1997 Lexus LX 450 Car Insurance Quotes – 7 Policy Discounts

Shoppers have options when shopping for low-cost Lexus LX 450 insurance. They can either spend hours contacting agents trying to get quotes or leverage the internet to find the lowest rates.

There are both good and bad ways to shop for insurance and we’ll show you the quickest way to get price quotes for your Lexus and get the lowest price either online or from local insurance agents.

It is always a good idea to do price comparisons occasionally because insurance prices trend upward over time. Even if you think you had the best deal on LX 450 coverage six months ago you can probably find a lower rate today. Forget all the misinformation about insurance because I’m going to teach you the things you must know in order to save money, get proper coverage and the best rates.

Ways to get auto insurance quotes

Lowering your 1997 Lexus LX 450 auto insurance rates is a great way to save money. Drivers just need to spend a little time comparing rates from online providers. This can be done by following the guidelines below.

The fastest way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quotes to each individual auto insurance company. A single form will get you rate comparisons from auto insurance companies with the best prices.It’s the quickest way to get rates.

A more time consuming way to get comparison quotes is going to the website for every company you want to comare and fill out their own quote form. For example, we’ll pretend you want rates from Liberty Mutual, Safeco and Allstate. To find out each rate you need to spend time on each company’s site and repeatedly enter your information, which is why first method is reommended. To view a list of companies in your area, click here.

The least efficient and most time consuming method to price shop rates is to spend time driving to insurance agencies in your area. The ability to get quotes online eliminates the middleman unless you’re the type of person who wants the professional advice of a local agent. It is possible to comparison shop your insurance online but have a local agent actually write the policy.

How you compare quotes is your choice, just double check that you are using the exact same coverage information on every quote you get. If you enter different values for each quote it’s impossible to find the best deal for your Lexus LX 450.

Lower rates by qualifying for these seven discounts

Car insurance companies don’t list all disounts very clearly, so the list below details both well-publicized and the harder-to-find ways to save on auto insurance.

  • Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote on LX 450 coverage than less cautious drivers.
  • Driver Education Discount – Require your teen driver to participate in a local driver’s education class in high school.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • New Vehicle Savings – Adding a new car to your policy is cheaper since new vehicles have better safety ratings.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
  • Low Mileage – Keeping the miles down on your Lexus could qualify for substantially lower auto insurancerates.
  • Bundled Policy Discount – When you combine your homeowners and auto insurance with the same company you could save nearly 15% which can help you find affordable auto insurance.

You should keep in mind that most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

Car insurance companies that have many of the previously listed discounts possibly include:

When quoting, ask every company to give you their best rates. Some of the discounts discussed earlier may not be available in your area. If you would like to see a list of providers that offer many of these discounts, follow this link.

Car insurance is unique, just like you

When it comes to buying coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

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

  • Are all vehicle passengers covered by medical payments coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I get collision insurance on every vehicle?
  • Is my state a no-fault state?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I insured when driving a different vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Lexus LX 450.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision – Collision insurance pays for damage to your LX 450 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverages – This coverage will cover damage or injury you incur to other’s property or people. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as funeral expenses, bail bonds and emergency aid. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for EMT expenses, rehabilitation expenses, doctor visits, ambulance fees and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay