2009 Lexus RX 350 Insurance Quotes – 6 Discounts for Cheaper Rates

Looking for lower insurance rates for your Lexus RX 350? Are you regretting the purchase of an expensive insurance policy? You’re preaching to the choir because many drivers have buyer’s remorse.

You have multiple auto insurance companies to choose from, and although it’s nice to have a choice, it can be more challenging to adequately compare rates.

It is always a good idea to check insurance prices at least once a year because insurance prices are adjusted regularly by insurance companies. Just because you had the lowest rates on RX 350 insurance a year ago other companies may now be cheaper. Block out anything you think you know about insurance because you’re about to learn the best way to eliminate unnecessary coverages and save money.

Get cheaper auto insurance rates with discounts

Some companies don’t always list all available discounts very well, so the following list contains both well-publicized and the more hidden ways to save on auto insurance.

  • Low Mileage Discounts – Driving fewer miles could qualify for slightly better rates than normal.
  • Driver Education Discount – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Online Discount – A few insurance companies will give you a small discount for buying your policy digitally online.
  • More Vehicles More Savings – Drivers who insure primary and secondary vehicles with one company can get a discount on all vehicles.
  • Military Rewards – Being on active deployment in the military could trigger a small discount.

You can save money using discounts, but most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. If you do the math and it seems like you can get free auto insurance, nobody gets a free ride.

A partial list of companies who may offer these benefits include:

If you need low cost insurance coverage quotes, ask every prospective company how many discounts you can get. Some credits may not apply in your area. If you would like to view insurers with the best auto insurance discounts, click here to view.

How to get free insurance quotes online

Most larger insurance companies like State Farm, GEICO and Progressive make it easy to get prices from their websites. Getting online rates is pretty easy because it’s just a matter of typing in your coverage preferences into the quote form. Behind the scenes, their quoting system orders reports for credit and driving violations and provides a quote based on these and other factors. Being able to quote online makes comparing rates easy, but the time required to go to different websites and type in the same data can get tiresome after awhile. But it’s necessary to perform this step in order to find better prices.

The smarter way to find better insurance pricing requires only one form that gets price quotes from multiple companies. The form is fast, eliminates form submissions, and makes quoting online a little more enjoyable. Once the form is submitted, it is rated and you can choose any one of the pricing results. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process takes 15 minutes at the most and may result in a nice savings.

To quickly compare rates using this form now, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter deductibles and limits exactly as shown on your declarations page. Doing this guarantees you will be getting comparison quotes using the exact same coverages.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • Am I getting all the discounts available?
  • When does my teenage driver need to be added to my policy?
  • Am I better off with higher deductibles on my 2009 Lexus RX 350?
  • Should I carry comprehensive and collision coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Is my dog or cat covered if injured in an accident?
  • Can I rent a car in Mexico?
  • Should I rate my 2009 Lexus RX 350 as pleasure use or commute?
  • Why am I required to buy liability insurance?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Learn about insurance coverages for a 2009 Lexus RX 350

Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Collision coverages – This covers damage to your RX 350 caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a broken windshield and falling objects. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Lexus RX 350.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for immediate expenses such as surgery, hospital visits, funeral costs, doctor visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance – This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

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 commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical expenses, medical services, bail bonds and loss of income. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Smart consumers save more

We just covered a lot of tips how to get a better price on 2009 Lexus RX 350 insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the smallest insurance companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

When shopping online for auto insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut physical damage coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

For more information, take a look at the resources below: