Want to know how to find more affordable Lexus RX 350 insurance in Atlanta? Comparing and finding more affordable coverage rates for Lexus RX 350 insurance in Atlanta can be difficult for drivers who are new to comparison shopping online. With such a large number of agents and online companies, it can easily be hard work to lower your prices on Lexus RX 350 insurance.
Astonishing but true, 70% of consumers kept their coverage with the same car insurance company for four years or more, and just short of a majority have never quoted car insurance rates at all. The average driver in Georgia could cut their rates by almost 60% a year by just comparing rate quotes, but they assume it’s a waste of time to compare rate quotes.
If you already have coverage, you will be able to save money using the concepts covered in this article. Our goal is to familiarize you with the most effective ways to compare rates and some tips to save money. But Georgia car owners must learn how insurance companies market insurance on the web and use this information to your advantage.
Cheapest Lexus RX 350 insurance rate quotes in Atlanta
Keep in mind that making a lot of price comparisons helps you find a lower rate than you’re paying now. Not every company allows you to get price estimates online, so you also need to get rates on coverage from those companies, too.
The car insurance companies shown below are our best choices to provide free rate quotes in Georgia. If multiple providers are shown, we recommend you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 350 2WD | $424 | $854 | $600 | $36 | $180 | $2,094 | $175 |
| RX 350 4WD | $382 | $694 | $444 | $26 | $134 | $1,680 | $140 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in garaging location in Atlanta which can change insurance rates substantially.
Full coverage or liability only
The chart below illustrates the difference between Lexus RX 350 insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Georgia. The costs are based on a clean driving record, no claims, $500 deductibles, single male driver, and no policy discounts are applied.
When to drop full coverage
There is no definitive guideline of when to stop paying for comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s assume your Lexus RX 350 settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If you are paying over $200 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some situations where removing full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Auto insurance protects more than just your car
Despite the fact that auto insurance is not cheap in Atlanta, buying auto insurance serves several important purposes.
First, just about all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to get the vehicle licensed. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Lexus RX 350 has a loan, it’s guaranteed your bank will make it mandatory that you have insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Lexus at a much higher rate and make you pay the higher premium.
Third, insurance protects your vehicle and your assets. It also can pay for medical bills for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of buying auto insurance more than cancel out the cost, particularly for liability claims. As of last year, the average driver in Georgia is currently overpaying as much as $800 each year so you should quote rates each time the policy renews to ensure rates are competitive.
Save $469 a year. For real?
State Farm and Allstate consistently run ads on TV and radio. All the ads try to convey promises that drivers can save some big amount if you switch your insurance coverage to their company. How does every insurance company charge you a lower premium? It’s all in the numbers.
Most companies have underwriting criteria for the driver that earns them the most money. A good example of a preferred risk should be over age 30, has a clear driving record, and the vehicle is rated for pleasure use. A customer who meets those qualifications will qualify for the lowest car insurance rates in Atlanta as well as save if they switch.
Potential customers who do not match the “perfect” profile may be forced to pay a higher premium which translates to the customer buying from someone else. If you pay attention, the ads say “people that switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can make those statements. That is why drivers must get a wide range of price quotes. It’s just too difficult to predict the company that will have the lowest prices for your situation.
These discounts can lower your car insurance rates
The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that could drop your premiums quite a bit. Some of these discounts will be visible at the time you complete a quote, but lesser-known reductions have to be inquired about in order for you to get them. If you’re not getting every credit you qualify for, you are just wasting money.
- Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% as compared to drivers with claims.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
- Government Employee Discount – Employees or retirees of the government could provide a small rate reduction but check with your company.
- Low Mileage Discounts – Driving less could earn lower premium rates on the low mileage vehicles.
- Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you aren’t that lucky.
A list of companies and a selection of discounts are included below.
- American Family may include discounts for early bird, air bags, Steer into Savings, multi-vehicle, and accident-free.
- Nationwide may offer discounts for multi-policy, family plan, good student, defensive driving, business or organization, anti-theft, and easy pay.
- MetLife offers premium reductions for good driver, claim-free, good student, multi-policy, defensive driver, and accident-free.
- 21st Century offers discounts for good student, student driver, 55 and older, driver training, and early bird.
- Farmers Insurance has discounts for homeowner, teen driver, distant student, electronic funds transfer, mature driver, youthful driver, and pay in full.
- Allstate offers discounts including anti-lock brakes, good payer, auto/life discount, multi-policy, and eSmart discount.
