Save on 2013 Lexus RX 350 Insurance Quotes

Looking for lower auto insurance rates for your Lexus RX 350? Finding low-cost insurance for your Lexus RX 350 can normally be a lot of work, but you can use these tips to save time. There is a better way to shop for auto insurance and we’ll show you the best way to compare rates for a Lexus and find the best price possible from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Buying affordable protection can be fairly easy. Vehicle owners just need to learn how to compare price quotes online.

What determines Lexus RX 350 insurance rates?

Multiple criteria are used when you get a price on insurance. Some are pretty understandable like your driving record, but some are less apparent such as your marital status or your financial responsibility.

Listed below are some of the things utilized by car insurance companies to help set rates.

• Decrease car insurance rates by maintaining coverage – Going without insurance is a fast way to trigger a rate increase. In addition to paying higher rates, the inability to provide proof of insurance can result in a fine, jail time, or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
• Your address can affect premiums – Living in less populated areas of the country has it’s advantages when talking about car insurance. Fewer drivers on the road means fewer accidents. Drivers in populated areas tend to have more traffic problems and longer commutes to work. More time commuting can result in more accidents.
• Vehicles with better crash test results save money – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims which can mean better rates for you. If your Lexus RX 350 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• See if your company offers a multi-policy discount – Some insurers allow better rates to insureds that buy multiple policies such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. Even if you already get this discount, it’s always a smart idea to compare other insurance prices to make sure you are getting the best deal.There is a good possibility that you can find lower rates by buying insurance from more than one company.

Compare car insurance price quotes

Finding a better price on car insurance is an easy way to save money. The only requirement is to invest a few minutes to compare free car insurance quotes to see which company has low cost car insurance quotes. This can be accomplished in several different ways.

1. The fastest and easiest way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for repetitive form submissions to each individual car insurance company. One form gets you price quotes instantly. This is perfect if you don’t have a lot of time.
2. A different way to analyze rates is to take the time to go to the website of each company to complete a price quote. For example, we’ll pretend you want rates from Liberty Mutual, Farmers and GMAC. You would have to visit each site and enter your information, which can take a lot of time.

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

3. The least efficient and most time consuming method to compare rates is to drive around to all the different insurance agencies. Doing it all online eliminates the need for an insurance agent unless you have a complicated situation and need the extra assistance of an agent trained in personal lines coverage. If you prefer, some companies allow you to get the lowest quotes online and get advice from an agent in your area.

It’s up to you which method you use, but ensure you are comparing identical coverage data on every price quote you get. If you compare different coverage information you can’t possibly make a fair comparison for your Lexus RX 350.

Big brands don’t always mean big savings

Consumers can’t escape the ads for the lowest price car insurance from companies such as State Farm and Allstate. All the ads tend to make the same promise that people will save if you switch to their company.

How do they all save you money? It’s all in the words they use.

All companies have a certain “appetite” for the type of driver that will not have excessive claims. An example of a profitable customer should be between the ages of 30 and 50, carries high limits, and has excellent credit. A customer getting a price quote that matches those criteria gets the lowest premium rates as well as save when switching.

Consumers who don’t qualify for this stringent profile will probably be forced to pay higher rates and this can result in the customer buying from a different company. The ads state “drivers that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can state the savings. Because each company has a different risk profile, drivers should get a wide range of price quotes. It’s just not possible to know the company that will give you the biggest savings.

Lower-cost car insurance quotes with discounts

Some insurance providers do not advertise their entire list of discounts very well, so we researched a few of the more well known and the more hidden savings tricks you should be using when you buy car insurance online.

• Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
• Home Ownership Discount – Just being a homeowner can save you money because maintaining a house demonstrates responsibility.
• Theft Deterent – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up can save 10% or more off PIP or medical payments premium.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A list of car insurance companies and some of their more popular discounts can be found below.

• Farmers Insurance may include discounts for pay in full, youthful driver, alternative fuel, multi-car, business and professional, bundle discounts, and mature driver.
• Esurance may have discounts that include DriveSense, good driver, Switch & Save, defensive driver, safety device, and paid-in-full.
• State Farm has discounts for anti-theft, accident-free, good driver, passive restraint, and safe vehicle.
• Geico offers discounts for emergency military deployment, military active duty, defensive driver, driver training, and air bags.
• Allstate offers premium reductions for anti-lock brakes, EZ pay plan discount, good payer, passive restraint, premier plus, farm vehicle, and eSmart discount.

Double check with each insurance company how you can save money. Some credits may not be available in every state. To see car insurance companies who offer online car insurance quotes, click here to view.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation will benefit from professional help.

• When would I need rental car insurance?
• How much can I save by bundling my policies?
• Do I need an umbrella policy?
• Should I have a commercial auto policy?
• Should I buy only the required minimum liability coverage?
• Do I need replacement cost coverage on my 2013 Lexus RX 350?
• What can I do if my company won’t pay a claim?
• Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Insurance policy coverages for a 2013 Lexus RX 350

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Lexus RX 350.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from a tornado or hurricane, theft and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for dental work, rehabilitation expenses, pain medications, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Auto liability insurance

This coverage will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, attorney fees, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Stretch your dollar

Drivers who switch companies do it for a variety of reasons including poor customer service, an unsatisfactory settlement offer, lack of trust in their agent or high prices. Whatever your reason, switching companies is easier than you think.

As you prepare to switch companies, do not reduce coverage to reduce premium. In many instances, someone dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

There are still a few companies who do not provide the ability to get a quote online and usually these small insurance companies work with local independent agents. Lower-priced 2013 Lexus RX 350 insurance is available both online and from local agencies, and you should be comparing both to get a complete price analysis.

Additional car insurance information is located at these links:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Safety Belts FAQ (iihs.org)
• Determing Auto Insurance Rates (Geico)