Lower Your 2008 Lexus RX 350 Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 24, 2022

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Want better car insurance rates? Drivers have options when trying to find affordable Lexus RX 350 insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to compare rates. There is a right way and a wrong way to shop for car insurance and you need to know the best way to get price quotes on a Lexus and get the lowest possible price.

How to Compare Auto Insurance Costs

There are a variety of methods to compare 2008 Lexus RX 350 auto insurance prices but there is one way that is easier and takes less work. You could waste a few hours driving to insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

Many popular insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and every company returns a rated price based on that information. This system prevents you from having to do repetitive form submissions for each company.

To find out what other companies charge for 2008 Lexus RX 350 insurance click here (opens in new window).

The one downside to comparing rates this way is you can’t choose the insurers to get quotes from.

It’s up to you which method you use, but make sure you use apples-to-apples coverages for each price quote. If you compare differing limits you can’t possibly find the best deal for your Lexus RX 350.

Auto insurance myths debunked

Consumers constantly see and hear ads for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to have a common claim about savings after switching to their company.

How can each company make almost identical claims?

Different companies are able to cherry pick for the type of driver that makes them money. A good example of a desirable insured could possibly be over the age of 50, has no prior claims, and drives newer vehicles. Any driver who matches those parameters will get the preferred rates and most likely will save when switching.

Potential customers who fall outside the “perfect” profile must pay a higher premium which leads to business going elsewhere. Company advertisements say “people who switch” not “people who quote” save that kind of money. This is how insurance companies can confidently make those claims. This illustrates why drivers must quote coverage with many companies. It is impossible to predict the company that will fit your personal profile best.

Cut your car insurance rates with discounts

Companies don’t necessarily list all their discounts in an easy-to-find place, so we researched both well-publicized and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Memberships – Being a member of a professional or civic organization could trigger savings when shopping for car insurance on RX 350 coverage.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on RX 350 coverage with certain companies.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.

It’s important to note that most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

You are unique and your car insurance should be too

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is high-risk coverage and where do I buy it?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Exactly who is provided coverage by my policy?
  • If I drive on a suspended license am I covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need higher collision deductibles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Lexus RX 350.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft, rock chips in glass and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, dental work, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – This protects you from damages or injuries you inflict on other’s property or people. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as repair bills for other people’s vehicles, emergency aid, funeral expenses, attorney fees and medical services. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Collision – Collision coverage pays for damage to your RX 350 resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, scraping a guard rail, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Quote often and quote early

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. Too many times, someone dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

We just presented quite a bit of information on how to compare 2008 Lexus RX 350 insurance prices online. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest rates come from an unexpected company.

The cheapest insurance is attainable both online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Additional car insurance information can be found at the links below

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