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Lexus RX 350 Insurance Rates

Shopping for car insurance from online companies saves time, is easy to do, plus you can save money. The key to finding lower rates is to compare as many rate quotes as possible in order to accurately compare all your choices.

Comparing car insurance rates direct online can be difficult if you are a beginner to online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. The fastest way to find the cheapest Lexus RX 350 insurance quotes consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by...

Car insurance premiums for a Lexus RX 350 will vary greatly and are calculated by many factors. Including but not limited to:

  • Tickets increase premiums
  • Your credit history
  • Where you reside can make a big difference
  • How many miles you drive
  • Men typically pay more than women
  • The deductible you choose
  • Crash test rating for your RX 350
  • Your occupation
  • The amount of protection requested
  • Home ownership saves money

An additional factor that will help determine Lexus RX 350 insurance rates is the year of the vehicle. Older cars and trucks have a lower value than newer models so repair costs tend to be lower which may end up costing you less. But more recent Lexus vehicles may have safety features including an advanced theft deterrent system, all-wheel drive, and traction control so those may help offset higher rates.

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

Liability coverage

This will cover damage or injury you incur to other people or property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as much as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Lexus caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Lexus RX 350 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.

How Much are Lexus RX 350 Insurance Rates?