2011 Lexus LX 570 Car Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 5, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find lower auto insurance rates for your Lexus LX 570? Are you overwhelmed by the crazy number of auto insurance providers that you can choose from? Many other drivers are as well. There are so many options that it can easily become a real hassle to find lower rates.

If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. Shopping for the best coverage is quite easy. Nevertheless, vehicle owners can benefit by having an understanding of the methods companies use to market on the web.

Find hidden discounts to get affordable insurance coverage quotes

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Some discounts will apply when you get a quote, but a few need to be asked about in order for you to get them.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
  • Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.
  • Low Mileage – Maintaining low annual mileage may enable drivers to earn substantially lower premium rates.
  • Switch and Save Discount – A few larger companies give discounts for buying a policy prior to your current policy expiration. This discount can save up to 10%.
  • Safety Restraint Discount – Drivers who require all occupants to buckle up could cut 10% or more off the personal injury premium cost.
  • Discounts for New Vehicles – Insuring a new car is cheaper compared to insuring an older model.
  • Multiple Policy Discount – When you combine your home and auto insurance and place coverage with the same company you could earn a discount of 10% to 20% off each policy.

We need to note that most credits do not apply to the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Some companies that may offer quotes with some of the above discounts possibly include:

  • Farm Bureau
  • MetLife
  • Progressive
  • AAA
  • American Family
  • GEICO
  • State Farm

Double check with every company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in your area.

Learn how to lower your insurance prices

Smart consumers have a good feel for some of the factors that aid in calculating the rates you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you lower insurance prices. Many factors are considered when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but others are more obscure such as whether you are married or your financial responsibility.

The list below includes some of the things used by insurance companies to determine your rate level.

  • Combine home and auto and save – The majority of insurance companies give discounts to insureds that buy multiple policies such as combining an auto and homeowners policy. Even with this discount, it’s still a good idea to check prices from other companies to make sure you are getting the best deal. Consumers may save more without the discount even if you have your coverage with different companies.
  • How many miles do you drive? – The higher the mileage driven annually the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based upon how the vehicle is primarily used. Vehicles left parked in the garage cost less to insure compared to those used for work or business. It’s a good idea to make sure your vehicle rating states annual mileage, because improper ratings can cost you money. An improperly rated LX 570 is throwing money out the window.
  • Save money with high credit – A driver’s credit rating is a large factor in determining your rates. If your credit could use some work, you could save money insuring your 2011 Lexus LX 570 by spending a little time repairing your credit. Insureds with high credit ratings tend to be better risks to insure than drivers who have lower credit ratings.
  • Liability insurance safeguards assets – Your insurance policy’s liability coverage provides coverage if ever you are determined to be liable for physical damage or personal injury to other. It will provide for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should carry high limits.
  • Vehicle features that lower prices – Owning a car with a theft deterrent system can help lower your premiums. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Cheaper to insure gals? – Statistics demonstrate women are more cautious behind the wheel. The data does not necessarily mean that men are worse drivers. Women and men are in auto accidents at a similar rate, but guys have accidents that have higher claims. Men also get higher numbers of serious violations such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Stress out and pay more – Occupations such as military generals, business owners and emergency personnel are shown to have the highest rates because of intense work situations and lots of time spent away from family. On the other hand, occupations such as farmers, engineers and retirees get better rates on LX 570 insurance.
  • Eliminate unneeded add-on coverages – Insurance companies have many additional coverages that you can get tricked into buying if you aren’t careful. Coverage for things like roadside assistance, better glass coverage, and extra equipment coverage are some examples. They may seem like a good idea when buying your policy, but now you might not need them so remove them from your policy.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Do I need to file an SR-22 for a DUI in my state?
  • What can I do if my company denied a claim?
  • Does my 2011 Lexus LX 570 need full coverage?
  • Do I need more liability coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is extra glass coverage worth it?
  • Who is covered by my policy?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

But they said I’d save $392 a year!

Well-known car insurance companies like 21st Century, Allstate and State Farm endlessly run television and radio advertisements. They all seem to make an identical promise that you’ll save big if you change your car insurance policy to them. How do they all say the same thing?

Companies look for specific characteristics for the type of driver that earns them a profit. A good example of this type of insured may be a female over age 40, insures multiple vehicles, and has excellent credit. A driver that fits those parameters will probably get the lowest prices and most likely will save some money.

Potential insureds who don’t qualify for the “perfect” profile will see higher prices and ends up with the customer not buying. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save the amount stated. That’s why companies can advertise the savings.

Different companies use different criteria so it’s extremely important to get as many free insurance quotes as possible. It’s just not possible to know the company that will give you lower prices than your current company.

Car insurance coverages 101

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive car insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, falling objects, damage from flooding and hitting a deer. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liability limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for hospital visits, nursing services, chiropractic care and funeral costs. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your LX 570 caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage

This coverage provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like emergency aid, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Quote often and quote early

We just presented many ideas to get a better price on 2011 Lexus LX 570 insurance. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper insurance. You may even discover the best premium rates are with a company that doesn’t do a lot of advertising.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an accident victim reduced liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at an affordable rate.

Affordable 2011 Lexus LX 570 insurance is attainable on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance companies do not provide online price quotes and many times these regional insurance providers work with independent insurance agencies.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles