Save Money on Lexus RX 350 Insurance in Santa Ana

  1. Home
  2. >
  3. Santa Ana Auto Insurance
  4. >
  5. Lexus RX 350

Insurance rates Lexus RX 350 in Santa AnaHas it been a year or more since you last compared quotes for more affordable Lexus RX 350 insurance in Santa Ana? Feel like you have an overpriced auto insurance policy? Say no more because many Santa Ana drivers have buyer's remorse.

Amazingly, a recent study showed that a large majority of drivers kept their coverage with the same auto insurance company for at least four years, and virtually 40% of consumers have never compared rates from other carriers. Most drivers in the United States can save hundreds of dollars each year by just comparing quotes, but they just assume it takes a lot of time to compare rates.

Steps to finding affordable Lexus RX 350 insurance in Santa Ana

The best way to get more affordable Lexus RX 350 insurance is to begin comparing prices regularly from insurers that sell auto insurance in Santa Ana.

Step 1: Spend some time learning about the coverage provided by your policy and the things you can change to keep rates in check. Many rating factors that result in higher rates such as at-fault accidents, speeding tickets, and a negative credit history can be remedied by paying attention to minor details. This article provides more ideas to help prevent high rates and find discounts that you may qualify for.

Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while independent agents can provide price quotes for a wide range of insurance providers. Click to view companies

Step 3: Compare the quotes to your current policy to see if cheaper RX 350 coverage is available. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.

Step 4: Provide proper notification to your current company of your intention to cancel your current coverage and submit a down payment and signed policy application to your new agent or company. Immediately upon receiving it, put the new certificate of insurance with your registration paperwork.

A good tip to remember is to try to compare identical deductibles and limits on every price quote and and to get price quotes from as many different insurance providers as possible. This enables an apples-to-apples comparison and a complete price analysis.

Companies like Allstate, Progressive and GEICO persitently shower you with ad campaigns and consumers find it hard to ignore the propaganda and take the time to shop coverage around.

It's a great practice to compare rates yearly because insurance prices go up and down regularly. Even if you think you had the best quotes on Lexus RX 350 insurance in Santa Ana a year ago you may be paying too much now. There is lot of inaccurate information about RX 350 insurance online, but in this article, you're going to get a lot of great tips on how to reduce your auto insurance bill.

Lexus RX 350 insurance quotes comparison

Just keep in mind that comparing all the rates in your area will enable you to find a lower rate than you're paying now.

The companies in the list below can provide price quotes in Santa Ana, CA. If several companies are displayed, we suggest you visit two to three different companies to get a more complete price comparison.

Rate information and statistics

The data table below highlights different policy rates for Lexus RX 350 models. Learning a little about how car insurance prices are formulated can be valuable when making smart choices when purchasing an auto insurance policy.

Lexus RX 350 Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 350 2WD $372 $792 $480 $28 $144 $1,816 $151
RX 350 4WD $372 $792 $480 $28 $144 $1,816 $151
Get Your Own Custom Quote Go

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in vehicle garaging location which can change coverage rates noticeably.

Higher deductibles lower rates

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The comparisons below can help show the rate difference when you select higher and lower deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Lexus RX 350 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 350 2WD $478 $932 $500 $30 $150 $2,115 $176
RX 350 4WD $478 $932 $500 $30 $150 $2,115 $176
Get Your Own Custom Quote Go
Lexus RX 350 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 350 2WD $266 $490 $500 $30 $150 $1,436 $120
RX 350 4WD $266 $490 $500 $30 $150 $1,436 $120
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in Santa Ana location which can affect price quotes greatly.

Based on the figures above, using a $100 deductible would cost the average driver about $56 more each month or $672 every year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 16 months between claims, you would probably save some money if you choose a higher deductible.

Comparison of full coverage and liability-only policies

The information below shows the comparison of Lexus RX 350 insurance prices with full coverage and liability only. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There is no set guideline of when to stop paying for physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's pretend your Lexus RX 350 claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the deductible is paid. If you are paying over $400 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some cases where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.

Protect your RX 350 and other assets

Even though it can be expensive, insuring your vehicle is not optional due to several reasons.

  • Almost all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability in order to be legal. 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 you have a lien on your vehicle, almost all lenders will have a requirement that you have full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Lexus at a much higher rate and require you to fork over a much higher amount than you were paying before.
  • Car insurance protects both your vehicle and your personal assets. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you cause an accident and are sued. If your Lexus gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car more than offset the price you pay, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $820 a year so it's very important to do a rate comparison at least once a year to save money.

How You Can Control Lexus RX 350 Insurance Premiums

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that come into play when calculating the level of your policy premiums. If you understand what determines premiums, this empowers consumers to make smart changes that can help you get much lower annual insurance costs. Many different elements are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but others are more transparent like where you live or your commute time.

Claim-free discounts can add up - Insurance companies in California give cheaper rates to people who are claim-free. If you are a frequent claim filer, you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended for claims that pose a financial burden.

Your gender affects rates - Over the last 50 years, statistics have shown that females tend to be a little less risky than males. Now that doesn't mean women are better drivers. Males and females tend to get into auto accidents at about the same rate, but the males have costlier accidents. Men also tend to get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.

The information below illustrates the comparison of Lexus RX 350 auto insurance costs for male and female drivers. The premiums are based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are applied.

Type of car, truck or SUV determines base prices - The performance of the car, truck or SUV you need insurance for makes a big difference in your auto insurance rates. Low performance passenger cars normally have pretty low rates, but many other things help determine your insurance rates.

The data below uses these variables: married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Lexus RX 350 car insurance rates compared to other models that have a range of performances.

Your spouse saves you money - Walking down the aisle may cut your premiums when shopping for insurance. Marriage demonstrates that you tend to be more responsible and statistics show married drivers tend to file fewer claims.

Driving citations will cost you - Just one ticket can increase the cost of insurance twenty percent or more. Good drivers get better prices as compared to careless drivers. Drivers with severe citations such as reckless driving or DUI may find that they have to to prove financial responsibility with their state DMV in order to legally drive a vehicle.

The information below highlights how traffic violations and accident claims can increase Lexus RX 350 insurance rates for each age group. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Liability coverage claims can be big - Liability coverage will protect you in the event that a court rules you are at fault for physical damage or personal injury to other. This coverage provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

Lexus RX 350 historical loss data - Insurance companies study historical loss data to help determine the rate you pay. Vehicles that statistically have higher loss trends will be charged more to insure. The data below shows the insurance loss data for Lexus RX 350 vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, regardless of make or model, is set at 100. Numbers shown that are under 100 suggest a better than average loss history, while values that are above 100 indicate a higher chance of having a claim or statistically larger claims.

Lexus RX 350 Insurance Loss Statistics
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 from for 2013-2015 Model Years

Do you qualify for discounts on Lexus RX 350 insurance in Santa Ana?

Some insurance providers don't always list their entire list of discounts in a way that's easy to find, so the below list has a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy Santa Ana auto insurance online. If you do not double check each discount available, you are paying more than you should be.Discount car insurance

  • Active Service Discounts - Having a deployed family member could trigger a small discount.
  • Life Insurance Discount - Companies who offer life insurance give a discounted car insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Anti-theft System - Vehicles that have factory anti-theft systems help deter theft and will save you 10% or more on RX 350 insurance in Santa Ana.
  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Early Signing - Some companies provide a discount for buying a new policy early. This discount can save up to 10%.
  • Santa Ana Homeowners Pay Less - Just being a homeowner can save a few bucks because maintaining a house is proof that your finances are in order.

As a sidenote, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, you aren't that lucky.

The example below visualizes the comparison of Lexus RX 350 auto insurance costs with and without discounts applied to the policy rates. Data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, safe-driver, and marriage discounts applied.

To find car insurance companies offering car insurance discounts in California, click this link.

Special considerations

When choosing coverage, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect thatHigher deductibles save money Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • Is upholstery damage covered by car insurance?
  • How does medical payments coverage work?
  • Should I buy more coverage than the required California minimum liability coverage?
  • Is there coverage for injuries to my pets?
  • Is a blown tire covered by insurance?
  • Where can I get insurance after a DUI in California?

If you can't answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

When should I have guidance from a local insurance agent?

A lot of people still prefer to talk to a local agent and that can be a smart move An additional benefit of comparing car insurance online is that you can obtain the lowest rates but also keep your business local.

Insurance agency in Santa AnaOnce you complete this form (opens in new window), your insurance coverage information gets sent to participating agents in Santa Ana that can give you free Santa Ana auto insurance quotes for your business. You don't have to find an agent due to the fact that quote results will go to you. You'll get the best rates AND an agent nearby. If you wish to get a price quote from a particular provider, you would need to navigate to their website and complete a quote there.

Choosing the best insurance company should include more criteria than just the price. These are some questions you should get answers to.

  • If you are a high risk driver, do they have special markets for your coverage?
  • Do they prorate repair cost based on vehicle mileage?
  • Do they have cheaper tiers of coverage?
  • Is insurance their full-time profession?
  • How often do they review coverages?

If you are wanting to purchase car insurance from a reliable insurance agent, it's helpful to know the types of insurance agents that you can select. Agents in Santa Ana can either be exclusive or independent (non-exclusive).

Exclusive Agencies

Agents that elect to be exclusive can usually just insure with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide prices from multiple companies so it's a take it or leave it situation. Exclusive agencies receive a lot of sales training on their products and sales techniques which aids in selling service over price.

Below are Santa Ana exclusive agencies willing to provide comparison quotes.

2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033 - View Map

2017 N Main St - Santa Ana, CA 92706 - (714) 515-8062 - View Map

3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996 - View Map

View more Santa Ana agents

Independent Insurance Agents

Agents in the independent channel can sell policies from many different companies and that gives them the ability to insure with an assortment of companies and help determine which has the cheapest rates. If premiums increase, the agent simply finds a different carrier which requires no work on your part. When comparing rate quotes, we highly recommend that you include price quotes from independent agents for the best price selection.

Shown below is a short list of independent agencies in Santa Ana that can give you price quotes.

631 N Main St - Santa Ana, CA 92701 - (714) 835-0840 - View Map

Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770 - View Map

201 Sandpointe Ave Suite 600 - Santa Ana, CA 92707 - (866) 845-9815 - View Map

View more Santa Ana agents

One last thing about your coverage

We just covered some good ideas how to get a better price on Lexus RX 350 insurance in Santa Ana. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. Consumers may even find the lowest priced car insurance comes from a smaller regional carrier. They may have significantly lower premium rates on certain market segments than the large multi-state companies such as Allstate and Progressive.

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. Too many times, someone sacrificed uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at the best cost.

How to find more affordable Lexus RX 350 insurance in Santa Ana

If you want to save money, the best way to get affordable car insurance rates in Santa Ana is to start doing an annual price comparison from insurers who sell auto insurance in California.

  • Step 1: Gain an understanding of how insurance companies determine prices and the things you can control to drop your rates. Many factors that increase rates like traffic violations, accidents, and an unacceptable credit rating can be improved by making minor changes in your lifestyle.
  • Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple insurance companies.
  • Step 3: Compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

A crucial key to this process is that you'll want to compare identical coverages on every price quote and and to compare as many car insurance companies as possible. Doing this ensures an apples-to-apples comparison and the best price selection.

To learn more, link through to the articles below: