order to save money. In many instances, drivers have reduced physical damage coverage only to find out they didn’t have enough coverage. Your focus should be to buy the best coverage you can find for the lowest cost and still be able to protect your assets.
Some companies don’t offer the ability to get a quote online and many times these regional insurance providers sell through local independent agents. Cost effective Infiniti EX35 insurance can be purchased online in addition to many Baltimore insurance agents, and you should compare rates from both to get a complete price analysis.
Drivers who switch companies do it for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, policy non-renewal or unfair underwriting practices. Whatever your reason, finding a new auto insurance company is easier than you think.
Much more information about auto insurance in Maryland is available below:
- Booster Seat Ratings (iihs.org)
- Who Has the Cheapest Baltimore Car Insurance Quotes for a Honda Pilot? (FAQ)
- How Much is Baltimore Car Insurance for a Company Car? (FAQ)
- How Much is Auto Insurance for Handicapped Drivers in Baltimore? (FAQ)
- How Much is Auto Insurance for College Graduates in Baltimore? (FAQ)
- Child Safety FAQ (iihs.org)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Rental Car Insurance Tips (Insurance Information Institute)