Lexus RX 400h Insurance Rates

You have lots of choices when trying to insure your Lexus vehicle. You can either contact an insurance agent or shop online to compare rates from multiple insurance companies. Shopping for car insurance on the web is easy and at the same time you may find lower rates.

Consumers not familiar with comparison shopping may think purchasing affordable RX 400h insurance is not very easy. The are a couple different ways to get quotes from car insurance companies in your area. The quickest method to compare RX 400h insurance quotes consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What factors impact your insurance rates?

Insurance premiums paid to insure a Lexus RX 400h can vary widely based upon several criteria. Taken into consideration are:

The performance level of your RX 400h
Any accidents you may have
Whether you insure your home with the same company
How you use your vehicle
Young drivers cost more
Whether you are married
Special coverage such as replacement cost
Your job
The amount of protection requested
Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new Lexus models so the costs to repair will push premiums down. But more recent Lexus vehicles have more advanced features including adaptive cruise control, sideview assist mirrors, and tire pressure monitors which can lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your RX 400h from available model years below.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverage

Collision coverage will pay to fix damage to your Lexus from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive car insurance

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.

How Much are Lexus RX 400h Insurance Rates?