Vehicles > Lexus > RX 400h

Lexus RX 400h Insurance Rates

Buying car insurance on the web saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to get rates from all companies so you can get all your choices.

Shopping online for car insurance can be a challenge if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The fastest way to find competitive RX 400h insurance quotes is to get quotes online. This can be accomplished by completing this short form.

FREE Car Insurance Comparison

Auto insurance rates on a Lexus RX 400h can fluctuate considerably and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Where you live
  • The number of annual miles
  • Male drivers pay higher rates
  • Low deductibles cost more
  • Safety rating of your RX 400h
  • What you do for a living
  • The amount of protection requested
  • Whether you own your home

A final factor that helps determine RX 400h insurance rates is the model year. Older models cost less in comparison to older models so the cost to replace them may end up costing you less. But new Lexus models may have a trim level with safety features including automatic crash notification, anti-lock brakes, and a backup camera which may give discounted rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability car insurance

This provides protection from damage that occurs to people or other property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your RX 400h can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your Lexus RX 400h comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage 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, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used in conjunction with a health insurance program or if there is no health insurance coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus RX 400h Insurance Rates?