Save on 2017 Lexus NX 300h Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 25, 2024

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Are you sick and tired of paying out the nose to pay auto insurance each month? You are in the same boat as the majority of other people. Big companies like Allstate, Liberty Mutual and State Farm increase brand awareness with advertising and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

It’s important to compare premium rates every six months because auto insurance prices trend upward over time. Even if you think you had the best quotes for NX 300h insurance a year ago you can probably find a better rate now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the quickest way to find better rates and still maintain coverage.

Discounts for cheaper insurance coverage rates

Companies that sell car insurance don’t always list the entire discount list in an easy-to-find place, so the following list contains a few of the more well known as well as the least known credits available to bring down your rates.

  • Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
  • Buy New and Save – Buying a new car model can get you a discount compared to insuring an older model.
  • Multiple Vehicles – Buying coverage for multiple cars on a single policy can get a discount on all vehicles.
  • Safety Course Discount – Successfully completing a course that instructs on driving safety is a good idea and can lower rates depending on where you live.
  • Good Grades Discount – Maintaining excellent grades may save you up to 25%. You can use this discount normally up until you turn 25.
  • Active Military Service – Being on active duty in the military could trigger a small discount.
  • Telematics Data – Drivers that enable their insurance coverage company to spy on vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they are good drivers.
  • Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.
  • Senior Citizens – Mature drivers may qualify for a small discount on rates for NX 300h insurance.
  • E-sign – Some companies provide a small discount get insurance over the internet.

One last thing about discounts, most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

A few of the larger companies and a partial list of their discounts are included below.

  • GEICO may include discounts for multi-vehicle, emergency military deployment, daytime running lights, anti-lock brakes, and driver training.
  • Auto-Owners Insurance offers discounts for air bags, paid in full, anti-theft, multiple vehicles, anti-lock brakes, student away at school, and paperless.
  • American Family has discounts for defensive driver, early bird, good driver, TimeAway discount, and air bags.
  • Esurance has savings for multi-car, renters, claim free, anti-theft, safety device, Pac-12 alumni, and multi-policy.
  • Progressive may have discounts that include multi-vehicle, good student, multi-policy, homeowner, continuous coverage, and online signing.
  • State Farm policyholders can earn discounts including good student, defensive driving training, accident-free, driver’s education, multiple policy, and Steer Clear safe driver discount.
  • AAA offers premium reductions for education and occupation, multi-policy, AAA membership discount, anti-theft, and good student.

Double check with every company which discounts they offer. Some credits may not apply in your area. If you would like to choose from a list of companies with discount rates, enter your zip code here.

Cheap insurance quotes

Shopping for lower insurance rates can be challenging if you don’t know the easiest way. You can waste hours discussing policy coverages with agents in your area, or you could use the internet to get the quickest rates.

Many of the larger companies take part in a program that enables customers to send in one quote, and each company returns a competitive quote based on the submitted data. This saves time by eliminating form submissions for every insurance company.

To find out how much you’re overpaying now enter your zip code here.

The single downside to pricing coverage this way is you are unable to specify which companies to receive prices from. If you would rather choose individual companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click to enter zip code.

Whichever method you choose, make absolute certain that you use nearly identical deductibles and coverage limits for every company. If each company quotes different deductibles it’s impossible to truly determine the lowest rate.

You may need specialized auto insurance coverage

When choosing adequate coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might point out if you could use an agent’s help.

  • Is business equipment covered while in my vehicle?
  • Is my custom paint covered by insurance?
  • Do I pay less for low miles?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my dog or cat covered if injured in an accident?
  • Is my camper covered by my car insurance policy?
  • Can I rent a car in Mexico?
  • Should I buy additional glass protection?
  • What if I total my 2017 Lexus NX 300h and owe more than it’s worth?
  • When should my teen driver be added to my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, fill out your zip code. It is quick, free and may give you better protection.

The coverage is in the details

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Lexus NX 300h.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses for things like EMT expenses, hospital visits and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, funeral expenses and court costs. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – This coverage will pay to fix damage to your NX 300h resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, rolling your car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Stretch your dollar

Some insurance companies may not have the ability to get quotes online and many times these small, regional companies provide coverage only through independent agencies. Cheaper 2017 Lexus NX 300h insurance is definitely available online in addition to many insurance agents, so you should compare both so you have a total pricing picture.

We covered many tips how you can lower your 2017 Lexus NX 300h insurance premium rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest premium rates come from a small local company. They may only write in your state and offer lower prices than the large multi-state companies such as GEICO and State Farm.

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