2009 Lexus RX 350 Insurance Rates – 8 Tips for Cheapest 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 12, 2022

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Nobody likes paying for insurance, especially knowing their premiums are too high.

Since consumers have many choices of insurance companies, it can be impossible to find the best insurance company.

It is always a good idea to compare prices once or twice a year since rates are variable and change quite frequently. Just because you had the lowest price for RX 350 coverage a couple years back you may be paying too much now. Ignore everything you know about insurance because we’re going to demonstrate the best way to save money, get proper deductibles and limits, all at the lowest rate.

Do you qualify for these eight discounts?

Car insurance can cost a lot, but you can get discounts to help bring down the price. Some discounts apply automatically at the time of quoting, but less common discounts must be requested specifically before they will apply.

  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • Safety Course Discount – Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Sign Online – Certain companies will give a small break for buying your policy on their website.
  • Passive Restraints – Cars that have air bags can qualify for discounts of more than 20%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Lexus can earn better rates on cars that stay parked.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. But all discounts will cut the cost of coverage.

A partial list of companies who might offer some of the above discounts include:

Double check with every prospective company how you can save money. All car insurance discounts might not be offered in your area.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine whether you will benefit from professional help.

  • What is the minimum liability in my state?
  • What is covered by UM/UIM coverage?
  • Can I rent a car in Mexico?
  • Why am I required to buy high-risk coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should I not file a claim?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Learn about insurance coverages for a 2009 Lexus RX 350

Having a good grasp of insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Collision coverage protection

Collision insurance pays for damage to your RX 350 resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from getting keyed, hail damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses like EMT expenses, nursing services and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as legal defense fees, attorney fees, medical services and bail bonds. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Lexus RX 350.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

You can do this!

Throughout this article, we presented a lot of techniques to compare 2009 Lexus RX 350 insurance prices online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best price on insurance is with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Affordable insurance is possible online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.

Much more information about insurance can be found at these links:

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