Have you finally had enough of sacrificing to buy car insurance? You are no different than many other Texas consumers.

Insurance rates Lexus RX 350 in HoustonA recent car insurance study discovered that almost 70% of drivers kept buying from the same company for over three years, and approximately 38% of consumers have never compared rates from other carriers. Many drivers in Houston could cut their rates by about $1,800 a year by just shopping around, but most just don't grasp how much they could save if they changed companies.

You have multiple auto insurance companies to insure vehicles with, and although it's nice to be able to choose, more choices can make it harder to locate the cheapest rates for Lexus RX 350 insurance in Houston.

You need to get comparison quotes occasionally because prices are constantly changing. Just because you found the best deal on Lexus RX 350 insurance in Houston a few years ago you may be paying too much now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

It's important to know that obtaining a wide range of quotes gives you a better chance of getting a lower rate than you're paying now.

The companies in the list below are ready to provide comparison quotes in Houston, TX. If your goal is to find cheap car insurance in Texas, we suggest you click on several of them in order to get a fair rate comparison.

Lexus RX 350 Insurance Rate Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 350 2WD $294 $624 $520 $30 $156 $1,624 $135
RX 350 4WD $376 $738 $444 $26 $132 $1,716 $143
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in specific garaging location which can revise premium rates significantly.

Rate comparison for different deductibles

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The premium rates below may help to conceptualize the difference in cost when you buy lower versus higher policy deductibles. The first set of prices uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.

Lexus RX 350 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 350 2WD $370 $672 $430 $26 $128 $1,651 $138
RX 350 4WD $370 $672 $430 $26 $128 $1,651 $138
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Lexus RX 350 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 350 2WD $300 $542 $430 $26 $128 $1,426 $119
RX 350 4WD $300 $542 $430 $26 $128 $1,426 $119
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location information which can raise or lower prices considerably.

Based on the above data, using a $250 deductible could cost the average driver approximately $19 more each month or $228 a year than choosing the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 13 months between claims, you would most likely save money by going with a higher deductible.

Auto insurance premiums based on gender

The chart below illustrates the difference between Lexus RX 350 auto insurance costs for male and female drivers. The information is based on no claims or driving citations, comp and collision included, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Deductible analysis

The illustration below highlights how deductible choice and can raise or lower Lexus RX 350 premium costs for each different age category. The data assumes a single female driver, full physical damage coverage, and no discounts are applied.

Earn discounts to get lower-cost Houston auto insurance rates

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be inquired about prior to receiving the credit.Auto insurance discounts

Remember that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, insurance companies wouldn't stay in business.

A partial list of companies that may offer some of the discounts shown above include:

Before you buy a policy, ask each company or agent the best way to save money. Some discounts listed above may not be offered in Houston.

Are insurance agencies obsolete?

A lot of people would prefer to buy from a local agent and that is not a bad decision A good thing about price shopping on the web is the fact that you can find cheap auto insurance quotes but still work with a licensed agent.

Insurance agents in HoustonUpon completion of this short form, the coverage information is submitted to insurance agents in Houston who will return price quotes to get your business. You won't even need to do any legwork due to the fact that quote results will go directly to your email. Get lower rates without a big time investment. If you need to get a price quote from a specific auto insurance provider, feel free to find their quoting web page and submit a quote form there.

Picking the best insurance company should depend on more than just the bottom line cost. Here are some questions to ask:

After talking to the agent and getting positive responses for all questions you ask and an acceptable price quote, it's possible that you found a company that can be relied on to adequately provide auto insurance. But keep in mind you are able to cancel coverage for any reason so don't think you are locked into any particular company for any length of time.

Coverage specifics

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Liability

This coverage protects you from damages or injuries you inflict on other's property or people 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 commonly see policy limits of 30/60/25 which stand for a limit of $30,000 per injured person, $60,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things such as attorney fees, structural damage, repair costs for stationary objects, legal defense fees and medical services. How much liability should you purchase? That is your choice, but it's cheap coverage so purchase as much as you can afford. Texas requires drivers to carry at least 30/60/25 but drivers should carry higher limits.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as pain medications, nursing services, EMT expenses, chiropractic care and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle, damage from getting keyed and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Collision insurance

This covers damage to your RX 350 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, hitting a parking meter, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It's also possible to choose a higher deductible on your RX 350 to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle's damage.

Since many Texas drivers only carry the minimum required liability limits (30/60/25 in Texas), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Quote often and quote early

Lower-priced auto insurance in Houston can be bought both online as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies do not offer price quotes online and usually these smaller providers work with independent agencies.

While you're price shopping online, don't be tempted to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed full coverage and learned later that it was a big mistake. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

You just read a lot of tips how to find cheaper Lexus RX 350 insurance in Houston. The key thing to remember is the more providers you compare, the better chance you'll have of finding inexpensive Houston auto insurance quotes. Drivers may even discover the biggest savings come from a small local company. Regional companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Allstate or State Farm.

Even more information is available by following these links: