Best Lubbock Infiniti FX35 Insurance

  1. Home
  2. >
  3. Lubbock Auto Insurance
  4. >
  5. Infiniti FX35

Insurance quote for Infiniti FX35 in LubbockTired of not being able to scrape enough together each month for insurance? You're in the same situation as the majority of other drivers in Texas.

Unthinkable but true, most insurance policyholders in Texas have stayed with the same insurance company for at least four years, and just under half have never quoted insurance rates at all. Drivers in America could save almost 47% every year just by comparing rates, but most undervalue the large savings they would see if they changed companies.

Because you have many companies to choose from that have lower-cost insurance for an Infiniti FX35 in Lubbock, it can be hard to find the cheapest insurance provider.

It is always a good idea to check insurance prices before your next renewal because insurance prices change frequently. Even if you got the best deal on Infiniti FX35 insurance in Lubbock on your last policy you can probably find a better rate quote now. Forget all the misinformation about insurance because it's time to teach you how to quote online to find lower rates on insurance.

Buying the cheapest insurance in Lubbock can be much easier if you know how to start. Essentially every person who needs lower cost insurance will more than likely find a cheaper policy. But Texas vehicle owners must learn the methods companies use to market insurance on the web and use this information to your advantage.

When price shopping your coverage, comparing more prices helps improve the odds of finding the best price.

The providers in the list below are ready to provide price comparisons in Texas. If multiple companies are listed, we recommend you visit two to three different companies to get the most affordable price.

Cheap Lubbock auto insurance quotes with discounts

Some companies do not advertise every policy discount very well, so the list below contains a few of the more common as well as some of the hidden discounts that you can inquire about if you buy Lubbock auto insurance online.Save money with discounts

  • Own a Home - Owning a house in Lubbock may trigger a policy discount on auto insurance because owning a home shows financial diligence.
  • Paperwork-free - A handful of larger companies will give you a small discount for buying a policy and signing up on the web.
  • Discounts for Federal Employees - Being employed by or retired from a federal job could qualify for a slight premium decrease with a few auto insurance companies.
  • Save with a New Car - Buying a new car model can save up to 30% because newer vehicles are generally safer.
  • College Student - Older children living away from Lubbock attending college without a vehicle on campus could qualify for this discount.

One thing to note about discounts is that most credits do not apply to the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies don't profit that way.

The illustration below illustrates the difference between Infiniti FX35 insurance premiums with and without discounts. The premiums assume a female driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, multi-car, and homeowner discounts applied.

Some of the larger companies that may have these discounts possibly include:

Check with every company to apply every possible discount. Savings might not be available to policyholders in your state.

Rates and data analysis

The information displayed next covers estimates of insurance premium costs for Infiniti FX35 models. Understanding how auto insurance policy rates are formulated can help customers make smart buying decisions.

Infiniti FX35 Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
FX35 2WD 4-Dr $196 $414 $486 $28 $146 $1,270 $106
FX35 AWD 4-Dr $196 $414 $486 $28 $146 $1,270 $106
Get Your Own Custom Quote Go

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in specific garaging location which can lower or raise premium rates substantially.

Should you raise deductibles?

A question often asked by Lubbock drivers is the level to set your comp and collision deductibles. The comparisons below summarize the differences in price of buying low and high policy deductibles. The first set of prices uses a $100 physical damage deductible and the second set of prices 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 $412 $804 $430 $26 $128 $1,825 $152
FX35 AWD 4-Dr $412 $804 $430 $26 $128 $1,825 $152
Get Your Own Custom Quote Go
Infiniti FX35 insurance premium estimates with $500 deductibles
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

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Information does not factor in zip code location which can impact prices significantly.

Based on the above data, using a $100 deductible costs an average of $33 more each month or $396 every year than requesting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 12 months between claims, you would probably save some money if you choose the higher deductible. The table below shows an example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $152
Average monthly premium for $500 deductibles (subtract): - $119
Monthly savings from raising deductible: $33
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

An important sidenote is that a higher deductible means you will have to pay more of your own money if you have a claim. It will be required that you have access to more funds in order to pay the deductible for vehicle repair.

The illustration below illustrates how choosing a deductible and can change Infiniti FX35 insurance prices for each different age group. The premiums are based on a single female driver, full coverage, and no other discounts are factored in.

Insurance agents near you

Some consumers would prefer to buy from a licensed agent and that is recommended in a lot of cases One of the benefits of comparing insurance prices online is you can get the lowest rates and also buy local.

