How Much Does 2011 Lexus RX 350 Car Insurance Cost?
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UPDATED: Aug 23, 2022
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Having to pay for overpriced Lexus RX 350 insurance can empty your personal savings and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Popular companies such as Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with TV and radio ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.
If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Finding the best rates is not rocket science. Consumers only need an understanding of the most efficient way to shop for auto insurance over the internet.
Save big with these discounts
The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you purchase, but lesser-known reductions have to be asked for in order for you to get them. If they aren’t giving you every credit available, you’re just leaving money on the table.
- Discount for New Cars – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- Auto/Home Discount – If you have multiple policies with one company you may save at least 10% off all policies.
- Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
- Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break when buying auto insurance for RX 350 coverage.
- Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
- Resident Student – Children who live away from home and do not have a car can be insured at a reduced rate.
It’s important to note that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.
Insurance companies that possibly offer these benefits are:
It’s a good idea to ask each insurance company what discounts are available to you. Savings might not apply in every state.
But I don’t know anything about car insurance
When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from an agent’s advice.
- Can my teen drive my company car?
- How high should my medical payments coverage be?
- Does coverage extend to a rental car in a foreign country?
- When would I need additional glass coverage?
- When should I buy a commercial auto policy?
- Does my insurance cover a custom paint job?
- Why am I required to get a high-risk car insurance policy?
- Should I drop comprehensive coverage on older vehicles?
- Do I pay less if my vehicle is kept in my garage?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.
Can you really save $399 a year?
Consumers can’t ignore all the ads that promise big savings by State Farm, Allstate and GEICO. They all seem to say the same thing about savings after switching to their company.
How does each company make the same claim?
Different companies can use profiling for the driver that is profitable for them. For example, a driver they prefer could be between the ages of 30 and 50, is a homeowner, and has a high credit rating. A customer getting a price quote who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.
Potential customers who fall outside the “perfect” profile must pay a higher premium and this can result in business not being written. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently make those claims.
This illustrates why you need to compare many company’s rates. It’s just too difficult to predict the company that will have the lowest Lexus RX 350 insurance rates.
Auto insurance coverages
Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages offered by insurance companies.
Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and 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. Frequently these coverages are similar to your liability insurance amounts.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like chiropractic care, doctor visits, nursing services, funeral costs and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability coverages – This coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like funeral expenses, medical services, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.
Comprehensive coverage – This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like theft, a broken windshield, damage from a tornado or hurricane and rock chips in glass. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage – Collision insurance covers damage to your RX 350 resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as driving through your garage door, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Smart consumers save more
Cheaper 2011 Lexus RX 350 insurance can be bought both online and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.
We just presented a lot of ways to save on insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.
As you prepare to switch companies, never buy less coverage just to save a little money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at a price you can afford, not the least amount of coverage.
For more information, take a look at these articles:
- Choosing a Car for Your Teen (State Farm)
- Teen Driver Licensing Information (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Distracted Driving (Insurance Information Insitute)
- How do I File a Claim? (Insurance Information Insitute)
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