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Lexus RX 450h Insurance Cost

There are many options when finding cheaper insurance coverage on your Lexus vehicle. You can either contact a local agent or price shop online to check prices from car insurance companies. Comparing auto insurance from online rate quotes is simple to do and there is a good chance you might just save a little.

Using the web to shop for auto insurance direct can be a challenge if you have never used online rate quotes. But relax because comparing prices is actually very simple. Finding cheaper coverage prices doesn't have to be difficult. All you need to do is take the time to get quotes online with multiple companies. This can be done by completing this short form.

Auto insurance rates paid to insure a Lexus RX 450h will vary greatly subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Your accident history
  • Home and auto can earn discounts
  • How you use your vehicle
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

A final factor that can impact RX 450h insurance cost is the model year. New vehicles have a higher value in comparison to later models so the payout to repair will push premiums up. But new Lexus models may have a trim level with safety features including active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors so those may give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your RX 450h below.

Liability insurance

RX 450h liability coverage provides protection from damage that occurs to a person or their property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your Lexus RX 450h comprehensive insurance. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus RX 450h Insurance Rates?