Best 5 Cheap Online Car Insurance Chicago to Get With No Down Payment for Infinity (Q50, G37, Q60)

Owning a luxury vehicle like an Infinity Q50, G37, or Q60 can be a rewarding experience. However, insuring one of these high-end rides also comes with a hefty insurance premium, especially in a major metro area like Chicago. The good news is there are still ways to secure affordable coverage for your Infinity without skimping on protection or service.

This comprehensive guide examines the best low-cost car insurance options in Chicago tailored to Infinity owners. We’ll provide an overview of factors that determine your insurance rates, dive into detailed reviews of top insurers, and offer money-saving tips to get the optimal coverage at the best price. Read on to make an informed decision on the right cheap car insurance for your prized Infinity vehicle.

Top-Rated & Affordable: Best 5 Car Insurance Options in Chicago

• State Farm: Offers competitive car insurance rates and online quotes, catering well to both new and young drivers.
• Geico: Known for cheap car insurance quotes and a user-friendly online platform for managing policies.
• Allstate: Provides a range of full coverage options near you, with a strong reputation as one of the best insurance companies.
• Country Financial: Offers personalized service and competitive rates, ideal for those seeking car insurance quotes online.
• Liberty Mutual: Features a no deposit car insurance option, appealing rates, and is well-suited for young drivers.

How Car Insurance Rates Are Determined

Numerous variables affect what you’ll pay for Chicago car insurance coverage. Insurance companies evaluate these criteria to estimate your risk profile as a driver and price your policy accordingly. Here are some of the main rating factors:

Driving Record - Drivers with recent accidents, speeding tickets, DUIs, or other infractions are deemed higher risk and charged higher premiums. A clean driving history can significantly reduce what you pay.

Location - Insurance rates are calculated based on your garaging address and the areas you drive regularly. Urban regions like Chicago have higher accident frequencies and costlier claim payouts that drive up premiums.

Age & Gender - Statistically, younger drivers and males are associated with more claims. Teen drivers and males under 25 tend to pay the highest auto insurance rates.

Vehicle Type - Insuring luxury cars costs more due to their higher value and repair costs. Sports cars also draw higher premiums due to speed and accident susceptibility.

Coverage Limits - Minimum liability coverage may meet state requirements but provides limited protection. More robust coverage with higher limits costs more upfront.

Deductible - Choosing a higher deductible reduces monthly premiums but increases out-of-pocket costs if you file a claim.

Credit Score - Drivers with poor credit are perceived as more high-risk and charged higher premiums by most insurers.

Discounts - Most insurers offer discounts for factors like good student status, defensive driver courses, multi-policy bundling, and more that can lower your costs.

With these rating variables in mind, what are the best ways to get cheap car insurance for your Infinity in Chicago? Here are some tips:

• Maintain a clean driving record - Avoid accidents, traffic violations, and other infractions to keep rates as low as possible.
• Ask about discounts - Inquire with insurers about any discounts you may qualify for to reduce premiums.
• Raise deductibles - Accept higher out-of-pocket costs in a claim situation to lower monthly premium costs.
• Limit coverage - Consider dropping comprehensive/collision coverage on older cars worth less than ten years of premiums.
• Compare quotes - Shop and compare rates from multiple insurers to find the best price for your situation.
• Improve credit - Fixing errors on your credit report and improving your score can significantly lower premium costs.
• Bundle policies - Insure multiple vehicles/policies with the same provider to maximize multi-policy discounts.

While individual circumstances vary, following these tips can help you secure the most affordable auto insurance coverage possible for your Infinity vehicle in the Chicago area.

Top 5 Cheap Car Insurance Providers in Chicago for Infinity Owners

Now, let’s take a closer look at five highly rated insurers offering competitively priced policies tailored to Infinity owners in the Chicago metro.

State Farm

State Farm is one of the largest and most reputable insurance companies in the U.S., with over 90 million policies in force. Here are some of their key advantages for budget-minded Infinity drivers:

• Competitive base rates – State Farm offers relatively low starting premiums before discounts for drivers with clean records.
• Good student discount – Full-time students under 25 with a B average or better can save up to 25%.
• Drive Safe & SaveTM – Allows policyholders to save up to 50% by sharing driving data through program devices.
• Multi-policy discounts – Bundling home and auto insurance together can lower premiums up to 17%.
• Superior financial strength – State Farm has paid dividends to auto policyholders for decades, benefitting long-term customers.