For easy comparison, once you complete this form (opens in new window), your information is transmitted to local insurance agents in Lubbock who can give free rate quotes for your business. There is no reason to search for an agent since price quotes are sent immediately to you. You'll get the best rates without requiring a lot of work. In the event you want to get a rate quote from a particular provider, don't hesitate to navigate to their website and submit a quote form there.

Deciding on an company should include more criteria than just a cheap price quote. Any agent in Lubbock should have no problem answering these questions:

  • What is their Better Business Bureau rating?
  • Do they assist clients in filing claims?
  • Can you get a list of referrals?
  • How often do they review policy coverages?
  • Has the agent ever had any license suspensions?
  • Where would your vehicle be repaired?
  • Are they able to influence company decisions when a claim is filed?

The following is a list of insurers in Lubbock that can give you price quotes for Infiniti FX35 insurance in Lubbock.


4202 Avenue Q - Lubbock, TX 79412 - (806) 747-2400 - View Map


2026 82nd St #103 - Lubbock, TX 79423 - (806) 783-0831 - View Map


5241 98th St - Lubbock, TX 79424 - (806) 792-5564 - View Map


2418 19th St - Lubbock, TX 79401 - (806) 799-1628 - View Map

View more Lubbock agents

Smart Consumers Can Reduce Insurance Rates

Lots of things are used in the calculation when you get a price on insurance. Some are pretty understandable like your driving record, but others are less apparent such as your marital status or your vehicle rating.

The list below includes some of the major factors that factor into premiums.

Cheaper rates after marriage - Being married may save some money when buying car insurance. Having a significant other generally demonstrates drivers are more stable financially and statistics prove married drivers tend to have fewer serious accidents.

More people means more accidents - Residing in less populated areas has definite advantages when talking about car insurance. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft.

Raising coverage deductibles saves money - Deductibles for physical damage are how much the insured will be required to pay in the event of a claim. Physical damage coverage, also called 'full coverage', covers damage that occurs to your car. Some instances where coverage would apply would be collision with another vehicle, animal collisions, and damage from wind. The more expense you have to pay, the better rate you will receive.

Pay more by driving carelessly - Drivers with clean records pay lower auto insurance prices as compared to careless drivers. Only having one speeding ticket or other violation may cause rates to rise by twenty percent. Drivers who have gotten severe citations such as DUI or reckless driving may be required to submit a SR-22 form with their state in order to legally drive.

The diagram below demonstrates how citations and fender-benders drive up Infiniti FX35 annual premium costs for different age categories. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Choosing Infiniti FX35 insurance is an important decision

Despite the potentially high cost of Infiniti FX35 insurance, buying car insurance may be required and benefits you in several ways.

  • Almost all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability insurance coverage if you don't want to risk a ticket. 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 bought your FX35 with a loan, more than likely the lender will stipulate that you buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender will be forced to insure your Infiniti at a significantly higher premium and force you to reimburse them much more than you were paying before.
  • Car insurance protects both your Infiniti FX35 and your personal assets. It will also pay for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if someone files suit against you as the result of an accident. If you have damage to your Infiniti as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of insuring your car definitely exceed the cost, especially when you need to use it. As of last year, the average driver in Texas is wasting up to $855 a year so compare quotes from several companies at least once a year to make sure the price is not too high.

You can find cheaper coverage

There are still a few companies who may not offer the ability to get a quote online and usually these small insurance companies work with independent insurance agencies. Lower-priced car insurance in Lubbock can be found online as well as from insurance agents, so you need to compare both to get a complete price analysis.

As you prepare to switch companies, don't be tempted to skimp on coverage in order to save money. There have been many cases where an accident victim reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price, not the least amount of coverage.

How to find low-cost rates for Infiniti FX35 insurance in Lubbock

The best way to find the cheapest price for Infiniti FX35 insurance in Lubbock is to start comparing rates regularly from insurance carriers in Texas. You can compare prices by following these guidelines.

  • Step 1: Try to learn a little about how insurance works and the modifications you can make to keep rates in check. Many rating criteria that drive up the price like multiple speeding tickets and a less-than-favorable credit rating can be amended by paying attention to minor details.
  • Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while independent agents can quote prices for a wide range of companies. View rates
  • Step 3: Compare the quotes to your existing policy to see if a cheaper rate is available in Lubbock. If you can save some money, make sure there is no coverage gap between policies.

A good piece of advice is to make sure you're comparing the same coverage limits and deductibles on each price quote and and to get quotes from every company you can. Doing this guarantees an accurate price comparison and a complete price analysis.

Other learning opportunities