2016 Lexus NX 200t Insurance Rates – 10 Tricks for Cheaper Quotes

Want the cheapest car insurance rates for your Lexus NX 200t? Are you at wits end from robbing Peter to pay Paul to pay car insurance each month? Your situation is no different than many other drivers. Because there are so many options, it can be hard to find a lower cost insurer.

It’s smart to get comparison quotes periodically because car insurance prices are constantly changing. Even if you got the lowest rates on NX 200t insurance a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to reduce your cost while improving coverage.

Pricing cheaper auto insurance is simple if you know the tricks. If you have insurance now or are shopping for new coverage, you can use these techniques to find the best rates and still get good coverage. Consumers only need an understanding of how to shop their coverage around on the web.

Insurance coverage discounts help lower rates

Companies don’t always list every available discount very clearly, so the next list breaks down some of the more common and the more hidden ways to save on insurance coverage.

  • Pay Upfront and Save – By making one initial payment rather than paying monthly you may reduce your total bill.
  • E-sign – Certain larger companies give back up to $50 shop car insurance on the web.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
  • One Accident Forgiven – but certain companies permit an accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
  • Driver Safety – Taking a driver safety course may get you a small discount and make you a better driver.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Claim Free – Insureds who avoid accidents and claims get the best insurance coverage rates when compared with insureds who have frequent claims or accidents.
  • Discount for Low Mileage – Fewer annual miles on your Lexus can earn lower prices due to less chance of an accident.
  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
  • Save over 55 – If you’re over the age of 55, you may be able to get a slight reduction on a car insurance quote on NX 200t insurance.

As a sidenote, some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you aren’t that lucky.

A few companies that may offer policyholders some of the above discounts are:

Before you buy a policy, ask every company which discounts they offer. A few discounts might not be available to policyholders in your area. If you would like to choose from a list of companies that offer some of these discounts, click here to view.

Which is the best car insurance?

When it comes to choosing coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • Why am I required to buy liability insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I buy full coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Learn about auto insurance coverages for a 2016 Lexus NX 200t

Understanding the coverages of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by auto insurance companies.

Auto liability

Liability coverage provides protection from damage or injury you incur to people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like legal defense fees, loss of income and structural damage. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Lexus NX 200t.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision coverage covers damage to your NX 200t from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, scraping a guard rail, crashing into a ditch, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for EMT expenses, ambulance fees, prosthetic devices, nursing services and X-ray expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Knowledge is power

Cheaper 2016 Lexus NX 200t insurance is definitely available on the web as well as from independent agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance providers may not offer online price quotes and usually these smaller providers prefer to sell through independent agencies.

We just covered some good ideas how to save on 2016 Lexus NX 200t insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your prices. You may be surprised to find that the best premium rates are with some of the lesser-known companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

More detailed car insurance information is located at these sites:

Comments About 2016 Lexus NX 200t Insurance

  1. Nohemi Becker

    Will GEICO cancel if I have a claim?

  2. Shawanda Collins

    Looking for cheaper 2016 Lexus NX 200t insurance in Madison, Wisconsin. Help!

  3. Keesha Hickman

    I live just outside Portland, OR. Received rates from 21st Century, Erie, and The General for my Lexus and saved around $160 a year. Thankfully I’m not a high risk driver.

  4. Phil Adams

    Live in the eastern part of Davenport, Iowa and for me State Farm had the lowest quote. Left Hanover to switch. God forbid I actually have a claim.

  5. Meghann Mullen

    Affordable car insurance is a myth. Located in Charleston, SC. Received prices from Safeco, Encompass, State Farm, and AIG Insurance for my NX 200t and saved $397 a year. Was with Western Auto Insurance. I have kids on my policy, too.

  6. Gia Morton

    Does Oregon have minimum liability laws?

  7. Lillian Jenkins

    Is State Farm cheaper than Amica in Saint Louis, Missouri?

  8. Jonas Nguyen

    Compared rates with GEICO and AAA but still pricey.

  9. Jaye Cleveland

    Does State Farm insure at replacement cost?

  10. Alva Huffman

    All companies are crooks. From northwest of Wichita, KS. I quoted with AAA, Sentry, and a few others for my 2016 Lexus NX 200t and saved $474 a year. Left Nationwide to switch.

  11. Starr Maynard

    Does State Farm insure at replacement cost?