2017 Lexus RX 450h Insurance Rates – 8 Policy Discounts

Searching for better insurance prices for a new or used Lexus RX 450h can turn out to be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the quickest way to get price quotes on a Lexus and locate the lowest possible price.

Cheaper rates with these eight discounts

Companies that sell car insurance don’t always list every discount they offer very well, so here is a list both well-publicized as well as some of the hidden credits available to bring down your rates. If you do not double check each discount you deserve, you are throwing money away.

  • Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
  • One Accident Forgiven – Not really a discount, but some insurance companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
  • More Vehicles More Savings – Buying insurance for multiple vehicles with the same auto insurance company qualifies for this discount.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Mature Driver Discount – If you qualify as a senior citizen, you may be able to get reduced rates on RX 450h coverage.
  • Membership in Organizations – Affiliation with qualifying clubs or civic groups is a good way to get lower rates on your next auto insurance statement.
  • Accident Free – Claim-free drivers can earn big discounts as opposed to drivers who are more careless.

It’s important to note that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

A few companies who might offer these discounts possibly include:

When getting a coverage quote, ask all companies you are considering to apply every possible discount. Some discounts listed above might not be available to policyholders everywhere. To choose insurers who offer cheap auto insurance quotes, click this link.

Insurance coverage can be complex

When buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different.

For example, these questions may help you determine if your situation will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Will my insurance pay for OEM parts?
  • What is the minimum liability in my state?
  • Where can I get insurance after a DUI in my state?
  • Why is insurance for a teen driver so high?
  • Do I need motorclub coverage?
  • What is no-fault insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, rehabilitation expenses, chiropractic care, doctor visits and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Lexus RX 450h.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability insurance – Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things such as pain and suffering, repair bills for other people’s vehicles, medical expenses, medical services and attorney fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

Collision – Collision coverage pays for damage to your RX 450h resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Stretch your dollar

Insureds change insurance companies for many reasons like poor customer service, high rates after DUI convictions, questionable increases in premium and even lack of trust in their agent. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.

In this article, we covered a lot of information how to get a better price on 2017 Lexus RX 450h insurance. It’s most important to understand that the more price quotes you have, the better likelihood of getting inexpensive insurance coverage. You may even discover the best prices are with some of the smallest insurance companies.

Some car insurance companies may not offer online rate quotes and usually these regional insurance providers only sell through independent insurance agents. More affordable car insurance is possible on the web and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

Additional information is available at the links below