How to Save on Colorado Springs Infiniti FX35 Insurance

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Insurance quote for Infiniti FX35 in Colorado SpringsThe easiest way to get affordable Infiniti FX35 insurance is to do a yearly price comparison from providers who provide auto insurance in Colorado Springs.

  • Step 1: Read and learn about policy coverages and the modifications you can make to drop your rates. Many rating criteria that are responsible for high rates such as speeding tickets, accidents and your credit history can be eliminated by making minor changes in your lifestyle. Keep reading for more information to help prevent high rates and get discounts that may be overlooked.
  • Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive and State Farm, while independent agents can provide price quotes from multiple insurance companies.
  • Step 3: Compare the quotes to the premium of your current policy and determine if cheaper FX35 coverage is available in Colorado Springs. If you find a lower rate and change companies, make sure there is no coverage gap between policies.
  • Step 4: Give proper notification to your current agent or company to cancel your current car insurance policy. Submit the required down payment along with the signed application to your new insurance company. Don't forget to put the proof of insurance certificate in your vehicle's glove compartment or console.

One bit of advice is to make sure you enter the same amount of coverage on every quote request and and to look at every company you can. This ensures an accurate price comparison and a thorough selection of prices.

A recent auto insurance study revealed that the vast majority of drivers kept buying from the same company for four years or more, and approximately 40% of consumers have never compared quotes from other companies. Colorado drivers can cut their rates by almost 35% a year, but they just don't want to shop around.

Getting a cheaper price on Infiniti FX35 insurance is surprisingly easy. The only thing you need to do is take the time comparing free Colorado Springs car insurance quotes to find the company with inexpensive Colorado Springs car insurance quotes.

Doing online rate quotes comparisons is so easy that it replaces the need to waste gas driving to different Colorado Springs agent offices. Shopping for auto insurance online can eliminate the need for a local agent unless you have a complicated situation and need the personal advice that only an agent can give. However, consumers can comparison shop your insurance online but purchase the actual policy in an agency.

The auto insurance companies shown below have been selected to offer free rate quotes in Colorado. To buy cheap car insurance in Colorado Springs, we suggest you click on several of them in order to find the lowest rates.

Determine discounts on Colorado Springs car insurance

Car insurance can cost a lot, but you might find some hidden discounts that may help make it more affordable. A few discounts will automatically apply at the time of quoting, but some discounts are required to be manually applied before being credited.Discount car insurance

  • Good Student Discount - Excelling in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Multi-car Discount - Buying coverage for multiple cars with the same car insurance company can get a discount for every vehicle.
  • Online Discount - Certain insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • New Vehicle Savings - Adding a new car to your policy is cheaper since newer models are generally safer.
  • College Student Discount - Youth drivers who attend college more than 100 miles from Colorado Springs and don't have a car can receive lower rates.
  • Lower Rates for Military - Being on active deployment in the military could qualify you for better rates.
  • Bundle and Save - When you combine your auto and homeowners insurance with one company you may earn up to 20% and get you low cost Infiniti FX35 insurance.
  • Anti-lock Brake System - Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and earn discounts up to 10%.

Please keep in mind that most discounts do not apply to the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears you could get a free car insurance policy, you're out of luck. Any qualifying discounts will bring down your overall bill.

The example below visualizes the comparison of Infiniti FX35 premium costs with and without some available policy discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, Colorado state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, homeowner, multi-car, and multi-policy discounts applied.

A few companies that may offer some of the discounts shown above possibly include:

If you need low cost Colorado Springs car insurance quotes, ask every company how many discounts you can get. Savings might not be offered everywhere. To locate providers offering car insurance discounts in Colorado Springs, click this link.

Insurance coverage analysis

The premium table below highlights a range of policy rates for Infiniti FX35 models. Having a better idea how insurance rates are formulated can benefit drivers when making informed decisions.

Infiniti FX35 Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FX35 2WD 4-Dr $294 $608 $416 $24 $124 $1,466 $122
FX35 AWD 4-Dr $294 $608 $416 $24 $124 $1,466 $122
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in specific zip code location which can decrease or increase price quotes substantially.

