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Lexus RX 350 Insurance Rates

You have many choices when insurance shopping for your Lexus vehicle. You can either contact a local agent or get quotes online to check prices from multiple companies. Comparing auto insurance online saves time, is easy to do, in addition you might just save a little.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple. Cutting your Lexus RX 350 insurance cost is not rocket science. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. This can be done by completing this short form.

Criteria which help determine Lexus insurance rates

Auto insurance rates on a Lexus RX 350 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

  • High performance increases premiums
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Optional coverages like vehicle replacement
  • Claims drive up premiums
  • Having current coverage saves
  • Owning a home can lower rates

A final factor that can impact Lexus RX 350 insurance rates is the model year. New vehicles have a higher value in comparison to later models so the costs to repair may result in higher rates. On the flip side, new Lexus models may have a trim level with safety features like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which may give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your RX 350 from the following list.

Liability coverage - This provides protection from injuries or damage you cause to people or other property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as high a limit as you can afford.

Collision - This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your Lexus RX 350 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper Lexus RX 350 insurance rates.

Comprehensive coverage - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your Lexus RX 350 comprehensive insurance. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM Coverage - This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance program or if you lack health insurance entirely. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus RX 350 Insurance Rates?