Are you tired of overpaying and want more affordable Infiniti QX56 insurance in Houston? If you’re new to shopping for Houston car insurance quotes online, chances are good that you are confused thanks to all the different types of insurance companies that all say they have the best rates for Infiniti QX56 insurance in Houston.
It’s amazing but 70% of consumers have been with the same company for at least the last four years, and nearly half have never shopped around. Houston insurance shoppers could cut their rates by almost 70% a year just by comparing rates, but most tend to underestimate the big savings they would realize if they replace their high priced policy.
The quickest way to get rate comparisons for Infiniti QX56 insurance in Houston is to know the trick all the major auto insurance companies pay for the opportunity to compare rate quotes. To get started, all you need to do is provide the companies a bit of rating information such as if you are currently licensed, whether you drive to work or school, if a SR-22 is needed, and your general credit rating. Your details is sent automatically to insurance companies and they return cost estimate quickly.
If you would like to compare rates now, click here and enter your coverage details.
The companies in the list below are our best choices to provide price quotes in Houston, TX. If more than one company is shown, it’s highly recommended you visit several of them to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| QX56 2WD 4-Dr | $222 | $414 | $388 | $24 | $116 | $1,164 | $97 |
| QX56 AWD 4-Dr | $220 | $478 | $496 | $30 | $148 | $1,372 | $114 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in your specific Houston location which can decrease or increase premiums noticeably.
Safe drivers pay cheaper rates
The example below shows how violations and at-fault fender-benders impact Infiniti QX56 insurance costs for different categories of driver ages. The premiums assume a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
Gender-based auto insurance rates
The example below illustrates the comparison of Infiniti QX56 auto insurance rates for male and female drivers. The data assumes no violations or accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Policy deductible comparison
The hardest decision when buying coverage is the level to set your comp and collision deductibles. The tables below can help illustrate the price difference when you select higher and lower insurance deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| QX56 2WD 4-Dr | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| QX56 AWD 4-Dr | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| QX56 2WD 4-Dr | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| QX56 AWD 4-Dr | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in specific zip code location which can revise premium rates considerably.
Based on the figures above, using a $100 deductible costs roughly $49 more each month or $588 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 18 months between claim filings, you would save more money going with the higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $147 |
| Average monthly premium for $1,000 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $49 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $49 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One thing to note is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You need some funds available in the event you need to pay more for the deductible.
Insurance policy discounts you can’t miss
The cost of insuring your cars can be expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but some discounts are required to be requested specifically before you get the savings.
- Telematics Discount – Policyholders that allow data collection to analyze where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
- Senior Discount – Mature drivers can possibly qualify for better insurance rates.
- E-sign Discounts – Some companies give back up to $50 for buying a policy and signing up on the web.
- Savings for New Vehicles – Buying insurance coverage on a new vehicle can save you some money since newer models have better safety ratings.
- Claim-Free Discount – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance in addition to your auto policy.
- Military Deployment Discount – Having an actively deployed family member could be rewarded with lower premium rates.
One last thing about discounts, most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.
Popular insurance companies and a partial list of their discounts are:
- State Farm offers premium reductions for Drive Safe & Save, multiple policy, driver’s education, Steer Clear safe driver discount, good student, accident-free, and anti-theft.
- Esurance offers discounts for Switch & Save, good driver, good student, online shopper, defensive driver, and paid-in-full.
- Progressive has discounts for online quote discount, continuous coverage, multi-policy, online signing, good student, multi-vehicle, and homeowner.
- Liberty Mutual includes discounts for new graduate, good student, newly retired, new vehicle discount, exclusive group savings, and teen driver discount.
- Auto-Owners Insurance policyholders can earn discounts including teen driver, paperless, anti-lock brakes, multi-policy, air bags, good student, and mature driver.
- GEICO discounts include air bags, multi-policy, multi-vehicle, federal employee, daytime running lights, defensive driver, and five-year accident-free.
