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Lexus RX 350L Insurance Cost

You have lots of choices when finding cheaper insurance coverage on your Lexus vehicle. You can either contact an agent or go online to compare rates from multiple companies. Buying car insurance online can be fast and easy and at the same time you can save money.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of car insurance companies offering insurance. There are several ways to compare quotes and find the best price. The easiest way by far to compare Lexus RX 350L insurance rates is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence the rate you pay?

Car insurance premiums for a Lexus RX 350L will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance RX 350L vehicles cost more
  • Your accident history
  • Multiple policies can save money
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Your occupation
  • Insurance coverage level
  • Whether you rent or own your home

An additional factor that helps determine Lexus RX 350L insurance cost is the year of the vehicle. Older models have a reduced actual cash value than newer models so repair costs tend to be lower which may result in lower rates. Although newer models may have safety features included like forward-collision avoidance, sideview assist mirrors, and all-wheel drive so those may lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your RX 350L from available model years below.

Liability coverage

This coverage protects you from damages or injuries you inflict on other people or property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision protection

Collision insurance pays for damage to your Lexus caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Lexus RX 350L collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper Lexus RX 350L insurance cost.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.

How Much are Lexus RX 350L Insurance Rates?