2019 Lexus NX 300h Car Insurance Rates in 2024 – 7 Tricks for Cheaper Quotes

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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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No normal person likes paying for car insurance, in particular when they could find better rates elsewhere.

Because you have many online and local companies to choose from, it’s difficult to locate the lowest cost insurance company.

You should make it a habit to shop coverage around yearly because car insurance prices change regularly. Even if you think you had the lowest rates for NX 300h coverage six months ago there is a good chance you can find better premium rates now. Forget all the misinformation about car insurance because we’re going to demonstrate the things you must know in order to reduce your cost while improving coverage.

How to shop car insurance online

Effectively comparing car insurance prices can be exhausting if you don’t understand the easiest way. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use online quotes to achieve your goal.

Most car insurance companies participate in an industry program that allows shoppers to enter their policy data once, and each participating company returns a competitive quote. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To compare rates now enter your zip code here.

One minor caveat to doing it this way is you don’t know exactly the providers to receive prices from. So if you prefer to choose specific insurance companies to request quotes from, we have a page of low cost car insurance companies in your area. Click to enter zip code.

The method you choose is up to you, but double check that you are using identical coverage limits for every company. If you compare different coverage information you will not be able to make a fair comparison for your Lexus NX 300h. Even a minor difference in coverage limits could skew the results. And when price shopping your coverage, having more price comparisons helps locate the best price. Not every company does quotes online, so it’s recommended that you also compare prices from them as well.

Are you falling for claims of savings?

Auto insurance companies such as Progressive, Allstate and GEICO continually stream television and radio advertisements. All the ads seem to make the promise that people will save if you switch your coverage to them. How does every company have lower policy pricing? It’s all in the words they use.

All companies provide the lowest rates for the type of driver that will most likely be profitable. For example, this type of risk profile might have to be between 25 and 40, has no driving citations, and drives less than 5,000 miles a year. Any person who fits that profile will get a cheap rate quote and will most likely save a lot of money.

Drivers who don’t qualify for those criteria will have to pay a higher premium which translates to business going elsewhere. The trick companies use is to say “drivers that switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make those statements. Because of this risk profiling, you should get price quotes at each policy renewal. It’s not possible to predict which company will have better rates than you’re paying now.

These seven discounts can lower your car insurance quotes

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specifically requested before being credited.

  • Sign Early and Save – A few companies offer discounts for renewing your policy before your current policy expires. This discount can save up to 10%.
  • Professional Memberships – Being a member of qualifying clubs or civic groups may earn a discount on your policy.
  • Online Discount – A few larger online companies may give you up to $50 for buying your policy on their website.
  • College Student Discount – Any of your kids who are attending college and don’t have a car could get you a discount.
  • Military Deployment Discount – Having a family member in the military could trigger a small discount.
  • Driver Safety – Passing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Telematics Data – People who choose to allow driving data submission to study when and where they use their vehicle by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.

As is typical with insurance, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will reduce the amount you pay for coverage.

Some of the larger companies that may include most of the discounts above include:

  • Farmers Insurance
  • Esurance
  • State Farm
  • Allstate

It’s a good idea to ask every prospective company which credits you are entitled to. Depending on the company, some discounts may not apply in your area.

Different people need different insurance coverages

When choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • What is an SR-22 filing?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my babysitter drive my car?
  • Are split liability limits better than a combined single limit?
  • Am I insured when driving a different vehicle?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Specific coverages for a 2019 Lexus NX 300h

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, rock chips in glass, vandalism and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This coverage can cover damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like medical expenses, court costs, loss of income, pain and suffering and attorney fees. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for things like EMT expenses, chiropractic care, hospital visits and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto collision coverage

This coverage will pay to fix damage to your NX 300h caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Saving money is sweet as honey

When getting insurance coverage quotes online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at a price you can afford.

Lower-priced insurance is possible on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide price quotes online and many times these smaller companies provide coverage only through local independent agents.

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