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Lexus RX 350 Insurance Rates

You have lots of choices when shopping for insurance coverage for your Lexus vehicle. You can buy from a local agent or shop online to check prices from car insurance companies. Buying car insurance from online rate quotes is easy and at the same time you might just save a little.

People who are new to comparison shopping may think buying cheap Lexus RX 350 insurance is more work than they want to put in. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The best method to find competitive Lexus RX 350 insurance cost is to get quotes online. It is quite easy and can be accomplished by completing this short form.

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What factors impact the rate you pay?

Auto insurance rates for a Lexus RX 350 will vary greatly based upon several criteria. Taken into consideration are:

  • The performance level of your RX 350
  • Your accident history
  • Multiple policies can save money
  • Use of your vehicle
  • Special coverage such as replacement cost
  • What you do for a living
  • The amount of protection requested
  • Whether you rent or own your home

A final factor that helps determine Lexus RX 350 insurance rates is the model year. Older models have a reduced actual cash value in comparison to older models so repair costs tend to be lower which will push premiums down. But new Lexus models may have a trim level with safety features including a collision avoidance system, forward-collision avoidance, and active head restraints so those may give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your RX 350 from available model years below.

Liability insurance - Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Lexus RX 350 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your Lexus RX 350 comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage - Medical payments and Personal Injury Protection insurance provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus RX 350 Insurance Rates?