Though not the absolute cheapest, State Farm provides strong value, great service, and policyholder dividends that make it a smart choice for affordable Infinity insurance in Chicago.

Geico

Known for highly competitive premium pricing, Geico is another go-to option for discount Infinity insurance in the Windy City. Key perks include:

• Lower average rates – Geico customers nationwide pay less on average compared to competitors.
• Good driver discount – Drivers accident-free for 5+ years save up to 26% on their premium.
• Vehicle safety features discount – Cars with airbags, anti-lock brakes, and anti-theft systems qualify for significant savings.
• Multi-policy discounts – Insure homes and vehicles together with Geico for added savings.
• Military discount – Active and former military members save on their policy premiums.
• Usage-based program – Geico’s DriveEasy app rewards safe driving with policy discounts of up to 20%.

With some of the lowest rates and easiest quoting/buying experience, Geico should be high on your list when shopping for affordable Chicago Infinity insurance. The key downside is less personalized service than smaller insurers.

Allstate

As the second largest U.S. auto insurer, Allstate has a proven track record of insuring all types of vehicles for over 88 years. Here are some standout benefits for Infinity owners:

• Accident forgiveness – Your premium won’t increase from your first at-fault accident if you have this coverage.
• New car replacement – Get the value of a brand new Infinity if yours is totaled in the first year of ownership.
• Custom parts value – Higher claim payouts for aftermarket parts and modifications like custom wheels, sound systems, etc.
• Bundling options – Allstate offers homeowners and renters insurance to further reduce premium costs.
• Telematics program – Allstate’s Drivewise can help save up to 30% on safe driving habits.

Though not always the most affordable, Allstate remains competitive for Chicago Infinity Insurance while providing stellar service, abundant discounts, and a wide variety of coverage options.

Country Financial

Founded in 1925, Country Financial is a highly-rated regional insurer known for outstanding customer service and community involvement. Policy highlights include:

• Loyalty discount – Save up to 15% just for renewing your policy consecutively for years.
• Paid-in-full discount – Pay annual premium upfront for additional savings.
• Auto-deduct discount – Sign up for recurring auto-pay from your bank account to lower costs.
• Vanishing deductible – Earn $100 off your deductible each year you remain claims-free.
• Multi-line discount – Bundle home and auto policies to maximize savings.
• Local agents – Get personalized guidance from a Country Financial rep in your community.

Country Financial may not have name recognition of top national brands, but provides top-notch service, competitive pricing, and advantages for long-term policyholders making them a quiet contender for Chicago Infinity insurance.

Liberty Mutual

Rounding out our top picks is Liberty Mutual, the sixth-largest property and casualty insurer in the U.S. As a premier provider, they offer:

• Accident forgiveness – Avoid premium hikes from your first at-fault accident.
• New/young car discounts – Extra savings for factory-new Infinity models or youthful policyholders.
• Home insurance discounts – Bundling home and auto coverage can lower rates by up to 12%.
• Enhanced coverage options – From OEM parts replacement to roadside assistance, customize protection.
• BBB Accredited – Liberty Mutual maintains top marks for service quality and responsiveness.

Liberty Mutual gives you expansive ways to tailor coverage for your Infinity while offering competitive pricing, especially with multi-policy and safe driver discounts. Their strong financial backing also provides peace of mind.

Key Factors to Consider When Choosing an Insurer

Beyond premium costs, make sure to weigh other aspects as you compare insurance providers and policies for your Infinity vehicle:

Customer Service Reputation

How an insurer handles claims, responds to customer issues, and overall satisfaction ratings are telling. It’s worth paying a bit more for a company known for superior service when you have an issue or loss. Review sites like BBB and consumer sites like J.D. Power ratings provide insights.

Discounts Offered

Most insurers offer common discounts like good student, safe driver, and multi-policy bundling. But some provide additional ways to save, like usage-based programs, affinity group memberships, anti-theft devices, and more. Identify discounts unique to you that can lower costs.

