Compare 2011 Lexus RX 350 Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Lexus RX 350? Are you drained from trying to scrape together enough money to pay high auto insurance rates every month? You are no different than many other drivers.

Companies like Geico, Progressive and Allstate all promote huge savings with ad campaigns and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

You need to do rate comparisons every six months because insurance rates are variable and change quite frequently. Even if you got the best rate for RX 350 insurance two years ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to find out one of the best ways to find great coverage at a great price.

More discounts mean cheap premiums

Car insurance is not cheap nor is it fun to buy but you might find some hidden discounts that many consumers don’t even know exist. Many discounts should be triggered when you complete an application, but a few need to be requested specifically prior to receiving the credit.

  • Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
  • Multiple Cars – Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
  • Waiver for an Accident – This one is not really a discount per se, but a few companies such as State Farm and Allstate may permit one accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
  • Multiple Policy Discount – If you have multiple policies with the same company you may save nearly 15% which can help you find the cheapest insurance.
  • Low Mileage Discounts – Low mileage vehicles could earn slightly better car insurancerates than normal.
  • Smart Student Discounts – Excelling in school may save you up to 25%. Many companies even apply the discount to college students up to age 25.
  • Homeowners Pay Less – Owning a house may earn you a small savings since home ownership is proof of financial responsibility.
  • Discount for Passive Restraints – Cars that have air bags may qualify for discounts of 25 to 30%.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates for RX 350 insurance than their less cautious counterparts.

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

If you would like to view providers that can offer you the previously mentioned discounts, click here to view.

How to get affordable car insurance

There are several ways to compare prices from many different insurance companies. The easiest way by far to do a complete rate comparison is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

  • The most recommended method to find low rates would be an industry-wide quote request form click here to open form in new window. This quick form eliminates the need for repetitive form entry for each company you want a rate for. One form gets you coverage quotes from multiple low-cost companies.
  • A more time consuming way to find better pricing is going to the website for each individual company and get a separate price quote. For instance, let’s say you want comparison quotes from Geico, Esurance and Allstate. To get each rate you have to visit each site and punch in your information repeatedly, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but make sure you use apples-to-apples deductibles and coverage limits for each price quote. If you use different limits and deductibles on each one you can’t possibly make an equal comparison. Just a small difference in coverage limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes will improve the odds of getting more affordable rates. Not every company provides online price quotes, so you need to compare quotes from them, too.

Get cheaper insurance rates by understanding these factors

Many factors are part of the calculation when you quote your car insurance policy. Some are obvious like your driving record, but some are less apparent like your vehicle usage or how financially stable you are.

The following are most of the major factors that factor into prices.

  • Policy add-ons add up – There are many add-on coverages that may not really be needed on your insurance coverage policy. Add-on coverages like roadside assistance, towing, and term life insurance are examples of these. These may sound like a good investment initially, but your needs may have changed so think about removing them and cutting costs.
  • Safer cars means lower rates – Vehicles that have high safety ratings cost less to insure. Highly rated vehicles have better occupant injury protection and fewer injuries means less claims paid and more competitive rates for policyholders.
  • Lower prices with no policy lapses – Letting your insurance expire is a sure-fire way to trigger a rate increase. In addition to paying higher rates, not being able to provide proof of insurance might get you a license revocation or jail time.
  • File a insurance coverage claims and pay more – Auto insurance companies generally give better rates to insureds who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to higher rates. Auto insurance is designed for major claims that would cause financial hardship.
  • Premiums can be impacted by your employer – Did you know your occupation can influence how much you pay for insurance coverage? Occupational choices like doctors, architects and dentists tend to have higher average rates because of intense work-related stress and lots of time spent at work. Conversely, jobs like scientists, athletes and performers have lower than average premiums for RX 350 insurance.
  • Do you know your deductibles? – Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your Lexus. Examples of some claims that would be covered would be a dented fender, damage caused by hail, and having your car stolen. The deductibles you choose state the amount of money you are willing to pay before your insurance coverage pays a claim. The more money the insured is willing to pay, the lower your rates will be for RX 350 insurance.
  • Married people drive safer – Being married may cut your premiums compared to being single. Marriage demonstrates that you tend to be more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Insurance rates in urban areas – Residing in areas with lower population has it’s advantages when buying insurance coverage. Fewer people means less chance of accidents in addition to lower liability claims Residents of big cities tend to have more aggressive driving styles and more severe claims. Higher commute times means more chances of being involved in an auto accident.

It’s not one size fits all

When buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does medical payments coverage apply to all occupants?
  • What vehicles should carry emergency assistance coverage?
  • What is the ISO rating for a 2011 Lexus RX 350?
  • Am I insured when driving a different vehicle?
  • Do I need an umbrella policy?
  • Am I covered when driving on a suspended license?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Do drivers who switch really save $478 a year?

Allstate, Geico and Progressive continually stream ads on television and other media. All the companies say the same thing that people will save if you just switch your coverage. It sounds good, but how can they all give you a better price? Here is how they do it.

All companies require specific criteria for the type of insured that makes them money. An example of a profitable customer could be between the ages of 30 and 50, carries high limits, and drives a vehicle with a low ISO rating. Anyone that meets those criteria may get the lowest premium rates and as a result will probably save quite a bit of money when switching.

Potential insureds who fall short of those standards may be required to pay higher premiums and this can result in the customer not buying. If you listen to the ad wording, they say “people who switch” not “all people who quote” save that much when switching. This is how companies can truthfully advertise the savings. That is why you really need to compare price quotes frequently. Because you cannot predict which insurance companies will provide you with the cheapest rates.

The coverage is in the details

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix 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 insurance covers things like hitting a deer, fire damage and hail damage. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for funeral costs, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

This coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Coverage for collisions

This coverage will pay to fix damage to your RX 350 from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

More quotes. Lower rates.

Cheap 2011 Lexus RX 350 insurance is attainable both online and from local agencies, so you should compare both so you have a total pricing picture. Some companies don’t offer the ability to get a quote online and these regional insurance providers only sell coverage through independent insurance agents.

We just presented many ways to save on 2011 Lexus RX 350 insurance. It’s most important to understand that the more you quote insurance, the better your chances of lowering your car insurance rates. You may even discover the lowest rates come from a smaller regional carrier. These companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

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Comments About 2011 Lexus RX 350 Insurance

  1. Forrest Salinas

    IT’S ALL TOO EXPENSIVE! Live in Great Falls, Montana. Quoted with 21st Century, Auto-Owners, and some I forget for my RX 350 and am saving around $230 a year. Even increased my liability limits. It was easy to get rates.

  2. Karisa Anthony

    Cheaper not always better. Live in the northern part of Bellevue, NE. Went online for free insurance quotes for a 2011 Lexus RX 350. Ended up at about $190 savings annually. Went with Progressive. Left Safeco to switch. Teenage drivers are expensive! :P

  3. Natividad Preston

    I found pretty cheap rate quotes for a 2011 Lexus RX 350 in Honolulu, HI. Ended up at roughly $150 every six months with American Family. You can get a rate quote online.

  4. Chad Dyer

    In Great Falls, MT, AAA had the best rates for my 2011 Lexus RX 350. Insured with Liberty Mutual before. God forbid I actually have a claim.

  5. Rossana Bradley

    Will Allstate raise rates after an accident?

  6. Donetta Salas

    It’s all a rip off. I live in a small town just outside of Rio Rancho, NM. Not sure of all the companies but I ended up saving about $50 each month. Insured with Progressive before. Bought it from an online quote.

  7. Kaley Carroll

    In New York City, New York, American Family had the best rates for my 2011 Lexus RX 350. Got better coverage too. Can still barely afford it.

  8. Toby Lott

    What is comprehensive coverage?

  9. Patsy Nicholson

    I got quite a few price quotes for a 2011 Lexus RX 350 in Mobile, AL. Ended up at roughly $580 every six months with American Family. Good multi-policy discounts.

  10. Deborah Gross

    Lifelong resident of Missoula, MT. Quoted prices online for a 2011 Lexus RX 350. Ended up at about $550 savings annually. Went with GEICO. I have kids on my policy, too.

  11. Kimber Haney

    Quoted with Travelers for my Lexus and am saving around $540 a year. Insured with The General before. They were helpful in switching over.

  12. Micah Patterson

    Lots of good stuff here. From a town just southwest of Greensboro, NC. Compared quite a few companies. Saved about $40 a month. Allstate was the cheapest option for me.

  13. Edra House

    Quoted with Eastwood for my 2011 Lexus RX 350 and am saving around $170 a year.