Save on Lexus RX 350 Insurance in Pittsburgh

Insurance quote for Lexus RX 350 in PittsburghSad but true, nearly 70% of customers have purchased from the same company for four years or more, and nearly the majority have never compared rates to find affordable insurance. With the average premium in America being $1,847, drivers could cut their rates by up to 47% a year by just comparing quotes, but most just don’t grasp the rate savings if they moved their coverage to a different company.

If your goal is the lowest price, then the best way to get discount Lexus RX 350 insurance is to start comparing rates regularly from companies who sell auto insurance in Pittsburgh.

One thing to remember is to compare similar coverage information on each price quote and and to compare every company you can. This helps ensure an apples-to-apples comparison and maximum price selection.

This article’s intent is to familiarize you with the best way to quote coverages and how to save the most money. If you have a current car insurance policy, you will surely be able to cut your premiums using this strategy. But Pennsylvania drivers can benefit by having an understanding of how insurance companies market on the web because rates are impacted by many factors.

Best companies for low-cost Lexus RX 350 insurance in Pennsylvania

The car insurance companies shown below are ready to provide price quotes in Pennsylvania. If your goal is to find cheap car insurance in PA, we recommend you visit two to three different companies to get the most affordable price.

Facts and figures for Lexus RX 350 insurance

The premium information shown next covers different prices for Lexus RX 350 models. Having insight into how insurance policy premiums are determined is important for drivers to make decisions on the best policy to buy.

Lexus RX 350 Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 350 2WD $288 $576 $502 $30 $150 $1,546 $129
RX 350 4WD $288 $576 $502 $30 $150 $1,546 $129
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in vehicle garaging location which can raise or lower insurance rates substantially.

How careless driving impacts Pittsburgh auto insurance rates

The diagram below illustrates how traffic citations and accidents increase Lexus RX 350 car insurance costs for each different age group. The rate quotes are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

Auto insurance discounts are available to get cheap rates

Auto insurance is not cheap nor is it fun to buy but there are discounts available that you may not even be aware of. Some discounts apply automatically when you quote, but a few need to be manually applied before you will receive the discount. If you’re not getting every credit you qualify for, you are paying more than you should be.Save money with discounts

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you could get a free auto insurance policy, you won’t be that lucky.

The illustration below compares Lexus RX 350 premium costs with and without discounts applied to the policy premium. The prices are based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, safe-driver, and marriage discounts applied.

For a list of auto insurance companies with discount rates in Pittsburgh, follow this link.

What Affects Lexus RX 350 Insurance Rates?

Lots of factors are considered when you get a price on insurance. Some are pretty understandable such as your driving history, but other criteria are more transparent like where you live or your commute time. Part of the car insurance buying process is learning the factors that come into play when calculating your policy premiums. When you understand what controls the rates you pay, this helps enable you to make changes that could result in cheaper rates.

The following are some of the things car insurance companies consider when setting prices.

There’s no such thing as the perfect auto insurance policy

When it comes to buying your policy, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.Drive safe and save

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Shop online but buy locally

A small number of people would rather visit with an insurance agent and that can be a smart move An additional benefit of getting online price quotes is you may find cheaper rates and still have a local agent. Buying insurance from local insurance agents is important especially in Pittsburgh.

For easy comparison, once you complete this form (opens in new window), your coverage information gets sent to local insurance agents that can give you free Pittsburgh auto insurance quotes for your business. There is no need to find an agent due to the fact that quote results will go directly to your email. You can find the lowest rates and an insurance agent to talk to. If you need to quote rates from a particular provider, just visit that company’s website and complete a quote there.

If you’re trying to find a local Pittsburgh insurance agent, there are a couple of types of insurance agents and how they function. Insurance policy providers may be either independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Agents that choose to be independent are not employed by one company and that enables them to quote your coverage with an assortment of companies and help determine which has the cheapest rates. If your agent finds better pricing, your agent can switch companies which is easy for the insured. When comparison shopping, we recommend you compare quotes from several independent insurance agents to have the best price comparison. Many independent agencies also insure through companies that do not advertise much which can save you money.

Featured below is a partial list of independent insurance agents in Pittsburgh that may be able to provide price quote information.

More Pittsburgh agents

Exclusive Agents

Exclusive agents have only one company to place business with such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to compare other company’s rates so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company’s products which helps overcome the inability to quote other rates. Some consumers prefer to use the same agent mostly because of the brand rather than low rates.

Below is a list of exclusive insurance agencies in Pittsburgh who can help you get rate quotes.

More Pittsburgh agents

Finding the right insurance agency requires you to look at more than just the price. You should also get answers to these questions.

Ratings for Pennsylvania car insurance companies

Choosing the top auto insurance company can be difficult considering how many companies there are in Pennsylvania. The company rank data shown below can help you pick which car insurance providers to look at purchasing coverage from.

Top Car Insurance Companies in Pennsylvania
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Titan Insurance 87 96 94 93% A+ 92.9
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 79 93 90 87% A+ 88.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

Quote. Compare. Save.

Drivers switch companies for many reasons like not issuing a premium refund, extreme rates for teen drivers, policy non-renewal and even delays in paying claims. Regardless of your reason, choosing a new insurance company can be easier than you think.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are too many instances where someone dropped full coverage and learned later they didn’t have enough coverage. The aim is to get the best coverage possible at the best price, but do not skimp to save money.

More affordable auto insurance in Pittsburgh is definitely available from both online companies as well as from independent agents in Pittsburgh, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not have the ability to get a quote online and these regional carriers prefer to sell through independent agents.

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