2013 Lexus RX 350 Insurance Rates

Looking for lower insurance rates for your Lexus RX 350? Do you get overwhelmed by the wide range of insurance choices available to you? people have such a vast assortment of choices available that it can quickly become a difficult mission to find better rates.

Informed consumers can cut their insurance premiums

The best way to find cheaper car insurance is to take a look at some of the elements that are used to determine the level of your policy premiums. If you understand what determines premiums, this empowers consumers to make smart changes that could help you find lower premium levels.

The following are some of the things used by insurance companies to determine your rate level.

• Policy add-ons could be costing you – Insurance companies have many extra coverages that may not really be needed but may not be useful. Things like roadside assistance, high-cost glass coverage, and Farm Bureau memberships are probably not needed. They may sound like good ideas when buying your policy, but if you don’t need them get rid of them and save.
• Good drivers pay less – How you drive can have a huge impact on auto insurance premiums. Attentive drivers get better rates than people who have multiple driving citations. Only having one chargable violation can bump up the cost by as much as twenty percent. Drivers who get severe violations such as DUI or willful reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
• Save by driving cars with good safety ratings – Vehicles with high crash test scores get lower rates. Vehicles engineered for safety protect occupants better and any reduction in injury severity translates directly to fewer claims and thus lower rates. If the Lexus RX 350 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
• Liability preserves assets – A critical coverage on your policy, liability insurance kicks in in the event that you are ruled to be at fault for an accident. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.

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How to compare car insurance price quotes

When comparison shopping, there are several ways to obtain and compare prices from lots of car insurance companies. One of the best ways to compare rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

1. The first (and easiest) way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for repetitive form submissions for every company. One form gets rate comparisons from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
2. Another way to analyze rates consists of going to each company’s website and go through the quote process again. For example, we’ll assume you need rates from Farmers, Liberty Mutual and Allstate. You would have to take the time to go to each site and enter your policy data, which can be really labor intensive. To view a list of companies in your area, click here.

Whichever method you choose, ensure you are comparing the same deductibles and coverage limits for every company. If your comparisons have higher or lower deductibles it will be nearly impossible to decipher which rate is best. Quoting even small variations in coverage limits may result in large price differences. And when comparing car insurance rates, know that more quotes will increase your chances of finding the best offered rates. Some companies don’t provide price estimates online, so it’s important to compare prices on coverage from those companies, too.

The ad said I’d save $475 a year!

Big name companies like Geico, State Farm and Progressive consistently run television, radio, and online ads. All the companies make an identical promise that people will save if you change your policy. Is it even possible that every company can charge less that you’re paying now? This is the trick they use.

Most companies give the cheapest rates for the right customer that earns them a profit. An example of a profitable customer could possibly be over the age of 45, has a low-risk occupation, and drives a lower-performance vehicle. A driver who fits those characteristics will probably get the lowest prices and will most likely save some money.

Potential customers who fall outside this stringent profile will probably be forced to pay higher premiums which results in business going elsewhere. The ads state “customers that switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can truthfully lure you into getting a quote.

Each company has different criteria, so it is so important to get auto insurance quotes as often as possible. Because you never know the company that will give you the biggest savings.

Do you qualify for discounts?

The price of auto insurance can be rather high, but you might already qualify for some discounts to cut the cost considerably. A few discounts will be applied when you quote, but some discounts are required to be specially asked for before they will apply.

• Payment Method – If you pay your bill all at once rather than paying in monthly installments you can actually save on your bill.
• Discount for New Cars – Buying a new car model can save up to 30% since new model year vehicles are generally safer.
• Club Memberships – Being a member of a professional or civic organization may earn a discount on your next renewal.
• ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so companies give up to a 10% discount.
• Multi-Vehicle Discounts – Buying a policy with several vehicles with one company may reduce the rate for each vehicle.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more.
• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and leave their car at home could get you a discount.
• Homeowners Discount – Owning a home may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
• Paper-free Discount – Certain larger companies will give you a small discount for buying a policy and signing up digitally online.
• Discount for Swiching Early – Some insurance companies provide a discount for buying a new policy before your current coverage expires. It can save you around 10%.

Policy discounts save money, but most credits do not apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you aren’t that lucky.

A list of companies and the discounts they provide are outlined below.

• Progressive may offer discounts for online signing, online quote discount, homeowner, good student, and multi-policy.
• Geico discounts include daytime running lights, air bags, seat belt use, anti-lock brakes, multi-policy, and driver training.
• State Farm has discounts for defensive driving training, anti-theft, accident-free, safe vehicle, Drive Safe & Save, and Steer Clear safe driver discount.
• Esurance includes discounts for good driver, DriveSense, defensive driver, multi-policy, Pac-12 alumni, multi-car, and renters.
• The Hartford policyholders can earn discounts including anti-theft, vehicle fuel type, driver training, defensive driver, and good student.

Before purchasing a policy, check with every insurance company to give you their best rates. All car insurance discounts might not apply in your area.

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Don’t assume everyone needs the same insurance coverage

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your situation could use an agent’s help.

• What is the ISO rating for a 2013 Lexus RX 350?
• How do I file an SR-22 for a DUI in my state?
• Do I need PIP (personal injury protection) coverage in my state?
• Can I rent a car in Mexico?
• What is the rate difference between pleasure use and commuting?
• What discounts do I qualify for?
• Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverages for a 2013 Lexus RX 350

Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Auto liability – Liability coverage protects you from damage that occurs to other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as court costs, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as hospital visits, nursing services and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from getting keyed and a broken windshield. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – This will pay to fix damage to your RX 350 resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Lexus RX 350.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Affordable insurance is out there

Affordable 2013 Lexus RX 350 insurance can be purchased both online as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who may not offer online quoting and most of the time these smaller companies work with independent agencies.

When trying to cut insurance costs, do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced full coverage to discover at claim time that it was a big mistake. Your objective should be to get the best coverage possible at the best possible price and still be able to protect your assets.

We just showed you many ways to shop for 2013 Lexus RX 350 insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheap auto insurance. You may even discover the most savings is with a small mutual company.

To read more, feel free to browse the resources below:

• Tools for Teen Driving Safety (State Farm)
• Safe Vehicles for Teens (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Insurance Losses by Make and Model (iihs.org)

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