2012 Lexus RX 450h Car Insurance Quotes

Want the cheapest auto insurance rates for your Lexus RX 450h? Tired of not being able to afford to buy car insurance? You are in the same boat as many other consumers.

Having so many companies to choose from, it’s difficult to pick the lowest price insurance company.

It’s a great practice to compare prices periodically since insurance rates are variable and change quite frequently. Even if you think you had the lowest rates for RX 450h insurance last year you will most likely find a better rate today. There is a lot of bad information regarding auto insurance on the web, but by reading this article, you’re going to learn a bunch of ideas how to find affordable auto insurance.

Pricing the cheapest coverage is quite easy. Essentially every vehicle owner who has to buy insurance stands a good chance to be able to find lower rates. But consumers can benefit by having an understanding of how the larger insurance companies market insurance on the web because it can help you find the best coverage.

The easiest way to compare car insurance company rates is to take advantage of the fact most of the larger companies pay for the opportunity to give rate comparisons. The one thing you need to do is provide information including whether you drive to work or school, your education level, the year, make and model of vehicles, and how much coverage you want. Your details gets transmitted to many different companies and you get price estimates quickly.

Is there truth in advertising?

Auto insurance companies such as State Farm and Allstate continually stream ads on television and other media. They all seem to make the same claim about savings after switching to their company. How do they all claim to save you money? It’s all in the numbers.

Different companies are able to cherry pick for the type of customer that makes them money. An example of a driver they prefer could possibly be between 25 and 40, is a homeowner, and has great credit. A propective insured that hits that “sweet spot” receives the best rates and therefore will pay quite a bit less when switching companies.

Potential insureds who fall outside this ideal profile will have to pay more money which leads to business not being written. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s why companies can truthfully claim big savings.

Because of the profiling, drivers should quote coverage with many companies. It’s impossible to know which auto insurance company will provide you with the cheapest Lexus RX 450h insurance rates.

Lexus RX 450h rates influenced by many factors

An important part of buying insurance is that you know the rating factors that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

  • Your spouse saves you money – Being married actually saves money when buying auto insurance. Marriage is viewed as being more mature and responsible and statistics show drivers who are married are more cautious.
  • Bad driving skills means higher rates – Only having one citation can boost insurance rates twenty percent or more. Careful drivers get better rates compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with the DMV in their state in order to keep their license.
  • Do you know your deductibles? – Your deductibles represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply would be colliding with a building, vandalism, or theft. The more you are required to pay out-of-pocket, the lower your rates will be for RX 450h insurance.
  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Drive a safer car and pay less – Safer cars can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates. If the Lexus RX 450h is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Teen drivers pay high rates – Older drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers have a tendency to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.

More discounts equal less premium

Car insurance is not cheap, but you may find discounts that many people don’t even know exist. Some discounts apply automatically at the time of quoting, but some must be asked for before you will receive the discount.

  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Safety Course Discount – Taking a course in driver safety could cut 5% off your bill if your company offers it.
  • E-sign – A few companies give back up to $50 just for signing your application on their website.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Good Student Discount – This discount can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will help reduce the amount you have to pay.

For a list of insurers offering car insurance discounts, click here to view.

It’s not one size fits all

When buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you will benefit from professional help.

  • Do I have newly-aquired coverage?
  • What happens if I owe more than my 2012 Lexus RX 450h is worth?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need more liability coverage?
  • What is an SR-22 filing?
  • Is my teen driver covered when they drive my company car?
  • What is PIP insurance?
  • Is a fancy paint job covered?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance 101

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on most car insurance policies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as prosthetic devices, surgery, funeral costs, ambulance fees and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Lexus RX 450h.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.


Liability coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, structural damage and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

This coverage pays to fix your vehicle from 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 hitting a deer, a tree branch falling on your vehicle, vandalism, a broken windshield and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision coverage pays for damage to your RX 450h from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

More quotes mean more savings

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced full coverage to discover at claim time 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 price while still protecting your assets.

Affordable 2012 Lexus RX 450h insurance is definitely available from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not provide online quoting and these small, regional companies work with independent agents.

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