Cheap Infiniti EX35 Insurance in Fort Worth

  1. Home
  2. >
  3. Vehicles
  4. >
  5. Infiniti EX35

Discount Infiniti EX35 insuranceWould you like to stop overpaying and find lower-priced Infiniti EX35 insurance in Fort Worth? Tired of not being able to scrape enough together to make your auto insurance payment? You are no different than many other Texas drivers.

Shockingly, nearly 70% of customers have stayed with the same insurance company for at least the last four years, and approximately 38% of consumers have never compared rates from other carriers. Consumers in the United States could pocket up to 47% a year just by comparing rates, but they don't want to spend time to compare other rate quotes.

How to find better rates for Infiniti EX35 insurance in Fort Worth

If you want to save the most money, the best way to find cheaper quotes for car insurance rates in Fort Worth is to regularly compare price quotes from insurers that sell auto insurance in Texas.

  • First, try to understand policy coverages and the measures you can take to prevent expensive coverage. Many risk factors that result in higher rates like speeding tickets, careless driving and a not-so-good credit history can be remedied by making minor driving habit or lifestyle changes. Keep reading for additional ideas to get lower rates and find available discounts that you may qualify for.
  • Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Allstate, while independent agents can provide prices from multiple insurance companies. Compare rates
  • Third, compare the new quotes to your existing rates to see if a cheaper price is available in Fort Worth. If you can save some money and buy the policy, make sure there is no coverage gap between policies.
  • Fourth, provide written notification to your current company to cancel your current auto insurance policy and submit a completed application and payment to your new company or agent. Once the paperwork is finalized, safely store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.

One tip to remember is that you'll want to compare identical coverage information on each price quote and and to get price quotes from as many different insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and a thorough selection of prices.

Popular companies such as State Farm and GEICO all claim big savings with ad campaigns and it is difficult to ignore the propaganda and do the work needed to find the best deal.

Consumers should take time to check auto insurance prices occasionally since rates are usually higher with each renewal. Even if you think you had the lowest rate on Infiniti EX35 insurance in Fort Worth a few years ago there is a good chance you can find better prices now. You can find a lot of wrong information about EX35 insurance online, but we're going to give you some proven techniques to find cheap auto insurance in Fort Worth.

Car insurance discounts are available for cheaper rates

Car insurance is not inexpensive, but there could be available discounts that you may not even know about. A few discounts will be applied when you complete an application, but some need to be inquired about before you will receive the discount.

  • More Vehicles More Savings - Having several vehicles with the same company can reduce rates for all insured vehicles.
  • Passive Restraints and Air Bags - Vehicles with factory air bags can get savings of more than 20%.
  • Bundle and Save - If you insure your home and vehicles and place coverage with the same company you may save up to 20% off your total EX35 insurance premium.
  • Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to participate in a local driver's education class as it will make them better drivers and lower rates.
  • Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
  • Smart Student Discounts - Being a good student may save you up to 25%. The discount lasts until age 25.
  • No Accidents - Insureds who avoid accidents and claims can earn big discounts when compared to policyholders that have many claims.
  • College Student - Any of your kids who live away from home to go to college without a vehicle on campus could qualify for this discount.
  • Telematics Data - Insureds that choose to allow companies to study driving patterns by using a small device installed in their vehicle like In-Drive from State Farm and Progressive's Snapshot could possibly reduce rates as long as they are good drivers.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like you could get a free car insurance policy, companies wouldn't make money that way.

The illustration below shows the comparison of Infiniti EX35 premium costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, multi-car, homeowner, and marriage discounts applied.

A few of the larger companies and a partial list of their discounts are shown below.

  • GEICO offers discounts for five-year accident-free, emergency military deployment, air bags, anti-lock brakes, and daytime running lights.
  • USAA offers premium reductions for military installation, annual mileage, multi-vehicle, defensive driver, safe driver, and loyalty savings.
  • Progressive may include discounts for multi-policy, continuous coverage, online quote discount, homeowner, online signing, multi-vehicle, and good student.
  • American Family may offer discounts for multi-vehicle, defensive driver, accident-free, mySafetyValet, and early bird.
  • Esurance includes discounts for defensive driver, multi-policy, paid-in-full, claim free, good student, multi-car, and good driver.
  • Farmers Insurance policyholders can earn discounts including homeowner, electronic funds transfer, pay in full, good student, switch companies, multi-car, and mature driver.
  • State Farm has savings for Drive Safe & Save, anti-theft, passive restraint, multiple policy, and defensive driving training.