Before you buy a policy, ask all the companies to give you their best rates. Some discounts listed above may not be available in your state. To see insurers who offer cheap Lexus RX 350 insurance quotes in Georgia, click here.
When to get advice from an insurance agent
A small number of people would rather have an agent’s advice and that is recommended in a lot of cases A good thing about getting online price quotes is that you can obtain lower car insurance rates and also buy local.
To find an agent, once you fill out this simple form, your insurance coverage information is immediately sent to agents in your area who can give free rate quotes to get your business. You never need to do any legwork because quoted prices will be sent to the email address you provide. You’ll get the best rates and a licensed agent to work with. If for some reason you want to compare rates from a specific insurance provider, you would need to find their quoting web page and complete a quote there.
Picking an company should depend on more than just the price. Some important questions to ask are:
- Does their agency support local causes in Atlanta?
- Does the agent recommend any additional coverage?
- Is there any savings for paying the full premium?
- Can they give you a list of client referrals?
- By raising physical damage deductibles, how much would you save?
- Do they offer claims assistance after hours?
How to choose the best car insurance agent in Atlanta
When researching a local Atlanta insurance agent, there are two different types of agents and how they can write your policy. Insurance policy providers can either be exclusive agents or independent agents.
Exclusive Insurance Agencies
These type of agents can only quote rates from one company and examples are Allstate and State Farm. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. These agents are usually well trained on the products they sell and that allows them to sell at a higher price point. Consumers frequently use the same exclusive agent partially due to the brand name and the convenience of having all coverages with one company.
Below is a short list of exclusive insurance agents in Atlanta that are able to give rate quotes.
- Allstate Insurance: Drew Niess
3133 Maple Dr NE Ste 100 – Atlanta, GA 30305 – (404) 477-5500 – View Map - Eddie Sanders – State Farm Insurance Agent
47 Perimeter Center E #130 – Atlanta, GA 30346 – (770) 394-5068 – View Map - Trevor Nollner – State Farm Insurance Agent
881 Ponce De Leon Ave NE #17 – Atlanta, GA 30306 – (678) 515-8297 – View Map
Independent Agents
Agents of this type often have many company appointments so they can insure your vehicles with an assortment of companies enabling the ability to shop coverage around. If they find a lower price, the business is moved internally and you can keep the same agent. When comparing rates, we recommend you include multiple independent agents to get the most accurate price comparison. Most can insure with companies that do not advertise much which may have better rates.
Listed below are Atlanta independent agencies willing to provide comparison quotes.
- Nationwide Insurance: Tommy Jones Agency
3201 Atlanta Industrial Pkwy NW b220 – Atlanta, GA 30331 – (404) 660-3821 – View Map - Siegel Insurance
2987 Clairmont Rd #425 – Atlanta, GA 30329 – (404) 633-6332 – View Map - Yates Insurance Agency
2800 Century Pkwy NE #300 – Atlanta, GA 30345 – (404) 633-4321 – View Map
Do I just need basic coverages?
When it comes to buying insurance from an agent or online for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.
For instance, these questions may help you determine whether your personal situation would benefit from professional advice.
- Do I need higher collision deductibles?
- How does medical payments coverage work?
- Do I need special endorsements for business use of my vehicle?
- How can I get high-risk coverage after a DUI?
- Is my ex-spouse still covered by my policy?
- Am I covered when driving a rental car?
- What is roadside assistance coverage?
- When should I remove comp and collision on my Lexus RX 350?
- Which companies will insure high-risk drivers?
- What are the financial responsibility laws in my state?
If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Cheaper auto insurance is a realistic goal
Low-cost Lexus RX 350 insurance in Atlanta can be sourced from both online companies and from local agencies, so you need to quote Atlanta car insurance with both to have the best selection. Some insurance providers may not provide online quoting and many times these smaller providers only sell through local independent agents.
While you’re price shopping online, you should never sacrifice coverage to reduce premiums. Too many times, someone sacrificed physical damage coverage only to discover later that they should have had better coverage. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.
In this article, we covered some good ideas how you can reduce Lexus RX 350 insurance car insurance rates online in Atlanta. The most important thing to understand is the more you quote Atlanta car insurance, the better your comparison will be. You may even find the lowest priced auto insurance comes from a small local company.
Additional auto insurance information is located on the following sites:
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has Affordable Atlanta Auto Insurance Quotes for a Honda Accord? (FAQ)
- How Much are Atlanta Car Insurance Rates for Postal Workers? (FAQ)
- Who Has Cheap Atlanta Car Insurance Rates for a School Permit? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Teachers in Atlanta? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)