Really, the only way to find cheaper quotes for car insurance rates is to start comparing rates regularly from providers who sell insurance in Long Beach. You can compare prices by following these steps.
- Step 1: Learn about what coverages are included in your policy and the measures you can control to keep rates low. Many things that cause rate increases like traffic tickets, fender benders, and a less-than-favorable credit score can be rectified by paying attention to minor details. Continue reading for the details to get cheaper coverage and get discounts that may be available to you.
- Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like GEICO and State Farm, while independent agents can provide prices from multiple companies.
- Step 3: Compare the price quotes to your existing coverage to see if cheaper RX 350 coverage is available. If you can save money and change companies, make sure coverage is continuous and does not lapse.
- Step 4: Provide proper notification to your current company of your decision to cancel the current policy. Submit a completed application and payment for the new coverage. Immediately upon receiving it, place your new proof of insurance certificate in your glove compartment.
A good tip to remember is to use the same liability limits and deductibles on every price quote and and to get quotes from as many companies as possible. This ensures the most accurate price comparison and a thorough selection of prices.
We don’t have to tell you that auto insurance companies don’t want you shop around. Drivers who shop around for cheaper price quotes will presumably switch auto insurance companies because they have good chances of finding a lower-priced policy. A recent survey discovered that drivers who compared rates annually saved on average $850 each year compared to people who don’t regularly compare prices.
If finding the lowest price for auto insurance in Long Beach is your ultimate objective, then having an understanding of the best way to compare coverage rates can help you succeed in saving money.
Locating the most cost-effective auto insurance policy in Long Beach is not rocket science. If you are already insured or just want to reduce your rates, you can learn to reduce the price you pay without sacrificing coverage. Drivers only need to know the most efficient way to compare price quotes from many different companies online.
The method we recommend to get policy rate comparisons for Lexus RX 350 insurance in Long Beach is to know the fact car insurance companies will pay a fee to compare rate quotes. The only thing you need to do is provide a little information like distance driven, the make and model of your vehicles, how old drivers are, and your credit rating estimate. Your information is automatically sent to multiple different insurance companies and you get price estimates quickly.
To start a quote now, click here and enter your coverage details.
The companies shown below have been selected to offer free rate quotes in Long Beach, CA. If you wish to find cheap auto insurance in CA, it’s a good idea that you visit two to three different companies to get the best price comparison.
Rates and detailed analysis
The rate table shown next covers detailed analysis of insurance costs for Lexus RX 350 models. Understanding more about how car insurance prices are calculated can assist in making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 350 2WD | $464 | $912 | $510 | $30 | $152 | $2,068 | $172 |
| RX 350 4WD | $464 | $912 | $510 | $30 | $152 | $2,068 | $172 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in vehicle location which can modify coverage prices greatly.
The diagram below demonstrates how deductible levels and can increase or decrease Lexus RX 350 insurance prices for different age groups. The premiums assume a married female driver, full coverage, and no additional discounts are factored in.
Insurance does more than just repair your car
Despite the fact that insurance is not cheap in Long Beach, insuring your vehicle is a good idea for several reasons.
- Just about all states have mandatory insurance requirements which means the state requires a minimum amount of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Lexus RX 350 has a loan, almost every bank will require you to have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Lexus at a more expensive rate and require you to fork over the higher premium.
- Insurance preserves both your Lexus RX 350 and your assets. It will also provide coverage for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your insurance policy will pay to have it repaired.
The benefits of buying insurance more than cancel out the cost, especially if you ever need it. Despite what companies tell you, the average driver is overpaying over $820 a year so compare quotes from several companies at least once a year to be sure current rates are still competitive.
Buy Cheaper Auto Insurance with These Tips
A large part of saving on auto insurance is knowing some of the factors that come into play when calculating auto insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that can help you get much lower annual insurance costs.
Can a thief steal your car? – Owning a car that has an advanced theft prevention system can help lower your premiums. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.
Safer vehicles cost less to insure – Cars with high safety ratings are cheaper to insure. The safest vehicles reduce occupant injuries and better occupant protection means less money paid by your insurance company which can result in lower premiums.
Raising physical damage deductibles lowers prices – Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are a windshield broken by a bird, damage caused by hail, and having a roll-over accident. The more expense you have to pay, the less money you will pay for auto insurance.
Qualify for multi-policy discounts – Some auto insurance companies will award lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, consumers should still check prices from other companies to verify if the discount is saving money. Consumers may save money by buying auto insurance from a different company.
Never go without auto insurance – Not having insurance is against the law and companies may charge more for letting your insurance expire. And not only will insurance be more expensive, getting caught without coverage will get you a license revocation or jail time. You could then be forced to prove you have insurance by filing a SR-22 with the California motor vehicle department.
Performance affects costs – The performance level of the car you drive makes a huge difference in the rate you pay. The cheapest insurance rates are usually found on economy passenger cars, but your final cost has many other factors.
The data below is based on a married male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The data compares Lexus RX 350 insurance rates compared to other models of vehicles that have a range of performance risks.
Higher rates for high stress vocations – Did you know your job can affect your rates? Jobs such as lawyers, business owners, and miners tend to have the highest average rates because of intense work situations and long work days. Conversely, occupations such as professors, athletes and the unemployed have the lowest average rates.
Insurance losses for a Lexus RX 350 – Auto insurance companies use past loss statistics for each vehicle to help calculate premium rates. Vehicles that historically have a trend towards higher claims will cost more for coverage. The next table shows the loss history for Lexus RX 350 vehicles.
For each policy coverage type, the loss probability for all vehicles, as a total average, equals 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while values that are above 100 point to more claims or an increased probability of a larger loss.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Lexus RX 350 4dr 2WD | 111 | 96 | 91 | 72 | 97 | 88 |
| Lexus RX 350 4dr 4WD | 122 | 99 | 112 | 83 | 75 | 78 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
These discounts can lower Lexus RX 350 insurance rates
Car insurance is neither fun to buy or cheap, but there are discounts available that could help you make your next renewal payment. Some of these discounts will be visible at the time of quoting, but once in a while a discount must be specifically requested before you will receive the discount.
- Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can avoid the installment charge.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
- Air Bags and Passive Restraints – Options like air bags or automatic seat belts can qualify for discounts of more than 20%.
- New Vehicle Savings – Buying a new car instead of a used RX 350 may earn a small discount compared to insuring an older model.
- Defensive Driver – Passing a safe driver class could save 5% or more depending on where you live.
- Life Insurance – Select insurance companies reward you with a discounted premium rate on car insurance if you buy a life policy as well.
- Fewer Miles Equal More Savings – Keeping the miles down on your Lexus may allow you to get lower premium rates on the low mileage vehicles.
- Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for a discount up to 10%.
- College Student – College-age children who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
- First Accident Forgiveness – Not a discount per se, but some companies like State Farm and GEICO permit an accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
One last thing about discounts, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will help reduce your policy premium.
The information below shows the comparison of Lexus RX 350 auto insurance costs with and without discounts. The price estimates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, multi-policy, and claim-free discounts applied.
A few companies that may have these discounts may include but are not limited to:
Before you buy a policy, ask each company which credits you are entitled to. Some of the discounts discussed earlier might not be offered in every state.
Tailor your car insurance coverage to you
When quoting and comparing coverage online or from an agent for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.
For example, these questions can aid in determining whether or not you might need professional guidance.
- If I drive on a suspended license am I covered?
- Do I need to call my car insurance company before buying a new car?
- Am I covered if I hit my neighbor’s mailbox?
- Can my babysitter drive my car?
- Does my Lexus RX 350 need full coverage?
- How can I get high-risk coverage after a DUI?
- Is my teenager covered with friends in the car?
- What exactly is covered by my policy?
- Is my Lexus RX 350 covered for smoke damage?
- Is there a penalty for late payment?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.
Compare prices but buy from a local Long Beach insurance agency
Certain consumers would prefer to talk to an insurance agent and doing that can be a smart decision Most agents are highly skilled in risk management and give you someone to call. One of the best bonuses of comparing rate quotes online is that you can obtain cheap rate quotes but also keep your business local.
To help locate an agent, after submitting this short form, your insurance coverage information is instantly submitted to local insurance agents who want to provide quotes for your insurance coverage. You won’t need to find an agent on your own due to the fact that quote results will go to your email. If you wish to compare rates from a specific company, you just need to search and find their rate quote page and fill out their quote form.
Selecting a company requires more thought than just the bottom line cost. Before buying a policy in Long Beach, get answers to these questions.
- Does the agency have a current Errors and Omissions policy?
- Does the company have a solid financial rating?
- How would your car be valued if totaled?
- Are they able to provide referrals?
- Who is covered by the car insurance policy?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How long have they worked with personal auto insurance coverage?
- If you have an accident, will your rates go up?
Compare auto insurance prices regularly to save
Budget-friendly auto insurance in Long Beach is available on the web in addition to local insurance agencies, so you need to quote Long Beach auto insurance with both to have the best rate selection. A few companies may not provide rates over the internet and these regional carriers prefer to sell through independent insurance agencies.
As you restructure your insurance plan, never buy poor coverage just to save money. There are too many instances where an insured dropped liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.
Throughout this article, we presented some good ideas how to reduce Lexus RX 350 insurance prices online in Long Beach. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheaper Long Beach auto insurance quotes. Consumers may even find the best price on auto insurance is with a small mutual company.
Additional resources
- Understanding your Policy (NAIC.org)
- Who Has the Cheapest Auto Insurance Quotes for a Dodge Ram in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance for Veterans in Long Beach? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Honda Civic in Long Beach? (FAQ)
- How Much is Auto Insurance with Multiple Speeding Tickets in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance for a Jeep Wrangler in Long Beach? (FAQ)
- What Insurance is Cheapest for Drivers with Accidents in Long Beach? (FAQ)
- Who Has Cheap Long Beach Car Insurance Rates for Seniors? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Choosing an Insurance Company (Insurance Information Institute)