A recent survey discovered that the vast majority of insurance customers have purchased from the same company for four years or more, and approximately 38% of consumers have never quoted rates to find lower-cost coverage. California consumers could save up to 35% a year, but they just assume it’s a time-consuming process to shop around.
It takes a few minutes, but the best way to find cheaper quotes for auto insurance rates is to make a habit of comparing prices annually from providers in Irvine.
- Spend a few minutes and learn about how insurance companies determine prices and the changes you can make to prevent expensive coverage. Many rating factors that result in higher rates like traffic citations and a low credit rating can be amended by making minor changes in your lifestyle. This article gives more information to help prevent costly coverage and find additional discounts.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while agents who are independent can give you price quotes for many different companies.
- Compare the price quotes to your existing policy to determine if you can save on RX 450h insurance in Irvine. If you find a lower rate quote and decide to switch, make sure there is no coverage gap between policies.
The most important part of shopping around is to make sure you’re comparing similar limits and deductibles on each price quote and and to look at as many companies as feasibly possible. This provides a fair rate comparison and the best price selection.
If you have insurance now or just want cheaper coverage, you can learn to get lower rates while maintaining coverages. Finding and comparing more affordable insurance in Irvine is not that difficult. Drivers just have to learn the quickest way to find the lowest price instantly.
Best companies for low-cost Lexus RX 450h insurance in California
The companies shown below are our best choices to provide price quotes in Irvine, CA. If your goal is to find cheaper car insurance in CA, it’s highly recommended you visit two to three different companies in order to find the most affordable rates.
Insurance analysis for a Lexus RX 450h
The information below covers estimates of insurance coverage prices for Lexus RX 450h models. Being more informed about how insurance policy premiums are figured can help drivers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 450H Hybrid 2WD 4-Dr | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
| RX 450H Hybrid 4WD 4-Dr | $370 | $804 | $564 | $34 | $168 | $1,940 | $162 |
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in Irvine location which can decrease or increase coverage rates significantly.
Higher deductibles save money
When comparing insurance rates, the most common question is how low should you set your deductibles. The rates below may help you to understand the differences in premium rates when you choose different insurance deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 450H Hybrid 2WD 4-Dr | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
| RX 450H Hybrid 4WD 4-Dr | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 450H Hybrid 2WD 4-Dr | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| RX 450H Hybrid 4WD 4-Dr | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in Irvine location which can increase or decrease coverage rates substantially.
Based on the data above, we can derive that using a $250 deductible costs roughly $40 more each month or $480 every year averaged for all RX 450h models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 19 months between claim filings, you would probably be better off if you elect the higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $160 |
| Average monthly premium for $1,000 deductibles (subtract): | – $120 |
| Monthly savings from raising deductible: | $40 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $40 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
An important sidenote is that raising deductibles means you will have to pay more of your own money at claim time. That will force you to have a higher level of savings in the event you have to pay the deductible to have repairs made.
Careless drivers pay higher rates
The information below illustrates how violations and fender-benders raise Lexus RX 450h premium costs for different age groups of insureds. The premiums assume a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Annual premiums for males compared to females in Irvine
The illustration below shows the difference between Lexus RX 450h premium costs for male and female drivers. Data assumes no claims or driving violations, comp and collision included, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Earn discounts to get lower-cost Irvine auto insurance quotes
Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but a few need to be asked for before they will apply.
- Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from Irvine and won’t have access to an insured vehicle may be insured at a cheaper rate.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
- Air Bags and Passive Restraints – Options like air bags or automatic seat belts can get savings of 20% or more.
- Driver’s Ed – Require your teen driver to enroll and complete driver’s education if offered at their school.
- Discount for Life Insurance – Not all auto insurance companies offer life insurance, but some may give you a small discount if you purchase a life policy as well.
- Multiple Policy Discount – If you can combine your auto and homeowners policy with the same company you will save 10% to 20% off each policy.
- Government Employees – Simply working for the federal government may qualify for a discount when you quote Irvine car insurance depending on your auto insurance provider.
Policy discounts save money, but most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. Any amount of discount will cut the amount you have to pay.
The illustration below illustrates the difference between Lexus RX 450h auto insurance rates with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims or driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, marriage, multi-policy, and multi-car discounts applied.
To locate auto insurance companies that can offer you the previously mentioned discounts in California, click here to view.
Compare prices but work with a local neighborhood Irvine car insurance agent
A lot of people just want to get professional advice from a licensed agent and there is nothing wrong with that. Insurance agents can answer important questions and give you someone to call. The biggest benefit of getting online price quotes is that you can find cheap rate quotes and still buy from a local agent.
After completing this form (opens in new window), the quote information is transmitted to companies in Irvine who will return price quotes for your business. You won’t even need to do any legwork because quoted prices will be sent instantly to you. If you have a need to get a price quote from a specific company, just search and find their rate quote page and submit a quote form there.
Choosing the best provider requires you to look at more than just a cheap price. These are some questions your agent should answer.
- Do they specialize in personal lines auto insurance in Irvine?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they reduce claim amounts on high mileage vehicles?
- Will the agent or a CSR service your policy?
- Will they take your side in the event of a claim?
After getting positive responses to any questions you may have as well as a price you’re happy with, you have narrowed it down to an insurance company that can service your policy. But keep in mind you are entitled to terminate your policy whenever you want so don’t assume that you are permanently stuck with a policy for the full policy term.
Car insurance companies ranked
Picking the top auto insurance provider is difficult considering how many choices there are in Irvine. The ranking information displayed below may help you decide which auto insurance companies you want to consider comparing rates from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Specific coverage details
Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.
Comprehensive (Other than Collision)
This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as fire damage, rock chips in glass, theft and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision coverage
Collision coverage covers damage to your RX 450h from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible on your RX 450h to bring the cost down.
Auto liability insurance
This coverage can cover injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 15/30/5 which means $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $5,000.
Liability insurance covers things like attorney fees, emergency aid and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy better liability coverage.
The chart below demonstrates why buying minimum limits may not be enough coverage.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (15/30/5 in California), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like nursing services, hospital visits, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
More quotes mean more insurance savings
As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice physical damage coverage only to find out they didn’t purchase enough coverage. The goal is to buy enough coverage at a price you can afford while still protecting your assets.
Consumers leave their current company for a number of reasons such as poor customer service, extreme rates for teen drivers, policy cancellation or even denial of a claim. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.
Some insurance companies do not provide online quoting and these regional carriers provide coverage only through local independent agents. Cost effective Lexus RX 450h insurance is definitely available from both online companies as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from.
Additional information is located on the following sites:
- Prom Night Tips for Teen Drivers (State Farm)
- How Much are Car Insurance Rates for Drivers Over Age 60 in Irvine? (FAQ)
- How Much are Car Insurance Quotes for Homeowners in Irvine? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Females in Irvine? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Collision Insurance Coverage (Nationwide)
- Should I Buy a New or Used Car? (Allstate)