It’s astonishing, but the vast majority of auto insurance customers have been with the same company for more than four years, and practically 40% of auto insurance customers have never even compared quotes to find affordable rates. With the average premium in Arizona being $1,580, drivers could save an average of approximately $700 each year by just shopping around, but they don’t know how much they could save if they replace their high priced policy.
If you want to find the absolute lowest rates, then the best way to find affordable quotes for Lexus RX 450h insurance is to start doing a yearly price comparison from providers who sell auto insurance in Scottsdale.
First, try to understand how auto insurance works and the measures you can take to keep rates in check. Many factors that are responsible for high rates like at-fault accidents, speeding tickets, and a low credit rating can be remedied by paying attention to minor details.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes for a wide range of insurance providers. Click to view companies
Third, compare the new rate quotes to your current policy premium and see if you can save money. If you can save some money and make a switch, ensure coverage does not lapse between policies.
A valuable tip to remember is that you’ll want to compare the same deductibles and limits on each quote request and and to get quotes from as many companies as you can. Doing this enables a fair rate comparison and and a good selection of different prices.
Finding more affordable Scottsdale insurance rates isn’t really that difficult. The only thing you need to do is spend a few minutes on the computer getting comparison quotes to find the company with affordable Lexus RX 450h insurance quotes.
It’s so simple to compare insurance rates online replaces the need to actually drive to all the different Scottsdale insurance agencies. Quoting and buying Lexus RX 450h insurance online eliminates the need for an insurance agent unless you prefer the extra assistance of an agent trained in personal lines coverage. It is possible to find lower rates online but have a local agent actually write the policy.
The auto insurance companies shown below have been selected to offer price comparisons in Scottsdale, AZ. To find cheap auto insurance in Scottsdale, AZ, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Choosing Lexus RX 450h insurance is an important decision
Despite the fact that auto insurance is not cheap in Scottsdale, insurance is required in Arizona but also provides important benefits.
First, just about all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability coverage in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your car with a loan, almost every bank will force you to buy insurance to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your Lexus at a significantly higher premium and force you to pay the higher price.
Third, auto insurance preserves both your car and your personal assets. Insurance will pay for medical bills for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance are without a doubt worth the cost, especially for larger claims. On average, a vehicle owner in Scottsdale overpays more than $750 every year so shop around each time the policy renews to ensure rates are competitive.
Car insurance statistics for a Lexus RX 450h
The rate table displayed below outlines a range of insurance costs for Lexus RX 450h models. Knowing how rate quotes are formulated can help you make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 450H Hybrid 2WD 4-Dr | $296 | $582 | $348 | $20 | $104 | $1,350 | $113 |
| RX 450H Hybrid 4WD 4-Dr | $296 | $582 | $348 | $20 | $104 | $1,350 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in vehicle garaging location which can raise or lower rates considerably.
Where to set your deductibles
One common question asked by Scottsdale drivers is which comprehensive and collision deductibles to buy. The following tables may help to conceptualize the rate difference between low and high policy deductibles. The first rate estimation uses a $100 physical damage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 450H Hybrid 2WD 4-Dr | $324 | $632 | $338 | $20 | $102 | $1,441 | $120 |
| RX 450H Hybrid 4WD 4-Dr | $324 | $632 | $338 | $20 | $102 | $1,441 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX 450H Hybrid 2WD 4-Dr | $180 | $334 | $338 | $20 | $102 | $974 | $81 |
| RX 450H Hybrid 4WD 4-Dr | $180 | $334 | $338 | $20 | $102 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can influence premiums substantially.
We can derive from the above data that using a $100 deductible could cost the average driver approximately $39 more each month or $468 for a full year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 23 months between claim filings, you would probably save some money by going with a higher deductible.
Driving violations and accidents
The illustration below demonstrates how citations and at-fault collisions can influence Lexus RX 450h insurance prices for different age groups. The data assumes a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Rate comparison of full coverage and liability-only
The diagram below shows the difference between Lexus RX 450h premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rates are based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no discounts are applied.
Should you pay for full coverage or liability only?
There is no exact rule of when to stop paying for full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Lexus RX 450h settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying your deductible. If it’s costing in excess of $700 annually to have full coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.
Affordable Lexus RX 450h insurance quotes in Scottsdale
Not too many consumers would say car insurance is affordable, but you may find discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time you complete a quote, but some discounts are required to be asked about prior to getting the savings.
- Distant College Student Discount – Older children who are enrolled in a college that is more than 100 miles from Scottsdale and won’t have access to an insured vehicle could get you a discount.
- Waiver for an Accident – This one is not really a discount per se, but certain companies permit an accident without raising rates if you have no claims before the accident.
- Safety Course Discount – Passing a defensive driver class could save 5% or more if you qualify.
- Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents so you can save 10 percent or more.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
- Drivers Education – Have your child take driver’s ed class in school.
- Government Employees – Active or former government employment could cut as much as 10% off with certain companies.
- Passive Restraints – Cars that have air bags or motorized seat belts could see savings of 25 to 30%.
As is typical with insurance, most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it’s just not the way it works.
The diagram below compares Lexus RX 450h insurance rates with and without discounts applied to the rates. The information is based on a male driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, marriage, and multi-policy discounts applied.
For a list of companies with discount car insurance rates in Scottsdale, click here.
Local neighborhood Scottsdale car insurance agents
Some people would rather buy from a local agent and that is OK! Good insurance agents will help you protect your assets and help file insurance claims. The best thing about comparing insurance prices online is the fact that you can find better rates and still choose a local agent. Putting coverage with small agencies is still important in Scottsdale.
After completing this short form, your coverage information is transmitted to companies in Scottsdale that provide free Scottsdale car insurance quotes to get your business. You won’t even need to leave your house as quotes are delivered to the email address you provide. If you wish to compare prices from one company in particular, you can always jump over to their website and give them your coverage information.
If you need to find a local Scottsdale insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Scottsdale agents can be categorized as either independent or exclusive depending on the company they work for. Both properly insure your vehicles, but we need to point out the differences because it can impact the kind of agent you use.
Independent Insurance Agents
Agents that elect to be independent are appointed with more than one company and that enables them to quote your coverage with a variety of different insurance companies and find you the best rates. If your premiums go up, they simply move the coverage in-house and the insured can keep the same agent. If you need cheaper car insurance rates, it’s a good idea to include rate quotes from several independent agencies in order to have the best price comparison.
Shown below is a partial list of independent insurance agencies in Scottsdale that may be able to give free car insurance quotes.
Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400 – View Map
Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200 – View Map
Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map
Exclusive Car Insurance Agencies
These type of agents can only write with one company such as Allstate, State Farm and Farm Bureau. These agents are not able to provide other company’s prices so they have to upsell other benefits. Exclusive agents receive extensive training on the products they sell which helps overcome the inability to quote other rates.
Listed below are exclusive agencies in Scottsdale willing to provide comparison quotes.
Farmers Insurance – Marc Sollee
6320 E Thomas Rd #303 – Scottsdale, AZ 85251 – (480) 900-8010 – View Map
Dwayne Aaron – State Farm Insurance Agent
14555 N Scottsdale Rd #120 – Scottsdale, AZ 85254 – (480) 948-2005 – View Map
Ric Newman – State Farm Insurance Agent
10401 E McDowell Mountain Ranch Rd #110 – Scottsdale, AZ 85255 – (480) 860-2121 – View Map
Finding a good auto insurance agent is decision based upon more than just a low price. Below are some questions you should ask.
- What discounts might you be missing?
- Is the agent properly licensed in Arizona?
- How much can you save by raising your physical damage deductibles?
- Are they able to provide referrals?
- Do they write coverage based solely on cost?
After talking to the agent and getting acceptable answers and an affordable coverage quote, chances are good that you have found an auto insurance agent that can adequately provide car insurance.
Insurance agents can help
Always remember that when buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply.
For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.
- Do I have coverage when using my vehicle for my home business?
- Why am I be forced to buy a membership to get insurance from some companies?
- What is GAP insurance?
- What if I owe more than I can insure my car for?
- How do I file an SR-22 for a DUI in Arizona?
- How high should deductibles be on a Lexus RX 450h?
- Who does medical payments coverage extend to?
- Are there any extra discounts I can get?
- What is covered by UM/UIM coverage?
- Does low annual mileage earn a discount?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.
Be persistent and save
Cheaper auto insurance in Scottsdale can be purchased both online and also from your neighborhood Scottsdale agents, so you need to quote Scottsdale car insurance with both so you have a total pricing picture. There are still a few companies who don’t offer price quotes online and most of the time these regional insurance providers sell through independent insurance agents.
We’ve covered some good ideas how to lower your Lexus RX 450h insurance car insurance rates in Scottsdale. The key thing to remember is the more quotes you get, the higher your chance of finding affordable Scottsdale car insurance quotes. Consumers may even find the best price on auto insurance is with some of the smallest insurance companies. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.
Additional information can be found at these links:
- Speed and Speed Limit FAQ (iihs.org)
- What Car Insurance is Cheapest for a Toyota Camry in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Car Insurance Quotes for Felons? (FAQ)
- Who Has Cheap Scottsdale Car Insurance for Young Drivers? (FAQ)
- How Much are Scottsdale Auto Insurance Rates for a Company Car? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a School Permit in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance for Ride Shares in Scottsdale? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)
- Vehicle Insurance (Wikipedia)
- Insurance losses by make and model (Insurance Institute for Highway Safety)