Locating low-cost insurance for an Infiniti FX35 in Texas can normally be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to find insurance online so you’re going to learn the quickest way to compare rates for a Infiniti and obtain the cheapest rates either online or from San Antonio insurance agents.
Buying the cheapest auto insurance in San Antonio is not that difficult as long as you know where to start. If you’re already insured or are shopping for new coverage, use these tips to find the best rates while maintaining coverages. Comparison shoppers just need to know the best way to buy auto insurance from many different companies online.
How to get the cheapest Infiniti FX35 insurance in San Antonio
Cutting your San Antonio car insurance rates can be surprisingly simple. The only requirement is to take the time comparing price quotes from online providers.
The companies shown below can provide free rate quotes in San Antonio, TX. If the list has multiple companies, we recommend you click on several of them to find the lowest auto insurance rates.
Auto insurance statistics and figures
The premium table shown next highlights different rate quotes for Infiniti FX35 models. Having knowledge of how insurance rates are calculated can benefit drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX35 2WD 4-Dr | $220 | $478 | $560 | $34 | $168 | $1,460 | $122 |
| FX35 AWD 4-Dr | $220 | $478 | $560 | $34 | $168 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in garaging location in San Antonio which can modify coverage rates noticeably.
How high should deductibles be?
When buying auto insurance, a common question is how high should the deductibles for physical damage be. The premium rates below determine the rate differences when you select higher and lower coverage deductibles. The first data set uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX35 2WD 4-Dr | $370 | $672 | $430 | $26 | $128 | $1,651 | $138 |
| FX35 AWD 4-Dr | $370 | $672 | $430 | $26 | $128 | $1,651 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX35 2WD 4-Dr | $300 | $542 | $430 | $26 | $128 | $1,426 | $119 |
| FX35 AWD 4-Dr | $300 | $542 | $430 | $26 | $128 | $1,426 | $119 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific San Antonio garaging location which can raise or lower price quotes considerably.
Based on the above data, using a $250 deductible costs an average of $19 more each month or $228 every year than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 13 months between claims, you would save money if you choose a higher deductible. Here’s how you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $138 |
| Average monthly premium for $500 deductibles (subtract): | – $119 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
Discounts mean cheaper rates for Infiniti FX35 insurance in San Antonio
Buying insurance is not cheap, but you can get discounts that can help lower your rates. Certain reductions will be credited when you get a quote, but some may not be applied and must be specially asked for before you will receive the discount.
- Telematics Data Discounts – People who choose to allow their insurance company to scrutinize when and where they use their vehicle by installing a telematics device such as State Farm’s In-Drive might get better premium rates as long as the data is positive.
- Service Members Pay Less – Having an actively deployed family member can result in better insurance rates.
- Safety Course Discount – Taking time to complete a course teaching driver safety skills could earn you a small percentage discount if you qualify.
- Membership in Organizations – Joining a civic or occupational organization in San Antonio could earn you a nice discount on insurance.
- 55 and Retired – Mature drivers may be able to get a slight reduction on a San Antonio auto insurance quote.
- Braking Control Discount – Cars and trucks with ABS and/or traction control prevent accidents and earn discounts up to 10%.
- Multiple Policy Discount – When you have multiple policies with one company you may save up to 20% and get you the cheapest Infiniti FX35 insurance in San Antonio.
- Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings as much as 30%.
- New Car Discount – Insuring a new FX35 can be considerably cheaper compared to insuring an older model.
- One Accident Forgiven – This one isn’t a discount, but companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a specific time period.
You can save money using discounts, but most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.
The illustration below shows the comparison of Infiniti FX35 annual premium costs with and without discounts. Data assumes a male driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, safe-driver, and multi-policy discounts applied.
Auto insurance companies that may offer most of the discounts above include:
It’s a good idea to ask every prospective company how you can save money. Depending on the company, some discounts might not apply in your state. To view insurance companies with the best discounts in San Antonio, click here.
Car insurance does more than just repair your car
Despite the potentially high cost of Infiniti FX35 insurance, paying for car insurance may be required and benefits you in several ways.
- The majority of states have compulsory liability insurance requirements which means you are required to buy specific limits of liability protection in order to license the vehicle. 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 you took out a loan on your Infiniti FX35, almost all lenders will have a requirement that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may buy a policy for your Infiniti for a much higher rate and make you pay a much higher amount than you were paying before.
- Insurance protects both your Infiniti FX35 and your personal assets. It will also cover many types of medical costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you 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 to repair the damage.
The benefits of having car insurance are without a doubt worth the cost, particularly when you have a large claim. On average, a vehicle owner in San Antonio is currently overpaying as much as $810 a year so shop around at every policy renewal to save money.
Exclusive versus independent insurance agents
Certain consumers would rather visit with an insurance agent and that is just fine! Professional insurance agents can make sure you are properly covered and help in the event of a claim. A nice benefit of comparing rates online is you may find better rates but also keep your business local.
After filling out this form (opens in new window), your insurance data is emailed to local insurance agents in San Antonio who want to provide quotes for your insurance coverage. You won’t need to search for an agent because quoted prices will be sent to your email. If you want to compare prices from one company in particular, don’t hesitate to visit that company’s website and submit a quote form there.
Choosing a insurer requires more thought than just the quoted price. Any agent in San Antonio should have no problem answering these questions:
- Which companies can they place coverage with?
- Who is covered by the car insurance policy?
- Are claims handled at the agent’s location?
- What is the financial rating for the quoted company?
- Which company do they place the most coverage with?
- Does the agency have a positive business rating?
Independent or Exclusive: It’s your choice
When finding a good insurance agency, it’s helpful to know the different agency structures and how they are slightly different. Agencies in San Antonio can be described as either independent agents or exclusive agents depending on their employer. Both types can sell insurance policies, but we need to point out how they are different since it could factor into which type of agent you select.
Exclusive Agents
These agents normally can only provide a single company’s rates and some examples include Farmers Insurance and State Farm. Exclusive agents are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps them sell on service rather than price. Consumers frequently purchase coverage from exclusives primarily because of the brand rather than having low rates.
Below is a short list of exclusive agencies in San Antonio who may provide you with price quotes.
- Tom Fladd – State Farm Insurance Agent
9023 Huebner Rd #108 – San Antonio, TX 78240 – (210) 684-5253 – View Map - Raul Benavides III – State Farm Insurance Agent
6900 San Pedro Ave #135 – San Antonio, TX 78216 – (210) 824-5724 – View Map - Deserae Navarro – State Farm Insurance Agent
5975 Bandera Rd – San Antonio, TX 78238 – (210) 647-7975 – View Map
Independent Insurance Agencies
These agents are not employed by any specific company and that gives them the ability to insure amongst many companies enabling the ability to shop coverage around. If premiums increase, the business is moved internally which is easy for the insured.
If you are trying to find cheaper rates, you should always get some free quotes from at least one independent agent in order to compare the most rates. They often place coverage with smaller mutual companies that can offer cheaper rates than bigger companies.
The following is a list of independent agencies in San Antonio that can give you comparison quotes.
- Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map - Mesquite Insurance Agency
501 W Quincy St – San Antonio, TX 78212 – (210) 472-3034 – View Map - Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 – View Map