2014 Lexus LX 570 Car Insurance Cost in 2024

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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

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Searching for cheaper insurance coverage rates for your Lexus LX 570? Car owners who are new to the process of buying insurance coverage online will find sourcing the cheapest insurance coverage is very challenging.

You should take the time to compare rates at least once a year since insurance rates change frequently. Even if you think you had the best deal on LX 570 insurance a couple years back there is a good chance you can find better prices now. There is too much inaccurate information about insurance coverage on the internet, but in this article, you’re going to get some guaranteed methods to find cheap insurance coverage.

Insurance coverage quotes comparison

There are multiple methods to compare insurance coverage prices but one way is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to quickly compare rates.

Most car insurance companies participate in a marketplace where prospective buyers submit one quote, and each company can give them a price based on that information. This eliminates the need for quotation requests to each individual insurance coverage company. To find out what other companies charge enter your zip code here.

The only drawback to using this type of form is buyers cannot specifically choose which providers to get pricing from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of insurance coverage companies in your area. Click to enter zip code.

Compare rates however you want, just ensure you are comparing the same coverages and limits for every quote you compare. If you enter unequal deductibles or liability limits it will be nearly impossible to get a fair rate comparison. Even a minor difference in coverages can mean a large discrepancy in price. And when comparing insurance coverage rates, know that quoting more increases the change that you will find the best rates.

Use discounts on insurance coverage

Companies offering auto insurance don’t necessarily list every possible discount in an easy-to-find place, so the next list breaks down a few of the more well known as well as the least known insurance coverage savings.

  • Homeowners Savings – Simply owning a home can save a few bucks because owning a home requires a higher level of personal finance.
  • Discount for Life Insurance – Select insurance companies reward you with a discounted insurance coverage rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Online Discount – Some of the larger companies give back up to $50 simply for signing online.
  • Low Mileage Discounts – Driving less could qualify for cheaper rates.
  • Discount for New Cars – Putting insurance on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • One Accident Forgiven – This one isn’t a discount, but a handful of insurance companies may permit one accident without the usual rate increase if you are claim-free prior to being involved in the accident.
  • Passive Restraints – Factory options such as air bags or automatic seat belts can qualify for discounts up to 30%.
  • Accident Free – Insureds with no claims or accidents can earn big discounts when compared to frequent claim filers.
  • Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But any discount will positively reduce your insurance coverage premiums.

Insurance companies that may offer quotes with some of the discounts shown above include:

  • Farm Bureau
  • State Farm
  • Progressive
  • Allstate
  • Nationwide
  • MetLife

It’s a good idea to ask each company how many discounts you can get. All car insurance discounts may not be available in your area.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions may help you determine whether or not you might need an agent’s assistance.

  • Does coverage extend to Mexico or Canada?
  • Do I need replacement cost coverage on my 2014 Lexus LX 570?
  • How high should my medical payments coverage be?
  • Do I need an umbrella policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and enter your zip code.

Parts of your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, damage from flooding, hitting a bird and a broken windshield. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Lexus LX 570.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liability limits.

Collision coverage protection

This pays for damage to your LX 570 from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, hitting a parking meter, hitting a mailbox, crashing into a ditch and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like doctor visits, dental work and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverage

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as medical expenses, emergency aid and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

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