Deductible analysis

One common question asked by Colorado Springs drivers is how high should your deductibles be. The tables below can help you understand the premium difference when you buy lower versus higher deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Infiniti FX35 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FX35 2WD 4-Dr $380 $740 $396 $24 $118 $1,683 $140
FX35 AWD 4-Dr $380 $740 $396 $24 $118 $1,683 $140
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Infiniti FX35 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FX35 2WD 4-Dr $278 $500 $396 $24 $118 $1,316 $110
FX35 AWD 4-Dr $278 $500 $396 $24 $118 $1,316 $110
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific zip code location which can decrease or increase rates significantly.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $30 more each month or $360 annually than buying the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 13 months between claims, you would come out ahead if you choose the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $140
Average monthly premium for $500 deductibles (subtract): - $110
Monthly savings from raising deductible: $30
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The diagram below highlights how deductible choice and can raise or lower Infiniti FX35 annual premium costs for different ages of insureds. The rates are based on a married male driver, comp and collision included, and no policy discounts are applied.

Infiniti FX35 liability rates compared to full coverage

The illustration below compares Infiniti FX35 insurance costs with and without physical damage coverage. The premium estimates are based on no claims or violations, $100 deductibles, single status, and no discounts are applied.

Guidelines for eliminating full coverage

There is no definitive rule for excluding physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's assume your Infiniti FX35 settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying your deductible. If premiums are more than $700 annually for full coverage, then it's probably a good time to buy liability coverage only.

There are a few cases where removing full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Local Colorado Springs auto insurance agents and auto insurance

Some consumers still prefer to have an agent's advice and that can be a smart move Professional insurance agents are very good at helping people manage risk and will help you if you have claims. The biggest benefit of price shopping on the web is you can get cheap rate quotes but also keep your business local. And supporting small agencies is especially important in Colorado Springs.

Colorado Springs insurance agentsOnce you complete this form (opens in new window), the coverage information is submitted to insurance agents in Colorado Springs who will give competitive quotes for your coverage. There is no need to leave your house since rate quotes are delivered to you instantly. If you wish to get a rate quote from a specific auto insurance provider, feel free to go to their quote page to submit a rate quote request.

If you are wanting to find a local Colorado Springs insurance agent, there are a couple of different agency structures to choose from. Agencies in Colorado Springs can either be exclusive or independent agents depending on their company appointments. Both can sell and service auto insurance coverage, but it is important to understand the subtle differences because it can impact the type of agent you choose.

Independent Auto Insurance Agents

Agents of this type can quote rates with many companies so they have the ability to put coverage through many different auto insurance companies and find the cheapest auto insurance rates. If they find a cheaper price, they can switch companies in-house and you can keep the same agent. If you are comparing auto insurance prices, we recommend you compare quotes from several independent insurance agents in order to compare the most rates.

Listed below is a small list of independent insurance agents in Colorado Springs who may be able to give you price quotes.


2407 W Colorado Ave - Colorado Springs, CO 80904 - (719) 473-6262 - View Map


125 N Parkside Dr #201f - Colorado Springs, CO 80909 - (719) 635-9557 - View Map


2105 E Bijou St A - Colorado Springs, CO 80909 - (719) 636-3369 - View Map

View more Colorado Springs agents

Exclusive Auto Insurance Agents

These type of agents have only one company to place business with like Allstate and State Farm. Exclusive agencies are unable to shop your coverage around so keep that in mind. Exclusive insurance agents receive extensive training on sales techniques which helps them sell on service rather than price.

Shown below is a short list of exclusive agencies in Colorado Springs willing to provide comparison quotes.


7610 N Union Blvd #115 - Colorado Springs, CO 80920 - (719) 593-9200 - View Map


6632 Delmonico Dr - Colorado Springs, CO 80919 - (719) 268-0080 - View Map


106 N Circle Drive - Colorado Springs, CO 80909 - (719) 633-0300 - View Map

View more Colorado Springs agents

Finding the right auto insurance agent should include more criteria than just a low price. These questions are important to ask:

  • Is there a Errors and Omissions policy in force?
  • Do they see any coverage gaps in your plan?
  • What discounts might you be missing?
  • Are they involved in claim handling?
  • Does the agency have a positive business rating?
  • How would your car be valued if totaled?
  • Do they get extra compensation for selling add-on coverages?
  • Has the agent ever had any license suspensions?

Infiniti FX35 Insurance Price Factors

When buying car insurance it's important to understand a few of the rating criteria that are used to determine the rates you pay for car insurance. If you know what determines premiums, this enables you to make decisions that can earn you better car insurance rates. Lots of factors are used when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although some other factors are less apparent like your continuous coverage or your vehicle rating.

Listed below are some of the things that factor into your rates.

  • Premiums increase with driving tickets - Whether or not you get tickets can have a huge impact on auto insurance premiums. Even a single citation can boost insurance rates by as much as thirty percent. Attentive drivers get better prices as compared to careless drivers. People who have license-revoking tickets like reckless driving, hit and run or driving under the influence may find that they have to to file a SR-22 with the DMV in their state in order to keep their license.

    The diagram below demonstrates how speeding tickets and accidents increase Infiniti FX35 car insurance rates for different age categories. The premiums are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

  • A good credit score can save money - Having a bad credit score is a large factor in your rate calculation. Drivers with high credit ratings tend to be less risk to insure than drivers who have poor credit. If your credit can use some improvement, you could save money insuring your Infiniti FX35 by spending a little time repairing your credit.
  • Safer cars means cheaper insurance - Vehicles with good safety scores are cheaper to insure. Safer cars reduce injuries and fewer injuries translates into fewer and smaller insurance claims which can result in lower premiums.
  • Men pay higher premiums - Over time, data shows women tend to be less risk to insure than men. The data does not necessarily mean that women are BETTER drivers than men. Both sexes have at-fault accidents at about the same rate, but the men tend to have higher claims. In addition to higher claims, males also get more serious tickets such as reckless driving.

    The illustration below illustrates the comparison of Infiniti FX35 insurance prices for male and female drivers. The information is based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in.

  • Where do you drive? - The more miles you rack up on your Infiniti annually the higher your rate. Almost all companies calculate prices based on how the vehicle is used. Autos used primarily for pleasure use cost less to insure than vehicles that have high annual mileage. Having an incorrect usage rating on your FX35 may be costing you. It's a smart idea to ensure your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
  • Your liability limits - Liability coverage will protect you in the event that you are determined to be liable for an accident. Your liability coverage provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Auto insurance is not optional

Despite the high cost of buying insurance for a Infiniti FX35 in Colorado Springs, insurance may not be optional for several reasons.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage if you want to drive legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you bought your Infiniti FX35 with a loan, more than likely the lender will have a requirement that you buy full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Infiniti at a much higher premium rate and require you to pay for it.

Third, insurance safeguards your Infiniti FX35 and your assets. It will also provide coverage for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your auto insurance policy will pay to repair the damage.

The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $865 each year so it's important to compare rates at every policy renewal to ensure rates are competitive.

Colorado Springs auto insurance company ratings

Insuring your vehicle with the highest-rated car insurance company is difficult considering how many companies there are in Colorado. The rank data in the next section can help you choose which coverage providers you want to consider to insure your vehicles.

Colorado Springs, Colorado Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Persistence pays off

Affordable Infiniti FX35 insurance in Colorado Springs can be purchased on the web as well as from insurance agents, so get free Colorado Springs car insurance quotes from both of them to have the best chance of lowering rates. Some auto insurance companies do not offer the ability to get quotes online and many times these smaller companies sell through independent agents.

We've covered a lot of techniques to shop for Infiniti FX35 insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best premium rates are with a lesser-known regional company. They can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

Much more information about auto insurance in Colorado is available at these links: