Save on 2019 Lexus RX 350 Insurance Rates 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 28, 2024

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No sane person anticipates paying for car insurance, especially knowing the cost is too high. Due to the large number of insurance companies to choose from, it can be hard to choose the lowest price car insurance company.

Discounts can really help save money

Not too many consumers would say car insurance is affordable, but you can get discounts to reduce the price significantly. Most are applied when you purchase, but occasionally some discounts must be specially asked for prior to getting the savings.

  • Government Employees – Employees or retirees of the government can save as much as 8% on RX 350 coverage but check with your company.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
  • Bundled Policy Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you could earn a discount of up to 20% and get you the cheapest car insurance.
  • Accident-Free Discounts – Insureds who avoid accidents and claims pay less when compared to insureds who have frequent claims or accidents.
  • Homeowners Discount – Owning a house can save you money since home ownership requires a higher level of personal finance.

It’s important to note that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

For a list of insurers who offer cheap car insurance quotes, enter your zip code here.

How do insurers determine Lexus RX 350 insurance rates?

It’s important that you understand some of the things that are used to determine your policy premiums. When you understand what controls the rates you pay, this enables you to make decisions that may reward you with lower premium levels. Multiple criteria are part of the calculation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although others are not as apparent like your continuous coverage or your financial responsibility.

Listed below are a partial list of the pieces used by companies to determine your rate level.

  • Rates can drop if you have more than one policy – The majority of insurance companies give a discount to insureds that buy multiple policies such as combining an auto and homeowners policy. Even if you qualify for this discount already, you still need to compare other insurance prices to verify if the discount is saving money.
  • Traffic violations are costly – Whether or not you get tickets has a big impact on rates. Only having one citation can increase the cost of insurance to the point where it’s not affordable. Attentive drivers receive lower rates than bad drivers. Drivers unfortunate enough to have careless violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state in order to prevent their license from being revoked.
  • Do you save by driving less? – The more you drive your Lexus in a year the higher your rates will be. A lot of companies apply a rate based on their usage. Vehicles that have low annual miles can be on a lower rate level than those that get driven frequently. A policy that improperly rates your RX 350 is throwing money out the window. Verify your insurance declarations sheet reflects the right rating data.
  • Better rates on cars with good safety ratings – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles protect occupants better and better occupant protection translates directly to fewer claims passed on to you as lower rates. If your Lexus RX 350 earned at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Higher prices for tough occupations – Occupations such as doctors, airline pilots and stock brokers tend to have the highest rates attributed to intense work requirements and extremely grueling work hours. On the other hand, occupations like actors, engineers and the unemployed get better rates on RX 350 coverage.

Will just any policy work for me?

When it comes to buying the best insurance coverage, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is rental equipment covered for theft or damage?
  • How can I get high-risk coverage after a DUI?
  • Do I need an umbrella policy?
  • What is no-fault insurance?
  • Where can I get insurance after a DUI in my state?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Beware of misleading auto insurance ads

Drivers can’t escape the ads that claim the cheapest prices from the likes of Progressive, Allstate and GEICO. They all seem to try to convey promises of big savings if you get a free car insurance quote and switch your coverage.

It sounds good, but how can they all offer you a better deal?

All companies look for specific characteristics for the right customer that will most likely be profitable. An example of a desirable risk might be married and over the age of 30, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” will probably get the lowest premium rates and therefore will save when switching.

Insureds who do not fit the requirements may be required to pay a more expensive rate and this can result in the customer not purchasing. If you listen closely, the ads state “people that switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can make claims like that. Because each company has a different risk profile, drivers should do a rate comparison at every renewal. It is just not possible to predict the company that will have the lowest rate quotes.

Car insurance coverage basics

Having a good grasp of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by car insurance companies.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Lexus RX 350.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like rehabilitation expenses, EMT expenses, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverages – Collision coverage pays for damage to your RX 350 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 sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance – Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like loss of income, pain and suffering, legal defense fees, attorney fees and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage – This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, hitting a deer, damage from a tornado or hurricane, fire damage and hail damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a smart shopper

When getting car insurance quotes online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice collision coverage only to regret that it was a big mistake. Your goal should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Some insurance companies may not have rates over the internet and usually these smaller providers work with independent agents. Cheaper 2019 Lexus RX 350 insurance is definitely available from both online companies in addition to local insurance agencies, so compare prices from both in order to have the best price selection to choose from.

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