Lexus NX 300h Insurance Cost

There are many options when shopping for car insurance for your Lexus vehicle. You can either buy through an agent or go online to check prices from insurance providers. Buying car insurance by comparing rates online can be fast and easy and there is a good chance you can save money.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to get quotes from different insurance companies. By far the easiest way to find competitive NX 300h insurance rates is to get quotes online. This can be accomplished by completing this short form.

Car insurance premiums for a Lexus NX 300h can be significantly different depending on several factors. Some of these factors include:

• Higher performance NX 300h vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• Use of your vehicle
• Extra coverages like towing and rental
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor that helps determine NX 300h insurance cost is the year of the vehicle. Older models cost less than newer models so repair costs tend to be lower which may result in lower rates. Conversely, more recent Lexus vehicles may have safety features such as a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system that may help give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your NX 300h below.

• 2015 Lexus NX 300h Insurance Rates

Auto liability insurance

This coverage will cover damage that occurs to other people or property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision insurance

Collision insurance will pay to fix damage to your Lexus caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. NX 300h collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus NX 300h Insurance Rates?