Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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If you’re searching for more affordable insurance online, are you confused by the crazy number of insurance coverage companies? Lot’s of other people are too. You have so many companies available that it is a big hassle to find lower premium rates.

It’s a good idea to check insurance coverage prices as often as possible due to the fact that insurance prices change quite often. If you had the lowest rates for Q60 Convertible insurance six months ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the fastest and easiest way to find better coverage at a better price.

If you currently have car insurance, you will be able to lower your premiums substantially using this strategy. This article will teach you the most effective way to quote insurance and some money-saving tips. Although vehicle owners can benefit from knowing the way insurance companies sell online.

Lower the price of insurance coverage with these tips

One of the most helpful ways to save on insurance coverage is to to have a grasp of the rating factors that help determine the price you pay for insurance coverage. If you understand what influences your rates, this allows you to make educated decisions that can earn you lower premium levels.

The factors shown below are some of the factors companies use to determine your rate level.

  • Additional coverages that may be costing you – Insurance policies have a lot of optional add-on coverages that can waste your money on your Q60 Convertible policy. Coverages for vanishing deductibles, death and dismemberment, and Farm Bureau memberships may be costing you every month. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Get married and get better premiums – Getting married may earn you lower rates on your policy. Having a significant other demonstrates that you tend to be less irresponsible and statistics prove being married results in fewer claims.
  • Insurance coverage policy lapses lead to higher prices – Having an insurance coverage lapse will be a sure-fire way to trigger a rate increase. Not only will rates go up, getting caught without coverage can result in a hefty fine and possibly a revoked license.
  • Rates increase with driving citations – Drivers who don’t get tickets tend to pay less for car insurance as compared to careless drivers. Even one speeding ticket or other violation can boost insurance rates substantially. Drivers who get serious tickets such as DUI or willful reckless driving may need to submit a SR-22 form to the state department of motor vehicles in order to legally drive a vehicle.
  • Improve your credit score – An insured’s credit history is a large factor in calculating your insurance coverage rates. So if your credit rating can be improved, you could be paying less to insure your 2015 Infiniti Q60 Convertible if you improve your credit rating. People with excellent credit tend to be better drivers and file fewer claims than drivers with poor credit scores.
  • Fewer miles means better prices – Driving more miles each year the more you’ll pay to insure it. Many insurance companies calculate prices partially by how you use the vehicle. Autos that sit idle most of the time qualify for better rates than cars that get driven a lot. Improper usage on your Q60 Convertible is throwing money out the window. It’s a good idea to make sure your vehicle rating states the correct usage for each vehicle, because it can save money.
  • Low stress occupation equals lower premiums – Careers like military generals, architects and dentists tend to have higher rates than average in part from high stress and long work hours. On the flip side, occupations like scientists, athletes and the unemployed have lower than average premiums for Q60 Convertible insurance.
  • Don’t skimp on liability – A critical coverage on your policy, liability insurance will provide protection if a court rules you are at fault for causing personal injury or damage in an accident. Liability provides legal defense which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.

Enter your zip code below to view companies that have cheap auto insurance rates.

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How to get low cost car insurance

Most companies such as Allstate, GEICO and Progressive provide price estimates direct online. Comparing prices online is very simple as you simply enter your required coverages into a form. After the form is submitted, the quote system will obtain credit information and your driving record and returns pricing information based on the information you submitted.

Online price quotes makes comparing rates easy, but the time it takes to visit each company’s website and repetitively type in the same data gets old quite quickly. But it’s absolutely necessary to compare as many rates as possible if you want to get lower prices.

The quickest way to compare car insurance pricing makes use of a single form to get prices from several different companies. It saves time, requires less work, and makes online price comparison much simpler. As soon as you send your information, it is rated and you can select any or none of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase the new policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To find out what other companies charge, click here to open in new window and submit the form. If you have your current policy handy, we recommend you input the coverages as shown on your current policy. This ensures you will receive a rate comparison for similar coverage.

Drivers can save with these discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that can help lower your rates. Many discounts should be triggered when you purchase, but a few must be asked for in order for you to get them.

  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Discount for Swiching Early – Some larger companies give discounts for buying a policy before your current policy expires. This discount can save up to 10%.
  • Discounts for New Vehicles – Putting insurance on a new car can save you some money because newer models are generally safer.
  • Discounts for Federal Employees – Federal government employees could provide a small rate reduction for Q60 Convertible insurance with certain companies.
  • Distant College Student Discount – Older children who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Senior Citizen Rates – Mature drivers could receive reduced rates for Q60 Convertible insurance.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Military Rewards – Being on active deployment in the military could mean lower prices.
  • Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.

A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will cut the cost of your policy.

To choose companies that offer the discounts shown above, click here to view.

Special considerations

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • I don’t drive much so do I pay less?
  • Should I bundle my homeowners policy with my auto?
  • Does my personal policy cover me when driving out-of-state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When do I need to add a new car to my policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverages and their meanings

Knowing the specifics of car insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

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 might see values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as medical expenses, repair bills for other people’s vehicles, court costs, funeral expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses such as ambulance fees, prosthetic devices, EMT expenses, funeral costs and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance covers damage to your Q60 Convertible caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, scraping a guard rail, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Infiniti Q60 Convertible.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, falling objects, damage from a tornado or hurricane and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Buy Smart and Save

While you’re price shopping online, never reduce needed coverages to save money. There are too many instances where someone sacrificed physical damage coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

Insureds who switch companies do it for a number of reasons such as denial of a claim, not issuing a premium refund, extreme rates for teen drivers and poor customer service. Whatever your reason, switching companies can be easier than you think.

Cheaper car insurance is possible both online in addition to local insurance agencies, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. Some insurance companies may not have internet price quotes and these smaller companies work with independent agents.

Helpful information