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Lexus RX 350 Insurance Rates

You have many choices when buying insurance for your Lexus vehicle. You can either contact your neighborhood insurance agent or go online to compare rates from multiple insurance companies. Buying auto insurance on the web can be fast and easy, in addition you will probably save money.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies competing for your business. Finding lower Lexus RX 350 insurance cost isn't really that difficult. You just have to spend a little time comparing rates provided by online insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Lexus RX 350 will vary greatly depending on several factors. A few of these criteria are:

  • Higher performance RX 350 vehicles cost more
  • Your accident history
  • Multiple policies can save money
  • How you use your vehicle
  • Your birth date
  • Whether you are married
  • Optional coverages like vehicle replacement
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Owning a home can lower rates

One last important factor that helps determine the rate you pay on your Lexus is the year of manufacture. Newer models cost more so the cost to replace them will push premiums up. Although newer vehicles may have options included like tire pressure monitors, active head restraints, and pedestrian detection so those may lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your RX 350 from the following list.

Liability car insurance - This coverage can cover injuries or damage you cause to a person or their property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage - Collision insurance covers damage to your Lexus from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper Lexus RX 350 insurance rates.

Comprehensive auto insurance - This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses - Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.

How Much are Lexus RX 350 Insurance Rates?