View 2016 Lexus RX 350 Insurance Quotes

Searching for the cheapest insurance rates for your Lexus RX 350? Locating the cheapest insurance for a Lexus RX 350 can normally be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to find insurance online so you’re going to learn the best way to price shop coverage for a new or used Lexus and get the best price possible.

You need to price shop coverage every six months because rates go up and down regularly. Just because you found the best price for RX 350 coverage last year a different company probably has better rates today. Ignore everything you know about insurance because you’re about to learn the fastest and easiest way to eliminate unnecessary coverages and save money.

Where Can I Get Cheap Car Insurance?

Finding lower car insurance rates is surprisingly easy. All you need to do is invest a few minutes to compare rate quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The best way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for repetitive form submissions for each company you want a rate for. One form submission will get you rate comparisons from several companies. This is by far the quickest method.

A slightly less efficient method to compare prices requires visiting the website for every company you want to comare to request a price quote. For example, we’ll assume you want to compare rates from Progressive, Safeco and Allstate. You would have to go to every website to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

The least efficient method to compare rates is to spend your day driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you want the professional advice that only a license agent can provide. It is possible to get the lowest quotes online but buy from a local insurance agent and we’ll touch on that later.

It doesn’t matter which method you choose, just ensure you’re using the exact same quote information on every quote. If each company quotes different deductibles it’s impossible to make a fair comparison for your Lexus RX 350.

Tailor your coverage to you

When it comes to choosing coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions might point out whether or not you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • I have health insurance so do I need medical payments coverage?
  • What if I don’t agree with a claim settlement offer?
  • Can I rent a car in Mexico?
  • Does liability extend to a camper or trailer?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, hitting a deer, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2016 Lexus RX 350.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for things like prosthetic devices, rehabilitation expenses, funeral costs and chiropractic care. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as legal defense fees, funeral expenses, bail bonds and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.