It’s a good idea to ask each company the best way to save money. Savings might not be offered on policies in Houston. To view companies offering insurance discounts in Texas, click here to view.
Protect more than your Infiniti vehicle
Even though it can be expensive, insurance may be required for several reasons.
- Most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Infiniti QX56 has a lien holder, more than likely the lender will require that you have insurance to ensure loan repayment if the vehicle is totalled. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Infiniti for a lot more money and require you to reimburse them much more than you were paying before.
- Insurance protects not only your vehicle but also your assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, 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 cancel out the cost, particularly for liability claims. Despite what companies tell you, the average driver is overpaying over $869 every year so compare rate quotes each time the policy renews to be sure current rates are still competitive.
There’s no such thing as the perfect auto insurance policy
When selecting adequate coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Everyone’s needs are different and your policy should reflect that.
These are some specific questions can help discover whether or not you would benefit from professional advice.
- At what point should I drop full coverage?
- Am I covered if I back into my garage door?
- I have a DUI can I still get coverage?
- Am I covered if I have no license?
- Does my medical payments coverage pay my health insurance deductible?
- Is my custom paint covered by insurance?
- Is my Infiniti QX56 covered for flood damage?
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier
Shop online but buy locally
A lot of people just prefer to have an agent’s advice and doing so can bring peace of mind A nice benefit of comparing insurance prices online is that you can obtain better rates and still choose a local agent. Buying from local agencies is important particularly in Houston.
To help locate an agent, after submitting this simple form, your information is immediately sent to local insurance agents in Houston that can give you free Houston car insurance quotes for your business. You don’t have to leave your computer since rate quotes are delivered straight to your inbox. It’s the lowest rates AND an agent nearby. If you need to get a price quote from a specific insurance company, you just need to search and find their rate quote page to submit a rate quote request.
When narrowing the list to find a local Houston insurance agent, there are two types of agencies and how they work. Agents in Houston are categorized either independent or exclusive depending on the company they work for.
Independent Agents (or Brokers)
Agents that elect to be independent do not have single company limitations so they can quote policies with a variety of different insurance companies and get you the best rates possible. If your agent finds better pricing, they simply switch companies in-house and you stay with the same agent. When comparing rates, you will definitely want to get rate quotes from multiple independent agents for maximum quote selection. Many can place coverage with smaller mutual companies which may provide better rates.
Featured below are Houston independent agents that can possibly get you cheap rate quotes.
- Town and Country Insurance Agency – Houston, TX
10575 Katy Fwy # 150 – Houston, TX 77024 – (713) 461-8979 – View Map - Pasadena Insurance Agency, Inc.
99 Detering St #280 – Houston, TX 77007 – (713) 869-6991 – View Map - Texas Insurance Agency
719 Shotwell St – Houston, TX 77026 – (713) 675-2626 – View Map
Exclusive Insurance Agents
Exclusive insurance agents can only provide one company’s prices and some examples include Farmers Insurance and State Farm. They usually cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agencies are trained well on their products and sales techniques and that enables them to sell even at higher rates. Drivers often buy insurance from these agents mostly because of the prominence of the brand rather than low rates.
Below is a list of exclusive insurance agents in Houston that are able to give price quote information.
- Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map - State Farm: Ken Quach
6489 Wilcrest Dr – Houston, TX 77072 – (281) 498-1010 – View Map - Diego Martinez – State Farm Insurance Agent
2575 S Dairy Ashford Rd m – Houston, TX 77077 – (281) 496-5330 – View Map
Finding a good car insurance agent requires more thought than just a cheap quote. A good agent in Houston will have answers to these questions.
- Are they full-time agents?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If you have an accident, will your rates go up?
- Does the company use OEM repair parts?
- Is every driver in your family covered?
- Who are their largest clients?
- If your car is totalled, how to they determine the replacement cost?
- Will their companies depreciate repairs to your car based on the mileage?