1996 Lexus LX 450 Car Insurance Rates – 6 Savings Tips

Want cheaper insurance coverage rates? Drivers have lots of choices when trying to find the lowest priced Lexus LX 450 insurance. You can either waste hours struggling with agents to get rate comparisons or save time using the internet to find the lowest rates.

There is a right way and a wrong way to find insurance coverage online and you need to know the best way to quote coverages for your Lexus and locate the cheapest rates.

Consumers should take time to do rate comparisons periodically because insurance coverage prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal for LX 450 coverage two years ago you may be paying too much now. There is a lot of bad information regarding insurance coverage online, but by reading this article, you’re going to learn some good information on how to slash your insurance coverage rates.

If you have insurance now or need new coverage, you can learn to cut your premiums and possibly find even better coverage. The purpose of this post is to help educate you on the best way to quote coverages. Drivers just need to learn the tricks to compare prices on the web.

Compare free car insurance quotes

There are a lot of ways to compare car insurance prices but some are easier and takes less work. You can spend countless hours driving to insurance agencies in your area, or you could use the internet to get pricing more quickly.

Most of the best insurance companies take part in a program that allows shoppers to complete one form, and every company then returns a price quote determined by their information. This eliminates the need for quote requests for every car insurance company.

To enter your information into the quoting system, click to open in new window.

The single downside to pricing coverage this way is you don’t know exactly which companies to receive prices from. If you prefer to choose specific insurance companies to compare rates, we have a listing of car insurance companies in your area. Click to view list.

However you get your quotes, make darn sure you compare equivalent coverage data with every price quote. If you have different deductibles it’s impossible to make an equal comparison.

Get lower rates by taking advantage of these six discounts

Insurance is not cheap nor is it fun to buy but you may be missing some discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be inquired about before they will apply. If you do not check that you are getting every discount you deserve, you could be getting lower rates.

  • Driver’s Ed – Have your child enroll in driver’s education in school.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Discount for Swiching Early – A few insurance companies offer discounts for buying a policy prior to your current policy expiring. You can save around 10% with this discount.
  • Club Memberships – Joining qualifying clubs or civic groups could qualify you for a break when getting a insurance quote.
  • Own a Home – Owning your own home or condo may trigger a policy discount on insurance because of the fact that having a home shows financial diligence.
  • Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates for LX 450 coverage than drivers with accidents.

It’s important to understand that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

A list of insurance companies and some of the discounts are shown below.

  • Geico policyholders can earn discounts including good student, anti-theft, daytime running lights, multi-vehicle, multi-policy, and membership and employees.
  • Travelers may include discounts for multi-policy, save driver, new car, early quote, hybrid/electric vehicle, payment discounts, and good student.
  • Nationwide has savings for good student, accident-free, easy pay, anti-theft, defensive driving, and multi-policy.
  • Farmers Insurance discounts include early shopping, bundle discounts, distant student, youthful driver, homeowner, good student, and business and professional.
  • Esurance has discounts for online quote, DriveSense, Switch & Save, safety device, renters, and Pac-12 alumni.
  • State Farm may have discounts that include multiple policy, accident-free, anti-theft, student away at school, and good student.
  • Progressive offers premium reductions for online quote discount, online signing, homeowner, continuous coverage, good student, and multi-vehicle.
  • Mercury Insurance offers discounts for low natural disaster claims, good student, annual mileage, type of vehicle, location of vehicle, accident-free, and multi-policy.

If you want affordable insurance quotes, ask each company or agent what discounts are available to you. Savings may not apply to policies in every state. To choose providers who offer free insurance quotes, click here.

How much car insurance do I need?

When it comes to buying the best car insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

  • Am I covered when using my vehicle for business?
  • How much underlying liability do I need for an umbrella policy?
  • What can I do if my company won’t pay a claim?
  • Should I buy full coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Are my tools covered if they get stolen from my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Can you really save $433 a year?

Drivers get pounded daily by advertisements that promise big savings by Progressive, Allstate and Geico. They all convey the message that people will save if you just switch to them.

How can each company save you money? It’s all in how they say it.

