Want to learn how to find lower-priced Lexus RX 450h insurance in Cincinnati? Finding the cheapest insurance for a new or used Lexus RX 450h in Ohio can turn out to be a painful process, but you can use a few tricks and make it easy.
There is a better way to find insurance online and we’ll show you the best way to price shop coverage for a new or used Lexus and locate the lowest possible price from Cincinnati insurance agents and online providers.
It’s a great practice to compare premium rates occasionally because insurance prices change regularly. Even if you got the best deal on Lexus RX 450h insurance in Cincinnati on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because you’re about to find out the things you must know in order to find better coverage on Lexus RX 450h insurance in Cincinnati at a better price.
Lower Your Cincinnati Insurance Premiums
Many different elements are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but some are less obvious such as whether you are married or your vehicle rating. The best way to find cheaper auto insurance is to take a look at some of the factors that go into determining your auto insurance rates. When consumers understand what influences your rates, this empowers consumers to make smart changes that can help you get much lower annual insurance costs.
Do safer cars cost less to insure? – Cars with five star safety ratings can get you lower premiums. These vehicles reduce the chance of injuries and reduced instances of injuries translates directly to fewer claims and cheaper rates on your policy. If your Lexus RX 450h has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Drivers with good credit save – A driver’s credit rating can be a huge factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit. If your credit rating is low, you could save money insuring your Lexus RX 450h if you clean up your credit.
Incidental coverages push up costs – Policies have extra coverages that you can buy on your auto insurance policy. Insurance for things like vanishing deductibles, towing coverage, and membership fees may be costing you every month. These coverages may sound good initially, but if you have no use for them think about removing them and cutting costs.
Experienced drivers pay less – Older people tend to be more responsible, tend to file fewer claims, and are generally more financially stable. Inexperience drivers tend to be careless and easily distracted with other occupants in the car therefore auto insurance rates are much higher.
The data below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Theft deterrents lower auto insurance rates – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
Do you really need to file those auto insurance claims? – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Companies in Ohio provide better rates to drivers who file claims infrequently. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
Big city or small town – Residing in a rural area has definite advantages when it comes to auto insurance. Drivers who live in large cities regularly have more road rage incidents and more time behind the wheel. Less people living in that area corresponds to lower accident rates in addition to lower liability claims.
Men tend to take more risk – Statistics demonstrate females are less aggressive when driving. Now that doesn’t mean males are worse at driving than females. Both genders cause at-fault accidents at a similar rate, but guys have accidents that have higher claims. In addition to higher claims, males also get higher numbers of serious violations such as reckless driving.
The chart below compares Lexus RX 450h yearly insurance costs for male and female drivers. The data assumes no violations or accidents, comp and collision included, $250 deductibles, marital status is single, and no additional discounts are factored in.
Lexus RX 450h statistical loss data – Companies use past insurance losses to help calculate a profitable premium price. Vehicles that tend to have higher loss trends will have a higher premium rate. The table below demonstrates the compiled insurance loss statistics for Lexus RX 450h vehicles.
For each coverage category, the loss probability for all vehicles compiled together is equal to 100. Numbers that are below 100 indicate better than average losses, while numbers that are greater than 100 show a trend for more claims or a tendency for claims to be larger.
| Specific Lexus Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Lexus RX 450h Hybrid 4dr 2WD | 125 | 119 | 110 | 60 | ||
| Lexus RX 450h Hybrid 4dr 4WD | 144 | 112 | 136 | 79 | 57 | 84 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Finding a lower price on Lexus RX 450h insurance is not a difficult process. The only requirement is to spend a few minutes on the computer comparing free Cincinnati auto insurance quotes from online providers.
The companies shown below offer free quotes in Ohio. If your goal is to find cheap car insurance in Ohio, we recommend you get rate quotes from several of them to get a more complete price comparison.
Lexus RX 450h insurance charts and tables
The rate table below highlights a range of coverage costs for Lexus RX 450h models. Having a good grasp of how rate quotes are formulated can help drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 450H Hybrid 2WD 4-Dr | $180 | $324 | $256 | $16 | $76 | $852 | $71 |
| RX 450H Hybrid 4WD 4-Dr | $180 | $324 | $256 | $16 | $76 | $852 | $71 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in specific zip code location which can alter insurance rates considerably.
Where to set your deductibles
The hardest decision when buying coverage is the level to set your comp and collision deductibles. The comparison tables below may help you to understand the differences in price between high and low comp and collision deductibles. The first rate comparisons uses a $250 deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 450H Hybrid 2WD 4-Dr | $220 | $400 | $256 | $16 | $76 | $993 | $83 |
| RX 450H Hybrid 4WD 4-Dr | $220 | $400 | $256 | $16 | $76 | $993 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 450H Hybrid 2WD 4-Dr | $136 | $252 | $256 | $16 | $76 | $736 | $61 |
| RX 450H Hybrid 4WD 4-Dr | $136 | $252 | $256 | $16 | $76 | $736 | $61 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Prices do not factor in specific location which can decrease or increase premiums greatly.
We can derive from the above data that using a $250 deductible will cost you approximately $22 more each month or $264 each year averaged for all RX 450h models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 34 months between claim filings, you would save money if you choose a higher deductible.
The diagram below highlights how deductible selection and can impact Lexus RX 450h insurance prices for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Accidents and violations increase rates
The information below illustrates how traffic citations and at-fault fender-benders can influence Lexus RX 450h car insurance costs for different age groups of insureds. The premiums assume a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
Best reasons to buy car insurance in Ohio
Even though it’s not necessarily cheap to insure a Lexus in Cincinnati, insurance is not optional due to several reasons.
- Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to drive the car. In Ohio 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.
- If you bought your vehicle with a loan, more than likely the lender will make it mandatory that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may insure your Lexus at a significantly higher premium and force you to pay much more than you were paying before.
- Insurance safeguards not only your Lexus RX 450h but also your financial assets. It will also pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will pay to repair the damage.
The benefits of insuring your car are definitely more than the cost, particularly if you ever have a claim. As of last year, the average driver in Ohio is wasting up to $830 a year so smart consumers compare quotes at every renewal to help ensure money is not being wasted.
Cheap Cincinnati car insurance rates with discounts
Companies do not list every possible discount very well, so the below list has both the well known and the more hidden credits available to you. If you’re not getting every credit available, you are throwing money away.
- Early Switch Discount – A few insurance companies offer discounts for buying a new policy before your current expiration date. You could save around 10% when you buy Cincinnati auto insurance online.
- E-sign – Many larger companies will give a small break for completing your application over the internet.
- Data Collection Discounts – People who choose to allow their company to track driving manner by using a telematics device like Allstate’s Drivewise could see a rate decrease if their driving habits are good.
- Clubs and Organizations – Being in a civic or occupational organization in Cincinnati can get you a small discount on your policy.
- Discount for Life Insurance – Some car insurance companies give lower premium rates if you buy some life insurance too.
- Drive Safe and Save – Drivers without accidents can save as much as half off their rates than drivers with accidents.
- Safety Course Discount – Successfully completing a course in safe driver can save you 5% or more and also improve your driving technique.
You should keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business.
The information below shows the comparison of Lexus RX 450h annual premium costs with and without discounts applied to the premium. The costs are based on a male driver, no violations or accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, claim-free, marriage, and safe-driver discounts applied.
Popular car insurance companies and some of the discounts can be read below.
- Progressive offers discounts for online quote discount, online signing, homeowner, multi-vehicle, good student, continuous coverage, and multi-policy.
- GEICO offers discounts including five-year accident-free, membership and employees, defensive driver, anti-lock brakes, and good student.
- State Farm has savings for defensive driving training, passive restraint, good driver, multiple policy, and multiple autos.
- Esurance discounts include homeowner, safety device, Switch & Save, defensive driver, and multi-policy.
- The Hartford policyholders can earn discounts including air bag, defensive driver, bundle, vehicle fuel type, driver training, and anti-theft.
When getting a coverage quote, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered on policies in Cincinnati. To find companies who offer car insurance discounts in Ohio, click here to view.
Can’t I compare prices from local Cincinnati car insurance agents?
A lot of people still like to go talk to an agent and that is a smart decision Experienced insurance agents can make sure you are properly covered and help file insurance claims. The biggest benefit of getting online price quotes is that you can obtain cheap rate quotes and still have a local agent. And supporting neighborhood insurance agencies is definitely important in Cincinnati.
Upon completion of this simple form, the coverage information is instantly submitted to companies in Cincinnati who want to provide quotes for your coverage. You don’t have to leave your house due to the fact that quote results will go directly to your email. If you want to get a comparison quote from a specific insurance company, just go to their quote page and give them your coverage information.
Best auto insurance agent in Cincinnati
When finding an insurance agent, it’s important to understand the different types of agents and how they differ in how they quote coverages. Agents are either exclusive or independent. Both types of agents can sell and service car insurance coverage, but it is a good idea to know the subtle differences since it can affect which agent you choose.
Independent Agencies or Brokers
Agents in the independent channel can quote rates with many companies and that is an advantage because they can write policies through many companies and potentially find a lower price. If they quote lower rates, your agent can just switch to a different company and the insured can keep the same agent.
When comparing car insurance rates, it’s recommended you include rate quotes from at least one independent agent to have the best price comparison. Most independent agents also contract with smaller companies that may have much lower rates than larger companies.
Shown below are Cincinnati independent agencies that may be able to provide comparison quotes.
- Globe Insurance
2619 Erie Ave – Cincinnati, OH 45208 – (513) 871-3330 – View Map - Kinker-Eveleigh Insurance Agency
7750 Montgomery Rd – Cincinnati, OH 45236 – (513) 891-6615 – View Map - Huesman Schmid Insurance Agency, Inc
5670 Cheviot Rd – Cincinnati, OH 45247 – (513) 521-8590 – View Map
Exclusive Car Insurance Agencies
These type of agents can only place business with one company such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on their products and sales techniques which helps overcome the inability to quote other rates. Many people purchase coverage from exclusives mostly because of the brand name and the convenience of having a single billing for all their coverages.
Below are Cincinnati exclusive insurance agents who can help you get price quotes.
- Dianne Michael – Allstate Insurance Agent
5062 Delhi Ave – Cincinnati, OH 45238 – (513) 451-8700 – View Map - Connor Smith – State Farm Insurance Agent
9620 Colerain Ave #25 – Cincinnati, OH 45251 – (513) 385-3385 – View Map - Deatria Walker – State Farm Insurance Agent
3252 N Bend Rd – Cincinnati, OH 45239 – (513) 661-0400 – View Map
Choosing the best auto insurance agent shouldn’t rely on just a cheap price quote. Any agent in Cincinnati should have no problem answering these questions:
- By raising physical damage deductibles, how much would you save?
- Are they primarily personal or commercial lines agents in Cincinnati?
- Will their companies depreciate repairs to your car based on the mileage?
- Can they provide you with a list of referrals?
- Will you work with the agent or an assistant?
- Do they get extra compensation for selling add-on coverages?
Ratings for Cincinnati car insurance companies
Insuring your vehicle with a good quality auto insurance provider is difficult considering how many companies sell insurance in Cincinnati. The company information listed below can help you choose which auto insurers to look at purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
One last thing to lower rates
We’ve covered a lot of techniques to compare Lexus RX 450h insurance prices in Cincinnati. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from some of the lesser-known companies.
Budget-conscious Lexus RX 450h insurance is definitely available on the web in addition to many Cincinnati insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide online rate quotes and these smaller providers only sell through local independent agents.
When searching for low cost Cincinnati auto insurance quotes, never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the best price, but don’t skip important coverages to save money.
How to buy affordable Lexus RX 450h insurance in Cincinnati
The most effective way to find affordable quotes for Lexus RX 450h insurance is to regularly compare price quotes from providers in Cincinnati. Drivers can shop around by completing these steps.
- Step 1: It will benefit you to learn about car insurance and the steps you can take to prevent rate increases. Many things that increase rates like at-fault accidents and poor credit history can be rectified by making minor changes in your lifestyle.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple sources.
- Step 3: Compare the price quotes to your current policy premium to determine if you can save on RX 450h insurance in Cincinnati. If you can save money and make a switch, ensure there is no coverage lapse between policies.
- Step 4: Provide notification to your current agent or company to cancel your current car insurance policy. Submit a signed application and payment for the new policy. As soon as you receive it, place your new proof of insurance certificate in an easily accessible location.
A good tip to remember is that you’ll want to compare the same liability limits and deductibles on each quote and and to get quotes from all possible companies. This enables the most accurate price comparison and the best rate selection.
More detailed insurance information is located by following these links:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- What is the Best Cheap Car Insurance in Cincinnati, Ohio? (FAQ)
- Who Has Affordable Cincinnati Auto Insurance Quotes for a Dodge Journey? (FAQ)
- How Much is Cincinnati Car Insurance for Postal Workers? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Your Car has been Stolen: Now What? (Allstate)
- Vehicle Safety Ratings (iihs.org)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)