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Lexus LX 470 Insurance Rates

Buying car insurance from online companies is easy and there is a good chance you may find lower rates. The key is getting rates from all providers so you can get the lowest prices.

People who are new to shopping for insurance may think shopping for affordable Lexus LX 470 insurance can be quite difficult. The are a couple different ways to get quotes from local car insurance companies. The easiest way to find competitive Lexus LX 470 insurance cost is to get quotes online. This can be accomplished by completing this short form.

Insurance premiums paid to insure a Lexus LX 470 can be significantly different based upon several criteria. Some of these factors include:

  • Your driving record
  • Better credit means lower rates
  • Men typically pay more than women
  • Low deductibles cost more
  • Safety rating of your LX 470
  • Your job
  • Your coverage level
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new Lexus models so the costs to repair will push premiums down. On the flip side, more recent Lexus vehicles have more advanced features like anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system that may help give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability coverage - Liability insurance will cover damage that occurs to a person or their property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision - Collision insurance will pay to fix damage to your Lexus from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper Lexus LX 470 insurance rates.

Comprehensive coverage - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus LX 470 Insurance Rates?