Best Insurance for an Infiniti EX35 in Toledo

  1. Home
  2. >
  3. Toledo Auto Insurance
  4. >
  5. Infiniti EX35

Discount Infiniti EX35 insuranceAre you trying to find more affordable Infiniti EX35 insurance in Toledo? No one in their right mind rejoices having to buy car insurance, especially when they know the prices are way too high.

It's safe to assume that car insurance companies don't want you comparing rates. Drivers who compare rates at least once a year will, in all likelihood, buy a new policy because there is a significant possibility of finding good coverage at a lower price. Remarkably, a study showed that drivers who faithfully checked for cheaper rates saved over $70 a month compared to those who never compared rates.

If finding budget-friendly rates on Infiniti EX35 insurance in Toledo is your objective, then having a good understanding the best way to quote and compare car insurance can save money and time.

Steps to finding the cheapest rates for Infiniti EX35 insurance in Toledo

If you want to save money, the best way to get more affordable Infiniti EX35 insurance is to start doing an annual price comparison from different companies that sell auto insurance in Toledo. You can compare rates by following these guidelines.

First, take a little time to learn about how insurance works and the things you can change to keep rates down. Many risk factors that cause high rates like tickets, at-fault accidents, and an unacceptable credit score can be improved by being financially responsible and driving safely.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers.

Third, compare the new rate quotes to your existing coverage and see if you can save money. If you find a lower rate quote and buy the policy, make sure there is no lapse in coverage.

Fourth, tell your current agent or company of your intention to cancel the current policy and submit payment and a signed application to the new company. Once the application is submitted, put the certificate of insurance in your vehicle's glove compartment or console.

The most important part of this process is to compare identical coverage information on every quote request and to quote with every insurance company. Doing this enables the most accurate price comparison and the best price quote selection.

Having so many different company options, it can be difficult for drivers to locate the most affordable car insurance company.

Buying affordable auto insurance in Toledo is not that difficult. Virtually every driver who needs lower cost auto insurance should find better rates. But Ohio drivers need to learn how companies price online insurance and take advantage of how the system works.

Do you qualify for discounts?

Car insurance companies don't list every available discount very clearly, so we researched a few of the more well known as well as some of the hidden credits available to you.Insurance discounts

  • Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Driver Safety - Participating in a course teaching driver safety skills is a good idea and can lower rates and also improve your driving technique.
  • Good Students Pay Less - A discount for being a good student could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Student in College - College-age children who are enrolled in higher education away from home and won't have access to an insured vehicle can be insured at a reduced rate.
  • Driver's Education for Students - Reduce the cost of insurance for teen drivers by having them participate in a local driver's education class if it's offered in school.
  • Low Miles Discount - Low mileage vehicles could be rewarded with discounted premium rates on garaged vehicles.
  • Buy New and Save - Insuring a vehicle that is new can be considerably cheaper because new vehicles keep occupants safer.
  • Multi-car Discount - Buying insurance for more than one vehicle with the same insurance company can reduce the rates for all insured vehicles.

One last thing about discounts, most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, insurance companies wouldn't stay in business. Any amount of discount will definitely reduce your policy premium.

The illustration below illustrates the comparison of Infiniti EX35 insurance costs with and without discounts applied to the rates. The costs are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.

Large insurance companies and a summarized list of policyholder discounts are shown below.

  • Progressive offers premium reductions for online signing, good student, homeowner, continuous coverage, online quote discount, multi-policy, and multi-vehicle.
  • GEICO offers discounts including anti-theft, emergency military deployment, driver training, seat belt use, and anti-lock brakes.
  • State Farm offers discounts for multiple policy, good student, student away at school, safe vehicle, multiple autos, and driver's education.
  • Esurance discounts include good student, anti-lock brakes, multi-policy, Pac-12 alumni, DriveSense, and homeowner.
  • The Hartford has discounts for air bag, anti-theft, driver training, bundle, vehicle fuel type, and good student.

If you need lower rates, check with each company to apply every possible discount. Discounts might not be offered in every state. To choose companies that offer the discounts shown above in Toledo, click here to view.

How to compare Toledo Infiniti EX35 insurance rate quotes

To find the best insurance quotes, there are several ways to compare rate quotes from many available insurance companies in Ohio. The easiest way by far to lower the rate you pay for insurance is to get quotes online.

Online shopping is fast and free, and it replaces the need to physically go to each insurance agency near you. Buying insurance online makes this unnecessary unless you have a complicated situation and need the professional abilities that can only be provided by a licensed insurance agent. However, consumers can get prices online but buy the policy through an agent.

It's important to know that quoting more provides better odds of finding a better price.

The providers in the list below provide quotes in Toledo, OH. If you wish to find cheaper car insurance in Toledo, OH, we suggest you visit two to three different companies in order to find the lowest rates.

Infiniti EX35 insurance rate analysis

The coverage information shown below showcases detailed analysis of coverage prices for Infiniti EX35 models. Having a better idea how auto insurance premiums are calculated can assist in making smart choices when comparing insurance quotes.

Infiniti EX35 Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $172 $406 $218 $12 $66 $874 $73
EX35 Journey $172 $406 $218 $12 $66 $874 $73
EX35 $172 $406 $218 $12 $66 $874 $73
EX35 AWD Journey $192 $406 $218 $12 $66 $894 $75
Get Your Own Custom Quote Go

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in garaging location in Toledo which can alter insurance rates considerably.