Double check with all the companies to apply every possible discount. Some discounts may not be available in your state.

The companies shown below provide quotes in Fort Worth, TX. If the list has multiple companies, we recommend you click on several of them to get a more complete price comparison.

Rates and statistics

The coverage table below outlines estimates of insurance rates for Infiniti EX35 models. Being able to understand how insurance prices are figured is important to be able to make decisions on which insurance to purchase.

Infiniti EX35 Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $176 $414 $400 $24 $120 $1,134 $95
EX35 Journey $176 $414 $400 $24 $120 $1,134 $95
EX35 $176 $414 $400 $24 $120 $1,134 $95
EX35 AWD Journey $196 $414 $400 $24 $120 $1,154 $96
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in vehicle garaging location which can increase or decrease rates noticeably.

Higher deductibles lower rates

One frequently asked question is how high should the physical damage deductibles be. The comparison tables below outline the cost difference when you buy lower versus higher physical damage coverage deductibles. The first table uses a $100 deductible and the second price table uses a $1,000 deductible.

Infiniti EX35 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $370 $804 $382 $22 $114 $1,717 $143
EX35 Journey $370 $804 $382 $22 $114 $1,717 $143
EX35 $370 $804 $382 $22 $114 $1,717 $143
EX35 AWD Journey $412 $804 $382 $22 $114 $1,759 $147
Get Your Own Custom Quote Go
Infiniti EX35 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
EX35 AWD $206 $424 $382 $22 $114 $1,148 $96
EX35 Journey $206 $424 $382 $22 $114 $1,148 $96
EX35 $206 $424 $382 $22 $114 $1,148 $96
EX35 AWD Journey $228 $424 $382 $22 $114 $1,170 $98
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify premium rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $47 more each month or $564 a year averaged for all EX35 models than selecting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 19 months between claims, you would save more money if you choose the higher deductible. Here is an example of how we made this calculation.

Average monthly premium for $100 deductibles: $144
Average monthly premium for $1,000 deductibles (subtract): - $97
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Impact of careless driving on Fort Worth insurance rates

The example below shows how traffic citations and at-fault claims can raise Infiniti EX35 yearly insurance costs for different ages of insureds. The costs are based on a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Annual premiums comparing men and women

The chart below shows the comparison of Infiniti EX35 insurance prices for male and female drivers. The data is based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no discounts are factored in.

Full coverage rates vs. liability-only in Fort Worth

The diagram below visualizes the comparison of Infiniti EX35 car insurance costs with and without full coverage. Data assumes a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are applied.

Guidelines for eliminating full coverage

There is no definitive rule for dropping physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% 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 EX35 settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying over $800 a year for full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

When to get advice from a local insurance agent

A lot of people would prefer to sit down with an agent and that is not a bad decision Experienced insurance agents can help you build your policy and give you someone to call. One of the great benefits of comparing rate quotes online is the fact that drivers can get lower premium rates and also buy local. Buying insurance from neighborhood insurance agencies is important particularly in Fort Worth.

Find insurance agent in Fort WorthAfter completing this quick form, your insurance coverage information gets sent to participating agents in Fort Worth who will return price quotes to get your business. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered to you. If you need to get a price quote from a specific insurance provider, just jump over to their website and fill out the quote form the provide.

If you need to find a good Fort Worth insurance agent, it can be helpful to understand the types of insurance agents and how they operate. Agents in Fort Worth are categorized either exclusive or independent. Both types of agents can write insurance policies, but we need to point out the differences because it can influence which type of agent you select.

Independent Insurance Agencies or Brokers

Agents that elect to be independent do not sell for just one brand and that enables them to quote your coverage with multiple insurance companies and find you the best rates. To move your coverage to a new company, they can switch companies in-house without you having to go to a different agency. If you need cheaper insurance rates, you will definitely want to get several quotes from several independent insurance agents in order to compare the most rates.

Featured below is a short list of independent agents in Fort Worth who can help you get price quote information.


1415 Summit Ave - Fort Worth, TX 76102 - (817) 332-4064 - View Map


11751 Alta Vista Rd Ste 401 - Fort Worth, TX 76244 - (817) 533-8027 - View Map

Doc Jackson Insurance Agency
3305 Miller Ave - Fort Worth, TX 76119 - (817) 535-5000 - View Map

View more agents

Exclusive Insurance Agents

Agents of this type have only one company to place business with and examples are AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide prices from multiple companies so it's a take it or leave it situation. These agents are usually well trained on their company's products and that allows them to sell at a higher price point.

The following is a list of exclusive insurance agencies in Fort Worth that are able to give price quote information.


4947 S Hulen St - Fort Worth, TX 76132 - (817) 737-8311 - View Map


1205 N Main St - Fort Worth, TX 76164 - (817) 740-1508 - View Map


7420 N Beach St #234 - Fort Worth, TX 76137 - (817) 485-5660 - View Map

View more agents

Selecting an insurance agency needs to be determined by more than just the quoted price. Here are some questions you should ask.

  • Do they have a Better Business Bureau rating in Fort Worth?
  • How would your car be valued if totaled?
  • Are there any extra charges for paying monthly?
  • Do you work with a CSR or direct with the agent?
  • Can they help ensure a fair claim settlement?
  • Do they have cheaper tiers of coverage?
  • Do they carry Errors and Omissions coverage?

Why you need to buy insurance

Despite the high insurance cost for a Infiniti EX35 in Fort Worth, insurance is required by state law in Texas and it also provides benefits you may not be aware of.

First, almost all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability in order to drive the car 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.

Second, if your EX35 has a loan, more than likely the lender will require you to have full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank will be required to insure your Infiniti at an extremely high rate and force you to pay a much higher amount than you were paying before.

Third, insurance safeguards both your Infiniti and your assets. Insurance will pay for hospital and medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of an accident. If your Infiniti gets damaged, your insurance policy will pay to repair the damage.

The benefits of insuring your car are definitely more than the cost, especially for larger claims. As of last year, the average driver in Texas overpays more than $825 a year so compare rate quotes once a year at a minimum to help ensure money is not being wasted.

Educate yourself about auto insurance coverages

Having a good grasp of your auto insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average auto insurance policy.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as X-ray expenses, doctor visits, chiropractic care and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays for damage to your EX35 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to choose a higher deductible on your EX35 to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, fire damage, hitting a deer, damage from flooding and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle's damage.

Since many Texas drivers only carry the minimum required liability limits (30/60/25), their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy's liability coverage.

Coverage for liability

This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people's claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 30/60/25 that translate to $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, repair bills for other people's vehicles, attorney fees and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible. Texas state minimum liability requirements are 30/60/25 but you should think about purchasing more liability than the minimum.

The illustration below demonstrates why buying the state minimum limits may not be enough.

A conclusion for your auto insurance search

When shopping online for auto insurance, it's very important that you do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage only to regret that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the best cost while still protecting your assets.

More affordable auto insurance in Fort Worth is definitely available both online and with local Fort Worth insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies may not provide online rate quotes and most of the time these small insurance companies provide coverage only through independent agencies.

We just covered a lot of techniques to shop for Infiniti EX35 insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even discover the best price on auto insurance is with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Steps to finding low-cost Infiniti EX35 insurance in Fort Worth

It takes a little time, but the best way to get the cheapest Infiniti EX35 insurance is to start comparing rates regularly from companies in Fort Worth. You can compare prices by following these steps.

  1. Try to learn about how car insurance works and the factors you can control to prevent expensive coverage. Many factors that result in higher rates such as inattentive driving and a poor credit rating can be controlled by improving your driving habits or financial responsibility.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while independent agents can provide rate quotes for many different companies.
  3. Compare the new rate quotes to the premium of your current policy to determine if you can save on EX35 insurance in Fort Worth. If you can save money, make sure there is no coverage gap between policies.

One tip to remember is to make sure you enter the same level of coverage on every quote and and to look at as many carriers as you can. Doing this enables a fair rate comparison and a complete price analysis.

Additional auto insurance information can be read on the following sites: