Infiniti brand overview
How did this luxury Japanese automaker get its start? Infiniti was founded in 1989 as a division of Nissan. This was around the same time that Nissan’s Japanese rivals Toyota and Honda were launching their own luxury vehicle divisions (Lexus and Acura, respectively).
The year it was established, Infiniti quickly expanded into North America and is now primarily served by the North American, Chinese, and Middle Eastern markets.
Infiniti debuted with two passenger cars, the Q45 and the M30. Since then, its lineup has grown to include a variety of luxury sedans, coupes, crossovers, and SUVS, including the best-selling QX60 SUV and Q50 sedan.
Infiniti is also working on expanding its hybrid and electric offerings, which all began with a hybrid version of the Q50.
Fun facts about Infiniti
- The brand has stated that its logo has a double meaning. It was created as both a stylized version of a road extending into the horizon, as well as a nod to Mount Fuji, reflecting Infiniti’s Japanese origins.
- In November 2021, Infiniti’s parent company, Nissan, stated that the Infiniti brand will become 100% electric by 2030.
- In 2020, Infiniti relocated its headquarters from Hong Kong to Yokohama, Japan, where Nissan is located.
The most common types of Infiniti car insurance coverage
No matter what model of Infiniti you drive, you must have a valid, up-to-date car insurance policy to hit the road in Canada. When purchasing car insurance, there are several decisions you’ll have to make, namely which coverages you want to include in your policy and how much of each you want to buy. For example, some types of auto insurance coverages are mandatory, such as third party liability or accident benefits, while others are optional, like accident forgiveness or comprehensive coverage. We’ve outlined the most common types of Infiniti car insurance coverage below. However, if you still have questions about the car insurance coverages available in Canada, hiring a broker can help. Insurance brokers are experts in car insurance and can help you find a policy that meets your needs and complies with provincial laws.
Third party liability coverage
Third party liability coverage protects you against the cost of accidental injury or property damage in the event you’re found at fault for a collision. This type of coverage can help pay for medical bills, vehicle repairs, legal counsel, and court fees. It is mandatory in Canada, with each province and territory having a minimum coverage requirement.
Accident benefits coverage
Accident benefits coverage is also compulsory in Canada. It offers protection should you, a passenger, or a pedestrian require medical attention following a collision. Regardless of which party is at fault for the accident, the policyholder can still receive compensation under the accident benefits portion of their policy.
Collision coverage protects the policyholder if they are involved in an accident with another car or object. This type of coverage can help the driver pay for the cost of property damage, such as vehicle repairs. However, it does not cover medical expenses related to any injuries suffered (medical expenses covered under the accident benefits portion of your policy, which is mandatory). Collision coverage is optional in Canada.
To protect yourself against a whole host of circumstances beyond collisions, comprehensive coverage can help. Infiniti drivers may choose to buy comprehensive coverage for the added peace of mind it offers. When you include comprehensive coverage in your car insurance policy, your vehicle can be protected against theft, vandalism, fire, water damage, and more.
Accident forgiveness coverage
If you purchase this type of optional insurance coverage, then your premium won’t go up after your first at-fault collision.
Direct compensation coverage
If you suffer an injury or your car is damaged in a collision that was not your fault, you are covered under the direct compensation portion of your policy. Direct compensation coverage is mandatory in Canada.
Uninsured automobile coverage
Lastly, uninsured automobile coverage is also compulsory. It seeks to protect you and any passengers in your vehicle if you get into an accident with an at-fault driver who is uninsured or underinsured.
How Infiniti insurance premiums are calculated
Calculating insurance premiums is a complex business. Insurance companies consider a wide range of factors, some of which are within your control, like your claims history and driving record, and some of which are out of your control, like your age, gender, and location. Plus, insurance providers don’t weigh these factors equally, so quotes from multiple insurance companies are unlikely to be the same. This is why shopping around and obtaining multiple quotes is crucial to finding the most competitive car insurance rate (and BrokerLink can help!). To learn more about the most common factors influencing how much you pay for Infiniti car insurance, keep reading.
Age is one of the top factors used to calculate insurance premiums. Young drivers typically pay the most for car insurance since they have minimal driving experience. Conversely, seniors, who often have decades of driving experience, may also pay more for car insurance because the data reveals drivers over the age of 60 are more likely to get into accidents.
When calculating your insurance premium, an insurance company will ask for your address. This helps them gauge where in the country you will be driving your vehicle. Infiniti drivers that live in busy metropolitan areas like Toronto, Montreal, or Vancouver, typically pay more for insurance. Traffic is usually higher in populous areas, which increases your odds of getting into an accident, especially if you drive during rush hour. In contrast, Canadian drivers who live in rural parts of the country may pay less for car insurance. Finally, if you live in a part of Canada prone to climate related incidents, your insurance premium may also be affected.
Driving experience is another factor used to calculate insurance premiums. Generally speaking, the more driving experience you have, the better. The reason young drivers pay such high premiums is that they have little to no experience behind the wheel.
An insurer will also ask to see your driving record. From a driving record, an insurance provider can assess your risk level. The cleaner your driving record, the safer and responsible you seem, and the less risk you pose. Conversely, if you have a poor driving record filled with speeding tickets, DUIs, and accidents, then you may be deemed a high risk driver and your insurance may cost more accordingly.
The make, model, and year of the vehicle you drive is one final factor used to calculate car insurance rates in Canada. The rule of thumb is the more expensive the car, the more it will cost to insure. This is because the cost of repairs and parts on expensive cars is typically higher. Since Infiniti is a luxury vehicle brand, most models tend to be more expensive. However, there are significant price discrepancies between models. For example, insuring a 2022 Q50 may cost less than insuring a 2022 QX80, which retails for almost double the price.
How to save money on Infiniti auto insurance
Car insurance can be costly, but there are ways to reduce how much you spend on it. With the help of a reputable insurance broker like BrokerLink, you can save money on your Infiniti car insurance. Our expert insurance advisors have compiled a list of their best tips and tricks for saving money on car insurance. Never pay more for Infiniti auto insurance than you have to by following the tips below.
- Purchase car insurance for multiple vehicles together (savings of up to 20%)
- Buy multiple insurance policies (travel insurance + car insurance, leisure vehicle insurance + car insurance, etc…) from the same provider (savings of up to 15%)
- Increase your deductible
- Enrol in driving school (for new drivers)
- Purchase an eco-friendly (hybrid or electric) Infiniti model (savings of up to 10%)
- Pay auto insurance annually rather than monthly
- Install winter tires on your Infiniti
Talk to a BrokerLink insurance advisor about your Infiniti auto insurance
Want to learn more about Infiniti car insurance? You’ve come to the right place!
BrokerLink is staffed with a team of knowledgeable and friendly insurance advisors, each of whom is an expert in the field of car insurance.
So whether you want to discuss policy options, obtain a free quote, or learn more about mandatory car insurance in your province, we can help.
Give us a call to speak with a broker in person, shoot us an email at your convenience, or drop in to one of our many locations throughout Canada and chat with an advisor in person.
No matter how you choose to contact us, the BrokerLink team is eager and ready to be your go-to resource for car insurance.
BrokerLink specializes in finding quality auto insurance solutions for all makes and models of vehicles, including Infiniti. If your top priority is finding car insurance with comprehensive coverage, we’ll make it our top priority too. Alternatively, if you’re looking for the most affordable car insurance for your Infiniti, we’ll make sure to find a policy within your budget.
We also invite Canadian drivers to take advantage of our online car insurance calculator and request a free quote today. Click the “Get a quote” button in the top right-hand corner of this webpage, and you’ll receive an accurate and competitive quote on your Infiniti car insurance in minutes.
What are you waiting for? Begin your car insurance journey today.
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FAQs about Infiniti car insurance
What is the least expensive Infiniti model to insure?
As so many factors are used to determine car insurance rates, it’s difficult to provide a simple answer to this question. While cheaper cars are generally cheaper to insure, your insurance premium will also depend on your age, driving record, claims history, marital status, gender, location, and much more.
If you are looking to minimize how much you pay for Infiniti car insurance, consider one of the less expensive models, like the Q50 sedan or QX50 crossover. You could also think about purchasing an older, used Infiniti model as opposed to a new one, which may also be less expensive to insure.
Should I buy Infiniti car insurance online?
You can certainly purchase Infiniti car insurance online and it is safe to do so. However, shopping for car insurance, whether online or in person, can be a stressful and time-consuming process. That is why we always recommend hiring a broker. An insurance broker like BrokerLink does the work for you. While you’re relaxing with your family on the weekend, we will be browsing coverage options, comparing quotes, and unlocking discounts, in an effort to find you the best coverage at the most affordable rate. Make buying car insurance an entirely hassle-free experience with BrokerLink.
Is Infiniti car insurance compulsory in Canada?
Car insurance is mandatory everywhere in Canada, no matter what vehicle you drive or which province you live in. Therefore, before you hit the road in your new Infiniti, you’ll need to purchase car insurance. Car insurance policies must meet the minimum coverage requirements set by the province or territory in which you reside. Requirements vary from province to province, so be sure to research this in advance of choosing a policy. Driving without insurance in Canada can result in fines and even jail time. To ensure you’re purchasing a policy that complies with provincial law, and to find the most competitive rate for your Infiniti car insurance, contact BrokerLink.
*This article is in no way sponsored, endorsed, or associated with Infiniti.