How many times have you put off comparing quotes for lower-priced Lexus RX 350 insurance in Houston? Wish you could get a refund on an underperforming, overpriced insurance policy? Don’t sweat it because there are many Houston drivers thinking the same thing.
It’s amazing but the vast majority of consumers renewed their policy with the same company for a minimum of four years, and approximately 40% of consumers have never taken the time to shop around. American consumers can save hundreds of dollars each year just by getting comparison quotes, but they won’t spend time to compare rates and save money.
Multiple insurers compete for your hard-earned dollar, so it’s not easy to compare every company and get the definite lowest rate on Lexus RX 350 insurance in Houston.
You should take the time to check insurance prices as often as possible since insurance rates are usually higher with each renewal. Even if you got the best premium rates on Lexus RX 350 insurance in Houston a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because we’re going to show you the things you must know in order to remove unneeded coverages and save money.
All the larger insurance companies provide coverage price quotes on their websites. Getting quotes for Lexus RX 350 insurance in Houston is quite simple as all you need to do is type in your personal and coverage information as detailed in the form. After you complete the form, their rating system obtains your credit score and driving record and generates a price based on the data you entered. The ability to get online price quotes for Lexus RX 350 insurance in Houston streamlines rate comparisons, and it’s very important to compare as many rates as possible if you are searching for the most affordable premium.
To use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you replicate coverages and limits identical to your current policy. Doing this guarantees you’re receiving comparison quotes for exact coverage.
The providers in the list below provide free rate quotes in Houston, TX. If multiple companies are listed, we suggest you visit as many as you can in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 350 2WD | $196 | $414 | $452 | $26 | $136 | $1,224 | $102 |
| RX 350 4WD | $292 | $532 | $440 | $26 | $132 | $1,422 | $119 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in vehicle location which can decrease or increase prices significantly.
Comparison of full coverage and liability-only policies
The illustration below shows the comparison of Lexus RX 350 insurance premiums with full coverage compared to only the Texas minimum liability coverage. The data assumes no violations or accidents, $100 deductibles, married female driver, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no definitive rule to delete full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Lexus RX 350 claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after you pay the deductible. If it’s costing you more than $300 annually for physical damage coverage, then it could be time to drop full coverage.
There are a few situations where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Get cheaper Lexus RX 350 insurance in Houston with discounts
Insurance can cost an arm and a leg, but companies offer discounts that could drop your premiums quite a bit. Many discounts should be triggered when you quote, but some discounts are required to be inquired about before they will apply.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
- Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10%.
- Defensive Driver Discount – Completing a course teaching defensive driving skills could earn you a small percentage discount if your company offers it.
- Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less than their less cautious counterparts.
- Active Military Service – Being deployed in the military could mean lower insurance rates.
- Federal Government Employee – Simply working for the federal government could provide a small rate reduction depending on your company.
- Telematics Data Discounts – People who choose to allow driving data collection to analyze when and where they use their vehicle by using a telematics device like Allstate’s Drivewise might see lower rates as long as they are good drivers.
We need to note that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
A few companies that have some of the above discounts include:
Before purchasing a policy, check with every company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders everywhere.
Local Houston insurance agencies and car insurance
Many drivers would prefer to talk to an insurance agent and that can be a great decision A nice benefit of comparing rates online is that drivers can save money and get cheap car insurance quotes but still work with a licensed agent. Buying insurance from local insurance agents is important particularly in Houston.
To find an agent, once you fill out this form (opens in new window), the coverage information is submitted to companies in Houston that give free quotes for your insurance coverage. You don’t have to contact any agents as quotes are delivered to your email. You can most likely find cheaper rates AND an agent nearby. If you want to compare prices from a particular provider, you just need to navigate to their website and complete a quote there.
What type of Houston auto insurance agent is right for you?
When researching a good Houston insurance agent, it can be helpful to understand the types of agencies from which to choose. Car insurance policy providers can be described as either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agencies
Agents that choose to be independent are not employed by one company so they can insure your vehicles with lots of companies and find you cheaper rates. If you want to switch companies, they simply switch companies in-house and you don’t have to switch agencies. When comparison shopping, you should always get rate quotes from several independent insurance agents to get the best comparison.
Listed below are Houston independent agencies who can help you get pricing information.
Texas Prime Insurance Agency, LLC
6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000 – View Map
Noveri Insurance Agency
2657 Gessner Rd – Houston, TX 77080 – (713) 460-9400 – View Map
Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map
Exclusive Agencies
These type of agents can only quote rates from one company and examples are State Farm, Allstate and AAA. Exclusive agents are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agents are trained well on sales techniques and that enables them to sell even at higher rates.
The following are exclusive agents in Houston who can help you get price quotes.
Felicia Boudreaux – State Farm Insurance Agent
14901 TX-249 #105 – Houston, TX 77086 – (713) 464-2077 – View Map
Ricky Maique – State Farm Insurance Agent
8811 Westheimer Rd #205 – Houston, TX 77063 – (713) 781-6132 – View Map
Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107 – Houston, TX 77062 – (281) 486-9100 – View Map
Finding a good auto insurance agent should include more criteria than just the price. These are valid questions to ask:
- Does the agency have a positive business rating?
- When do they do policy reviews?
- Will your rates increase after a single accident?
- Which family members are covered?
- Does the company have a local claim office in Houston?
- How long have they worked with personal auto insurance coverage?
Buying the right Lexus vehicle insurance in Texas is an important decision
Despite the high insurance cost for a Lexus RX 350 in Houston, insurance may be mandatory for several reasons.
- The majority of states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Lexus RX 350, more than likely the lender will force you to have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Lexus at a significantly higher premium and make you pay for the expensive policy.
- Auto insurance preserves both your assets and your Lexus RX 350. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. According to a recent study, the average American driver is overpaying more than $865 each year so it’s important to compare rates at every renewal to save money.
Specifics of your insurance policy
Knowing the specifics of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types offered by insurance companies.
Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for expenses for nursing services, doctor visits and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Uninsured or underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many Texas drivers only purchase the least amount of liability that is required (30/60/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from flooding and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Liability auto insurance – This provides protection from damage or injury you incur to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 30/60/25 that translate to a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.
Liability coverage protects against claims like legal defense fees, court costs and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford. Texas state minimum liability requirements are 30/60/25 but it’s recommended drivers buy more coverage.
Collision – Collision insurance will pay to fix damage to your RX 350 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like hitting a parking meter, colliding with another moving vehicle, crashing into a ditch, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible on your RX 350 in order to get cheaper collision rates.
More quotes mean more insurance savings
There are still a few companies who don’t offer price quotes online and many times these regional carriers work with independent agents. Affordable Lexus RX 350 insurance in Houston is definitely available on the web and from local insurance agents, and you need to price shop both to get a complete price analysis.
As you quote Houston auto insurance, make sure you don’t reduce needed coverages to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at a price you can afford.
Other information
- Vehicle Insurance (Wikipedia)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Sentra in Houston? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)
- Teen Driver Licensing Information (iihs.org)