View 2015 Lexus RX 350 Insurance Quotes

Searching for lower car insurance rates for your Lexus RX 350? If you’re shopping for more affordable insurance online, are you frustrated by the dozens of car insurance companies available to you? Lot’s of other drivers are too. You have such a large number of options that it can be a ton of work to find the perfect company for you.

If you currently have a car insurance policy, you will most likely be able to save some money using these tips. The purpose of this post is to let you in on the most effective way to quote insurance. Nevertheless, vehicle owners can benefit from knowing the methods companies use to determine prices and take advantage of how the system works.

Compare insurance coverage quotes

When shopping for low cost car insurance quotes, there are a couple of ways of comparing price quotes from companies that offer insurance coverage in your state. The best way to do a complete rate comparison is simply to get online rate quotes. This is quite simple and can be completed using a couple different methods.

If you’re in a hurry, the quickest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for boring form submissions for each company you want a rate for. Just one form gets prices estimates from multiple companies. This is perfect if you don’t have a lot of time.

A more time consuming way to find more affordable insurance is to take the time to go to the website of each company and go through the quote process again. For examples sake, we’ll assume you want to view quotes from Auto-Owners, Esurance and Progressive. To do that, you would have to visit each site to input your insurance information, which can get rather old.

To view a list of companies in your area, click here.

The most difficult method of comparing rate quotes is making phone calls or going to insurance agencies in your area. Comparing online rate quotes has made agencies unnecessary unless you require the personal advice that you can only get from talking to an agent. It is possible with some companies comparison shop your insurance online but purchase the actual policy in an agency.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverage information with every price quote. If the quotes have differing limits you will not be able to make an equal comparison. Even a minor difference in coverage limits may result in a large different in cost. And when comparing insurance coverage rates, know that comparing more rates from different companies helps increase your odds of locating the best rates.

Why smart consumers pay less for Lexus RX 350 insurance

When buying insurance coverage it’s important to understand some of the factors that aid in calculating insurance coverage rates. When consumers understand what determines base rates, this empowers consumers to make smart changes that can help you get lower rates. Lots of factors are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, but other factors are less obvious such as whether you are married or how safe your car is.

  • Having a spouse can save on insurance coverage – Getting married helps lower the price compared to being single. Having a spouse is viewed as being more mature than a single person and statistics prove married drivers get in fewer accidents.
  • Alarms and GPS tracking lower prices – Owning a car that has an advanced theft prevention system can save you some money. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Claims cost money – If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Companies award cheaper rates to people who only file infrequent claims. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Vehicles with better crash test results means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. Vehicles engineered for safety protect occupants better and lower injury rates translates directly to fewer claims which can result in lower premiums.
  • Men drivers tend to cost more – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Both genders get in at-fault accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving.
  • Annual mileage impacts costs – The more you drive annually the higher your rate. The majority of insurers rate vehicles based upon how much you drive. Autos that are left in the garage cost less to insure than vehicles that are driven to work every day. An incorrectly rated RX 350 may be costing you. It’s a smart idea to ensure your insurance coverage declarations sheet is rated on the proper vehicle usage.
  • Save money by having multiple policies – Most major insurance coverage companies afford a discount to buyers who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, it’s always a smart idea to shop around to guarantee you are still saving the most. Consumers may save more without the discount by buying insurance coverage from a different company.

Insurance rates and discounts

Some insurance providers don’t always list their entire list of discounts very well, so the following is a list of a few of the more well known in addition to some of the lesser obvious credits that may apply to you. If you check and find you aren’t receiving every discount available, you could be saving more on your insurance.

  • Anti-theft Discount – Cars equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a car insurance quote.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for lower premium rates for RX 350 insurance.
  • Paper-free Discount – Some of the larger companies provide a small discount for completing your application on your computer.
  • Smart Student Discounts – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Policy Bundle Discount – If you combine your homeowners and auto policies with the same company you could get a discount of as much as 10 to 15 percent.
  • No Claim Discounts – Drivers who stay claim-free pay much less when compared with frequent claim filers.

Discounts save money, but please remember that many deductions do not apply the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount should help reduce the amount you pay for coverage.

Larger insurance companies and a selection of discounts are outlined below.

  • Farmers Insurance has savings for switch companies, good student, homeowner, business and professional, and teen driver.
  • State Farm policyholders can earn discounts including Drive Safe & Save, multiple autos, safe vehicle, driver’s education, passive restraint, and accident-free.
  • Liberty Mutual includes discounts for newly retired, multi-car, new graduate, safety features, new vehicle discount, and new move discount.
  • MetLife may have discounts that include defensive driver, accident-free, good driver, claim-free, multi-policy, and good student.
  • Progressive offers discounts for good student, online quote discount, multi-vehicle, multi-policy, homeowner, and online signing.

When getting free car insurance quotes, it’s a good idea to each company which discounts can lower your rates. A few discounts might not apply in your area. To choose insurers who offer cheap insurance quotes, follow this link.

Situations that may require an agent’s advice

When it comes to choosing coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

  • How much liability do I need to cover my assets?
  • Am I covered if my car is in a flood?
  • If I drive on a suspended license am I covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I benefit by insuring my home with the same company?
  • How can I force my company to pay a claim?
  • How do I insure my teen driver?
  • How much liability insurance is required?
  • Is my babysitter covered when using my vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage information

Learning about specific coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, vandalism and falling objects. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

This coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as medical expenses, court costs and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your RX 350 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with a tree, driving through your garage door, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Lexus RX 350.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Med pay and PIP coverage pay for expenses like ambulance fees, prosthetic devices, doctor visits, nursing services and pain medications. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage on a shoestring budget

When shopping online for insurance, do not reduce coverage to reduce premium. Too many times, someone dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best cost, but do not skimp to save money.

In this article, we presented many tips how you can get a better price on 2015 Lexus RX 350 insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the most savings is with the least-expected company.

People switch companies for a variety of reasons including an unsatisfactory settlement offer, high prices, delays in responding to claim requests or even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company is actually quite simple.

More detailed insurance information is available in the articles below:

Comments About 2015 Lexus RX 350 Insurance

  1. Cassaundra Dodson

    I’m in the north part of Kansas City, KS. Quoted with Sentry, Encompass, State Farm, and AAA for my RX 350 and saved about $320 a year. Was with American Family. I recommend comparing lots of rates.

  2. Providencia Chaney

    If you’re a decent driver and live near Cranston, RI, check out Progressive. I saved quite a bit. I recommend comparing lots of rates.

  3. Cody Montoya

    I live just outside Henderson, Nevada. Quoted with Allstate, AIG Insurance, and some I forget for my RX 350 and saved just over $120 a year. Switched homeowners coverage too. You can get a rate quote online.

  4. Genaro Oneal

    Here’s what I found out. I’m in the suburbs of Bridgeport, CT. I got free rates from AAA, Nationwide, and some smaller one I can’t remember the name of for my Lexus and I’m now saving $28 a month.

  5. Francis Wolfe

    If you’re from Gulfport, MS get quotes from State Farm and GEICO and you might save.

  6. Leonor Atkinson

    I’ve had Progressive for years. I’m in Rio Rancho, New Mexico.

  7. Ashlie Lee

    I got quite a few price quotes for a 2015 Lexus RX 350 in Houston, Texas. Ended up at roughly $100 every six months with Amica.

  8. Deidra Valdez

    If you’re a decent driver and are close to Salt Lake City, UT, check out 21st Century. They seem to be cheaper. Was with USAA. I have a couple other vehicles on the policy. Might find lower rates online.

  9. Mitchell Chambers

    I’m in the south part of Springfield, Missouri. Got quotes with American Family, MetLife, and Travelers for my 2015 Lexus RX 350 and saved just over $160 a year. Was with Erie.

  10. Jessenia Boyle

    I found pretty cheap rate quotes for a 2015 Lexus RX 350 in Bangor, Maine. Ended up at about $440 every six months with AAA. Was with Mercury.