2014 Lexus RX 450h Insurance Quotes

Shoppers have options when shopping for the best price on Lexus RX 450h insurance. They can either spend hours contacting agents to compare prices or leverage the internet to compare rates.

There is a right way and a wrong way to find car insurance online and we’ll show you the quickest way to quote coverages on a Lexus and get the lowest price.

How to get the cheapest insurance

Finding more affordable 2014 Lexus RX 450h insurance rates is an easy way to save money. Drivers just need to invest a little time to get quotes from some recommended companies. It’s super easy and can be done using one of these methods.

The first (and easiest) way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This type of form prevents you from having to do separate quote forms for each company. Completing one form compares rates instantly. Recommended for those who want to invest the least amount of time.

A more time consuming way to obtain and compare quotes online requires a visit to the website for every company you want to comare and complete a new quote form. For sake of this example, let’s say you want comparison quotes from Nationwide, 21st Century and Progressive. You would be required to navigate to each company’s site and enter your information, which is why the first method is more popular. For a list of companies in your area, click here.

Whichever method you choose, be certain you are entering nearly identical coverages with every price quote. If you are comparing mixed coverages it will be nearly impossible to make a fair comparison for your Lexus RX 450h.

Do I need special coverages?

When choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help you determine if you might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • Should I waive the damage coverage when renting a car?
  • Where can I get insurance after a DUI in my state?
  • Is my cargo covered for damage or theft?
  • Do I need rental car coverage?
  • Is my nanny covered when driving my vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance policy specifics

Understanding the coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Lexus RX 450h.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as chiropractic care, EMT expenses and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, hitting a deer, damage from getting keyed, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole, hitting a mailbox, driving through your garage door and crashing into a ditch. 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.

Auto liability – This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: 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 stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.