Paying low cost prices for Lexus RX 350 insurance in Virginia Beach is slightly frustrating for drivers not familiar with online rate comparisons. With so many options of companies in the marketplace, it can quickly become a difficult mission to find the best prices.
It’s amazing but the vast majority of Virginia car insurance customers kept buying from the same company for at least the last four years, and nearly the majority have never even compared quotes to find cheaper rates. Most drivers in the United States could save themselves about 46.5% a year just by comparing rates, but they think it’s difficult to find cheaper car insurance rates.
If you are insured now, you should be able to reduce premiums using these tips. Our objective is to introduce you to how car insurance companies work and also pocket some savings But Virginia vehicle owners benefit from understanding the way insurance companies market on the web because rates are impacted by many factors.
When price shopping your coverage, having more price comparisons helps locate more affordable insurance.
The car insurance companies shown below are our best choices to provide comparison quotes in Virginia. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.
Statistics and details
The rate table displayed next highlights different prices for Lexus RX 350 models. Being aware of how auto insurance policy rates are formulated can benefit drivers when making decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RX 350 2WD||$192||$378||$274||$16||$82||$942||$79|
|RX 350 4WD||$192||$378||$274||$16||$82||$942||$79|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in vehicle location which can modify insurance rates significantly.
The illustration below shows how different deductible levels and can increase or decrease Lexus RX 350 annual premium costs for different categories of driver ages. The premiums assume a married male driver, full physical damage coverage, and no discounts are applied.
Gender-based auto insurance rates in Virginia Beach
The diagram below shows the comparison of Lexus RX 350 auto insurance rates for male and female drivers. Data assumes no violations or accidents, full coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Lexus RX 350 full coverage rates compared to liability only
The chart below compares Lexus RX 350 car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Virginia. The information is based on no claims or driving citations, $500 deductibles, single marital status, and no discounts are factored in.
Should you buy full coverage or liability only?
There isn’t a written rule that is best for determining when to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Lexus RX 350 settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying your deductible. If it’s costing in excess of $500 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few cases where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.
Your insurance coverage should be tailored to you
When selecting proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.
These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.
- Who is covered when they drive my Lexus RX 350?
- When should I not buy collision coverage?
- How do I insure my teen driver?
- Should I rate my Lexus RX 350 as pleasure use or commute?
- At what point should I drop full coverage?
- Do I need added coverage for expensive stereo equipment?
- What if I owe more than I can insure my car for?
- When should I not file a claim?
- What is motorclub and do I need it?
- Do I need roadside assistance coverage?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.
Buying from insurance agents
Some people would prefer to buy from a local agent and that is a personal choice. One of the great benefits of price shopping on the web is the fact that drivers can get cheaper rates but also keep your business local. And buying from local insurance agencies is still important in Virginia Beach.
By using this form (opens in new window), the quote information is instantly submitted to participating agents in Virginia Beach that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any agents due to the fact that quote results will go directly to your email. You can find the lowest rates without requiring a lot of work. If for some reason you want to quote rates for a specific company, you would need to jump over to their website and fill out their quote form.
The following is a short list of auto insurance companies in Virginia Beach willing to provide price quotes for Lexus RX 350 insurance in Virginia Beach.
- Nationwide Insurance: Matthew Clifton Roenker Agency
4870 Haygood Rd Ste 108 – Virginia Beach, VA 23455 – (757) 671-1111 – View Map
- Nationwide Insurance: Guzman Insurance Agency Inc
1920 Centerville Turnpike Ste 97 – Virginia Beach, VA 23464 – (757) 479-0551 – View Map
- Stephanie Langkil – State Farm Insurance Agent
5441 Virginia Beach Blvd #115 – Virginia Beach, VA 23462 – (757) 499-3411 – View Map
- Nationwide Insurance: Mayo Insurance Agency Inc
1917 Laskin Rd Ste 101 – Virginia Beach, VA 23454 – (757) 496-5685 – View Map
Finding the right insurer is decision based upon more than just the premium amount. Below are some questions you should ask.
- Does the company allow you to choose your own collision repair facility?
- How long has their agency been open in Virginia Beach?
- Is there any savings for paying the full premium?
- What kind of financial rating does the company have?
- Who is covered by the car insurance policy?
- What is their Better Business Bureau rating?
- Can you get a list of referrals?
If you get answers to your satisfaction for all questions you ask and a good coverage price, it’s possible that you found an provider that is professional and can adequately provide insurance.