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Lexus NX 300 Insurance Rates

Shopping for auto insurance on the web can be fast and easy and there is a good chance you might just save a little. The most important part is to take the time to get as many rate quotes as possible so you can get the best prices.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes to get quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Auto insurance rates for a Lexus NX 300 can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Male rates may be higher
  • Low deductibles cost more
  • Safety rating of your NX 300
  • Claims drive up premiums
  • No coverage lapses saves money
  • Whether you own your home

A final factor that will help determine Lexus NX 300 insurance rates is the model year. New vehicles have a higher replacement value in comparison to later models so the cost to replace them can inflate annual premiums. Conversely, newer vehicles may have a trim level with safety features such as a telematics system, lane departure warning system, and tire pressure monitors which can give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Liability car insurance - This coverage can cover damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverages - Collision coverage covers damage to your Lexus caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Lexus NX 300 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive auto insurance - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Lexus NX 300 comprehensive insurance. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus NX 300 Insurance Rates?