Buying Affordable Auto Insurance for a Lexus RX 400h Made Easy

Drivers have options when trying to find low-cost Lexus RX 400h insurance. They can either waste time struggling with agents to get rate comparisons or leverage the internet to get rate quotes. There is a better way to compare auto insurance rates and you need to know the best way to quote coverages for a Lexus and get the best price possible from local insurance agents and online providers.

How to Get Auto Insurance

There are a variety of methods to compare auto insurance prices but one way is more efficient than others. You could waste time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to achieve your goal.

The majority of car insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and every company can give them a price determined by their information. This saves time by eliminating quote requests to every company. To find out how much you’re overpaying now click to open in new window.

The only downside to pricing coverage this way is you don’t know exactly the insurers to get quotes from. If you prefer to choose specific providers for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you use, compare exactly the same quote information for each comparison quote. If your comparisons have higher or lower deductibles it’s impossible to determine the best price for your Lexus RX 400h. Just a small difference in coverage limits may result in a large different in cost. Just remember that comparing a large number of companies will improve the odds of getting the best price.

The fine print in auto insurance ads

Auto insurance companies such as 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all seem to say the same thing that you can save if you change your coverage to them. How does each company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the right customer they prefer to insure. For example, a preferred risk could possibly be between 25 and 40, has no tickets, and has a short commute. Any driver who meets those qualifications gets the lowest rates and most likely will save when switching.

Consumers who don’t measure up to the “perfect” profile will have to pay higher premiums which usually ends up with business going elsewhere. The ads say “drivers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently claim big savings. Because of the profiling, it is so important to compare as many rates as you can. Because you never know the company that will provide you with the cheapest rates.

Companies offer discounts so take them!

Auto insurance companies don’t necessarily list all available discounts very well, so here is a list some of the best known and the more hidden ways to save on auto insurance.

Multiple Vehicles – Buying insurance for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last well after school through age 25.
Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
Defensive Driving Course – Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
Low Mileage Discounts – Driving fewer miles could be rewarded with a substantially lower rate.
Multi-policy Discount – If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.

Keep in mind that most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky. Car insurance in

To see a list of insurers with the best auto insurance discounts, follow this link.

Quote online but still have a local agent

Certain consumers prefer to talk to a local agent and that is OK! The biggest benefit of comparing rates online is you may find the lowest rates but also keep your business local.

Upon completion of this form (opens in new window), your insurance data is instantly submitted to local insurance agents who will give you bids for your coverage. There is no reason to leave your computer as quotes are delivered to the email address you provide. Now that’s easy! It’s the lowest rates AND a local agent.

Selecting an provider needs to be determined by more than just a low price. Here are some questions to ask:

Are claim adjusters local or do you have to take your car somewhere else?
Are they full-time agents?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Do they receive special compensation for putting your coverage with one company over another?
How many years of experience in personal lines insurance coverages do they have?
Do they assist clients in filing claims?
How often do they review policy coverages?

Two types of insurance agencies

When searching for a local agent, you must know there are a couple different agency structures to choose from. Insurance agencies can either be independent (non-captive) or captive.

Captive Agents

Captive insurance agents can only write with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. They are well schooled on the products they sell and that can be a competitive advantage. Consumers often purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency.

When shopping rates, you should always get quotes from multiple independent agents for the best price selection. Many write coverage with smaller regional carriers which can be an advantage.

To view a full list of insurance agents, click here.

After getting answers to your satisfaction to all your questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that is a good match to properly insure your vehicles.

You may need specialized coverage

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

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

What if I don’t agree with a claim settlement offer?
Does my policy pay for OEM or aftermarket parts?
Why am I required to get a high-risk car insurance policy?
When should I not file a claim?
What can I do if my company won’t pay a claim?
What is covered by UM/UIM coverage?
What happens if I owe more than my Lexus RX 400h is worth?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

Compare but don’t skimp

Consumers change insurance companies for a number of reasons such as delays in paying claims, policy non-renewal, poor customer service or delays in responding to claim requests. No matter why you want to switch, finding a new company can be easier than you think.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an insured cut liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We just showed you quite a bit of information on how to get a better price on Lexus RX 400h insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the biggest savings come from the smaller companies.