Physical damage deductible comparison

When shopping for auto insurance, a common question is which deductibles should you choose. The figures shown below highlight the premium difference between high and low coverage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Infiniti EX35 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $198 $400 $226 $14 $68 $931 $78
EX35 Journey $198 $400 $226 $14 $68 $931 $78
EX35 $198 $400 $226 $14 $68 $931 $78
EX35 AWD Journey $220 $400 $226 $14 $68 $953 $79
Get Your Own Custom Quote Go
Infiniti EX35 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $160 $324 $226 $14 $68 $792 $66
EX35 Journey $160 $324 $226 $14 $68 $792 $66
EX35 $160 $324 $226 $14 $68 $792 $66
EX35 AWD Journey $180 $324 $226 $14 $68 $812 $68
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in zip code location which can influence price quotes substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $11 more each month or $132 for a full year across all Infiniti EX35 models than choosing the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 23 months between claims, you would come out ahead if you decide on a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $78
Average monthly premium for $500 deductibles (subtract): - $67
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Cost difference between full coverage and liability

The example below compares Infiniti EX35 yearly insurance costs with full coverage compared to only the Ohio minimum liability coverage. Data assumes no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied.

When to buy liability coverage only

There is no definitive formula that works best for making the decision to drop physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's assume your Infiniti EX35 settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying your deductible. If premium cost is more than $200 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some cases where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not opt for liability only.

What insurance coverages do I need?

Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there really isn't a "best" method to buy coverage. You are unique so your insurance should reflect thatHigher deductibles save money These are some specific questions might help in determining if your insurance needs could use an agent's help.

  • What is glass protection for?
  • What is the difference between personal and commercial auto insurance policies?
  • Can good grades get a discount?
  • Is my Infiniti EX35 covered for flood damage?
  • What does UM/UIM cover?
  • Do I have coverage when using my vehicle for my home business?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Local Toledo insurance agencies and insurance

Some consumers just want to buy from a local agent and that is recommended in a lot of cases A nice benefit of price shopping on the web is that you can obtain lower prices but still work with a licensed agent.

For easy comparison, once you complete this quick form, your coverage information is submitted to local insurance agents in Toledo who will return price quotes for your insurance coverage. You never need to leave your computer since price quotes are sent immediately to you. You'll get the best rates and a licensed agent to work with. If you have a need to get a price quote for a specific company, feel free to find their quoting web page to submit a rate quote request.

Choosing an insurer should include more criteria than just the quoted price. These are some questions you should get answers to.

  • Which company do they place the most coverage with?
  • Do they have designations such as AIC, CPCU, or CIC?
  • Does the agency have a current Errors and Omissions policy?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they make recommendations based only on price?
  • How are they compensated?
  • Is every driver in your family covered?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

If you want a reliable insurance agent, there are a couple of types of insurance agents and how they operate. Insurance policy providers are classified as either exclusive or independent.

Exclusive Insurance Agents

Exclusive agencies write business for a single company and some examples include AAA, Allstate, and State Farm. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents receive a lot of sales training on their company's products and that allows them to sell at a higher price point.

Below are exclusive agencies in Toledo who may provide you with comparison quotes.


2114 N Reynolds Rd - Toledo, OH 43615 - (419) 536-9166 - View Map


1310 W Sylvania Ave - Toledo, OH 43612 - (419) 478-2400 - View Map


7109 Central Ave - Toledo, OH 43617 - (419) 841-4800 - View Map

View more agents

Independent Agents (or Brokers)

These agents are not employed by one company so they can quote policies with any number of different companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier and you stay with the same agent. When shopping rates, we highly recommend that you contact at a minimum one independent agency to maximize your price options.

Below are Toledo independent agencies who can help you get price quotes.


4149 N Holland Sylvania Rd #3 - Toledo, OH 43623 - (419) 882-1770 - View Map


3450 Central Ave #344 - Toledo, OH 43606 - (419) 536-2213 - View Map


3421 N Holland Sylvania Rd - Toledo, OH 43615 - (419) 841-4446 - View Map

View more agents

Once you have reasonable responses to all your questions and cheaper EX35 insurance quotes, it's possible that you found an auto insurance agent that is a good match to service your policy. Just be aware that consumers can terminate coverage whenever you wish so don't assume that you are permanently stuck with a policy with no way to switch.

Cover all your bases

Throughout this article, we presented quite a bit of information on how to compare Infiniti EX35 insurance prices in Toledo. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even be surprised to find that the most savings is with a company that doesn't do a lot of advertising. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Cheaper Infiniti EX35 insurance in Toledo is possible on the web in addition to local insurance agencies, so you need to quote Toledo auto insurance with both so you have a total pricing picture. Some insurance providers do not provide online quoting and these small, regional companies sell through local independent agencies.

Steps to finding cheaper quotes for Infiniti EX35 insurance in Toledo

Really, the only way to save on Infiniti EX35 insurance is to compare quotes annually from providers in Toledo.

Step 1: Gain an understanding of how insurance companies determine prices and the modifications you can make to prevent expensive coverage. Many risk factors that cause high rates like inattentive driving and a lousy credit rating can be remedied by making lifestyle changes or driving safer.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can quote rates from multiple sources. View rates

Step 3: Compare the price quotes to the price on your current policy and see if you can save money. If you find a better price and change companies, make sure there is no coverage gap between policies.

Step 4: Notify your current company to cancel your current auto insurance policy and submit payment and a signed application to the new insurer. Once the application is submitted, place your new certificate of insurance with the vehicle registration.

An important note is to use similar coverage information on each price quote and and to analyze every company you can. Doing this provides a fair rate comparison and a good representation of prices.

For more information, take a look at the resources below: