Save on 2016 Lexus RX 350 Insurance Cost

Looking for better insurance coverage rates? Shoppers have a choice when shopping for affordable Lexus RX 350 insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online and we’ll show you the best way to get price quotes for a new or used Lexus and find the lowest possible price from both online companies and local agents.

Consumers should take time to do rate comparisons every six months because rates tend to go up over time. If you had the best price for RX 350 coverage on your last policy you will most likely find a better rate today. So just forget all the misinformation about insurance coverage because I’m going to teach you the fastest and easiest way to lower your annual insurance bill.

Compare Quotes for Auto Insurance

Finding cheaper 2016 Lexus RX 350 auto insurance prices doesn’t have to be difficult. Just invest a little time to compare quotes online with multiple companies. This is very easy and can be done using a couple different methods.

  1. The recommended way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate forms for each company. A single, simple form will return price quotes direct from many companies. Just one form and you’re done.
  2. Another way to shop for auto insurance online consists of visiting each individual company website and request a quote. For examples sake, let’s say you want rates from USAA, Liberty Mutual and American Family. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The hardest method to get comparison rates is to spend your day driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the personal advice of a local agent. However, consumers can find lower rates online and get advice from an agent in your area and we’ll cover that in a bit.

Which method you use is up to you, but be sure to compare apples-to-apples deductibles and coverage limits for every quote you compare. If you compare mixed coverages you can’t possibly truly determine the lowest rate.

Tailor your coverage to you

When buying coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • What if I don’t agree with a claim settlement offer?
  • If my pet gets injured in an accident are they covered?
  • Do I need higher collision deductibles?
  • Do all my vehicles need collision coverage?
  • Am I covered when driving on a suspended license?
  • When should I not file a claim?
  • Does liability extend to a camper or trailer?
  • Is my Lexus RX 350 covered if I use it for business?
  • Should I buy only the required minimum liability coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverages and their meanings

Learning about specific coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Medical expense coverage

Med pay and PIP coverage pay for bills such as dental work, rehabilitation expenses, doctor visits and nursing services. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as medical services, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Lexus RX 350.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

This coverage will pay to fix damage to your RX 350 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, theft and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.