Coverage & Limits

While minimum liability meets state requirements, it has significant gaps. Review coverage options like comprehensive, collision, rental reimbursement, and roadside assistance to customize protection. Also examine limits to ensure adequate coverage for your Infinity's value. Higher limits cost more but reduce personal risk.

Financial Strength

Insurers with strong financial ratings from agencies like AM Best are more capable of paying out large claims. Choosing a financially stable provider is crucial when insuring a higher-value vehicle.

Local Agent Availability

Many people appreciate having the guidance and personalized service of a local agent there to assist them when needed. Insurers like Allstate, State Farm, and Country that use local agents may appeal to you if this is a priority.

Comparing insurers across these metrics beyond just price can help you find the best value tailored to your coverage priorities and risk tolerance.

FAQ on Cheap Infinity Insurance in Chicago

Below, we’ve compiled answers to some frequently asked questions to help you learn more about securing affordable coverage for your Infinity sedan or coupe in the Chicago area.

How much is insurance for an Infinity Q50 in Chicago?

Average insurance costs for an Infinity Q50 in Chicago run from $220 to $350 per month based on factors like driver age, record, chosen limits, and deductibles. Teens and those with infractions pay towards the higher end, while older drivers with clean records see rates near the lower pricing.

What’s the cheapest car insurance for a 22-year-old with an Infinity in Chicago?

For 22-year-old Chicago drivers, Geico and State Farm tend to offer the most affordable rates on Infinity insurance at around $250 per month for basic coverage. Raising deductibles, completing defensive driver courses, and maintaining a clean record can further reduce costs.

How much extra does insurance cost for a Q60 convertible vs coupe?

Convertible Infinity models like the Q60 have higher insurance premiums, about $50 more per month versus the coupe version. Convertibles have an increased risk of weather damage, break-ins, and claims costs, leading to pricier insurance.

Can I get cheap, full coverage for my modified Infinity G37?

You can still find reasonably priced full coverage options for a modified G37, but expect to pay more. Insurers associate aftermarket parts and customizations with higher claims risk and repair costs. Focus on providers like Allstate that offer higher custom parts coverage to offset higher premiums for mods.

What discounts should I ask about to lower my Infinity premium?

Top discounts to inquire about include multi-car, multi-policy bundling, good student, defensive driving course completion, good driver, low mileage, anti-theft devices, overall payment discounts like auto-pay enrollment, and any affinity group or professional organization membership.

Should I drop comprehensive/collision on my old Infinity Q50?

Once your Q50 is around ten years old, it may make sense to remove comprehensive and collision coverage and just carry liability. Weigh the value compared to paying ten years of premiums. This allows for lowering costs while still having liability protection. Just be prepared to self-fund repairs or replacements in a crash.

Key Takeaways

We hope this detailed guide better informs Chicago drivers on how to get quality, low-cost car insurance coverage for Infinity vehicles. Here are some of the key tips:

• Shop and compare quotes from multiple insurers to find the best rates. Premiums can vary significantly for the same driver.
• Ask about all available discounts like multi-policy bundling, safe driver programs, affinity memberships, and more.
• Raise deductibles to reduce monthly costs, understanding you’ll pay more out of pocket for repairs.
• Consider dropping comprehensive/collision on older low-value vehicles to cut premium spending.
• Bundle home or renters coverage with your auto policy to maximize multi-line discounts.
• Maintain a clean driving history free of citations, at-fault accidents, and claims to keep rates low.
• If choosing a higher premium insurer, ensure superior financial strength and customer service.

Finding the sweet spot between affordable premiums and robust coverage for your Infinity means taking the time to research options and identify the best fit based on your budget, risk tolerance, and insurer preferences. With this guide’s insights, Chicago drivers can make an informed choice on tailoring a cheap Infinity insurance policy that provides peace of mind at the lowest possible cost.

Disclaimer: The reviewed car insurance products are stand-alone services, and we have no direct involvement in their quotes or influence over rates and terms. Requesting a car insurance quote does not guarantee approval, and some products may perform other checks. Some car insurance products may not be available in all States. This article provides general information, and although we strive for accuracy, we are not liable for errors or omissions. Some links may be affiliate links, and we may earn commissions if clicked. Verify information independently and seek professional advice before making decisions; use of this article implies acceptance of these terms.