Insurance companies have a certain “appetite” for the type of driver that earns them the highest profit. For instance, this type of insured may be over the age of 35, has a clean driving record, and drives a vehicle with a low ISO rating. Any driver that fits those parameters will qualify for the lowest car insurance rates and will most likely save if they switch.

Potential customers who do not meet these stringent criteria will be charged a higher premium and ends up with the customer not purchasing. Company advertisements say “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s why insurance companies can confidently make the claims of big savings.

Different companies use different criteria so drivers must get insurance quotes as often as possible. Because without a comparison, you cannot know the company that will have the best premium rates for your profile.

Auto insurance coverage information

Having a good grasp of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, hitting a parking meter, sideswiping another vehicle, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses like prosthetic devices, nursing services and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Lexus LX 450.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, hail damage and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

This protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as medical services, repair bills for other people’s vehicles, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Don’t break the bank

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice full coverage only to find out they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.

Consumers change insurance companies for a variety of reasons including lack of trust in their agent, policy non-renewal, not issuing a premium refund and unfair underwriting practices. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

Discount 1996 Lexus LX 450 insurance can be sourced on the web and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. A few companies may not provide the ability to get quotes online and many times these small insurance companies prefer to sell through independent insurance agents.

To read more, take a look at the following helpful articles:

Comments About 1996 Lexus LX 450 Insurance

  1. Un Hatfield

    Here’s my quote info. From Indianapolis, IN. Quoted rates from 21st Century, Auto-Owners, Encompass, and Hanover for my 1996 Lexus LX 450 and saved $60 a year. Hardly afford to drive anymore.

  2. Denese Swanson

    I live south of Colorado Springs, CO. Can’t remember who all I quoted but I ended up saving about $20 each month. Even increased coverage a bit. I only have liability coverage on it.

  3. Clay Skinner

    It all costs too much. I’m in the south part of Rio Rancho, New Mexico. I got free quotes from State Farm, The General, and Eastwood for my Lexus and I think I am saving around $30 each month. Can still barely afford it.

  4. Terry Hurley

    I’m just east of South Burlington, VT. Quoted prices from American Family, Sentry, and Western Auto Insurance for my LX 450 and saved just over $60 a year. Hopefully won’t need it. I used their website to get prices. Full coverage costs too much.

  5. Corie Brady

    What does medical payments cover?

  6. Odessa Pollard

    If you have a good history and live in the vicinity of Anchorage, Alaska, check out GEICO. You might save some money. Online quotes are the way to go. Book value doesn’t justify full coverage anymore.

  7. Carlene Stokes

    I compared a lot of rate quotes for a 1996 Lexus LX 450 in Provo, UT. Ended up at about $100 every six months with American Family. Insured with Travelers before. Good multi-policy discounts. Might find lower rates online.

  8. Francie Horn

    If you have a good history and are close to Salt Lake City, UT, check out Allstate. You might save some money. Moved home policy as well. Can still barely afford it.

  9. Julee Blackwell

    IT’S ALL TOO EXPENSIVE! I’m in Columbus, OH. Quoted prices from Nationwide, Encompass, Progressive, and AIG Insurance for my 1996 Lexus LX 450 and I’m now saving $17 a month. Wish I didn’t have to insure at all.

  10. Christia Frost

    Nice info. I’m just north of Huntington, WV. Received quotes from Amica, Eastwood, and MetLife for my 1996 Lexus LX 450 and I’m now saving $10 a month. A clean driving record helps. Not sure if rates are cheaper online or through an agent.

  11. Halina Grant

    I chose to switch to State Farm from AAA. I live in Las Cruces, New Mexico. I get a discount for insuring multiple vehicles.

  12. Tammara Mcclure

    I can’t pay high rates. I’m just east of Montgomery, AL. Can’t remember who all I quoted but I ended up saving about $20 each month. Hardly afford to drive anymore. It’s only liability tho.

  13. Robbie Burke

    Corporate greed I’m telling you. From Raleigh, North Carolina. Got car insurance prices from Hanover, Auto-Owners, Sentry, and a couple others for my LX 450 and I think I saved around $20 each month. Book value doesn’t justify full coverage anymore.