Best Ways to Save on San Francisco Lexus RX 450h Insurance

Insurance for Lexus RX 450hIt’s an obvious conclusion that insurance companies want to keep you from comparing prices. Drivers who shop around for better prices are very likely to switch car insurance companies because of the high probability of finding a policy with better rates. A recent car insurance study discovered that consumers who make a habit of shopping around saved about $3,400 over four years compared to other drivers who never shopped around for better prices.

If finding the lowest price on Lexus RX 450h insurance is the reason for your visit, then understanding how to shop for car insurance can save time and money.

The preferred way to find affordable quotes for car insurance rates in San Francisco is to compare quotes once a year from insurance carriers who sell auto insurance in California.

Step 1: Spend some time learning about how companies price auto insurance and the things you can control to keep rates low. Many factors that result in higher prices like accidents, careless driving, and a poor credit score can be eliminated by making minor driving habit or lifestyle changes. Continue reading for instructions to keep prices down and earn a bigger discount.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of companies.

Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper rate is available in San Francisco. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Tell your current company to cancel your existing policy. Submit a completed policy application and payment for your new coverage. Immediately keep the new certificate verifying coverage above your visor, in the console, or in the glove compartment.

One thing to remember is to compare the same amount of coverage on each quote request and and to get rate quotes from as many different companies as possible. Doing this guarantees a fair rate comparison and a good representation of prices.

If you currently have car insurance, you should be able to get lower rates using this strategy. Locating the most cost-effective car insurance policy in San Francisco is quite easy if you know the best way to do it. But California vehicle owners should learn how companies determine how much to charge and use it to find better rates.

These seven discounts can cut Lexus RX 450h insurance rates

Car insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you complete an application, but less common discounts must be manually applied before you will receive the discount.

Policy discounts save money, but most credits do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The chart below illustrates the difference between Lexus RX 450h insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims or driving citations, California 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 homeowner, marriage, multi-car, multi-policy, claim-free, and safe-driver discounts applied.

To see a list of providers that offer some of these discounts in California, click this link.

The quickest way to compare policy rates for Lexus RX 450h insurance in San Francisco is to know the trick auto insurance companies have advanced systems to provide you with a free rate quote. All you need to do is provide information including if you lease or own, level of coverage desired, if a SR-22 is required, and how your vehicles are used. Your rating data gets transmitted to many different companies and they respond with quotes instantly.

If you would like to start a quote now, click here and complete the quick form.

The following companies have been selected to offer quotes in California. If more than one company is shown, we suggest you visit several of them to get the cheapest price.

Rates and data analysis

The price information displayed below covers estimates of prices for Lexus RX 450h models. Having a good grasp of how auto insurance policy rates are established can assist in making decisions when choosing a new policy provider.


Lexus RX 450h Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 450H Hybrid 2WD 4-Dr $490 $780 $654 $38 $196 $2,158 $180
RX 450H Hybrid 4WD 4-Dr $490 $780 $654 $38 $196 $2,158 $180
Get Your Own Custom Quote Go

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in vehicle garaging location which can influence auto insurance rates noticeably.

Policy deductibles

One of the hardest decisions when shopping for insurance is how high or low should comp and collision deductibles be. The tables below may help to conceptualize the cost difference between low and high insurance deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.


Lexus RX 450h insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 450H Hybrid 2WD 4-Dr $478 $932 $500 $30 $150 $2,115 $176
RX 450H Hybrid 4WD 4-Dr $478 $932 $500 $30 $150 $2,115 $176
Get Your Own Custom Quote Go

Lexus RX 450h insurance prices with $1,000 deductibles
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
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in your specific San Francisco location which can alter auto insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $56 more each month or $672 every year across all Lexus RX 450h models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 16 months between claim filings, you would probably save some money if you choose the higher deductible.

The example below highlights how deductible choice and can change Lexus RX 450h insurance premiums for different insured age categories. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Rate comparison of men versus women in San Francisco

The illustration below illustrates the comparison of Lexus RX 450h insurance premiums for male and female drivers. The data is based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, single status, and no discounts are taken into consideration.

Auto insurance can be complex

When quoting and choosing the best auto insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions can help discover if you might need an agent’s assistance.

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance is available from agents near you

A small number of people prefer to get professional advice from a licensed agent and we recommend doing that The best thing about comparing rate quotes online is the fact that you can find the best rates but also keep your business local. Putting coverage with local insurance agents is especially important in San Francisco.

Insurance agents in San FranciscoTo make it easy to find an agent, after completing this quick form, your coverage information is instantly submitted to companies in San Francisco that give free quotes for your insurance coverage. You won’t even need to find an agent as quotes are delivered immediately to your email address. You can most likely find cheaper rates AND a local agent. If you wish to compare rates from a particular provider, feel free to search and find their rate quote page and fill out their quote form.

If you want to buy insurance from a reliable agent, there are two different types of agencies and how they work. Insurance agencies can be classified as either exclusive or independent agents depending on their company appointments.

Independent Insurance Agents (or Brokers)

Independent agencies often have affiliation with several companies so as a result can place your coverage with lots of companies and help determine which has the cheapest rates. If your premiums go up, they simply switch companies in-house and you don’t have to switch agencies. When comparing rate quotes, you need to compare quotes from several independent agencies for maximum quote selection.

The following is a partial list of independent agencies in San Francisco that may be able to give you rate quotes.


3372 22nd StSan Francisco, CA 94110(415) 282-5888View Map


2126 Sutter StSan Francisco, CA 94115(415) 567-7660View Map


101 California St #2710San Francisco, CA 94111(415) 870-6999View Map

More San Francisco agents

Exclusive Agencies

Exclusive insurance agents can only quote rates from one company like State Farm, Allstate, or Farmers Insurance. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. They are trained well in insurance sales and that allows them to sell at a higher price point.

Shown below is a list of exclusive agencies in San Francisco willing to provide rate quotes.


408 Columbus Ave #2San Francisco, CA 94133(415) 788-7881View Map


1736 Stockton St #9San Francisco, CA 94133(415) 525-3344View Map


870 Market St #440San Francisco, CA 94102(415) 982-9900View Map

More San Francisco agents

Finding the right insurance agent is decision based upon more than just the quoted price. A good agent in San Francisco will have answers to these questions.

Why you need to buy insurance

Even though San Francisco RX 450h insurance rates can get expensive, insurance is required in California but also provides important benefits.

The benefits of carrying enough insurance more than cancel out the cost, especially for larger claims. On average, a vehicle owner in San Francisco is currently overpaying as much as $750 every year so you should quote your policy with other companies at every renewal to save money.

Information about specific coverages

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like prosthetic devices, chiropractic care, X-ray expenses, surgery and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, fire damage, hitting a bird and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Lexus RX 450h.

Since many California drivers have only the minimum liability required by law (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage

This coverage will pay to fix damage to your RX 450h resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible on your RX 450h in order to get cheaper collision rates.

Liability coverages

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. 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 limits of 15/30/5 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, court costs, pain and suffering and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford. California requires minimum liability limits of 15/30/5 but you should consider buying higher limits.

The next chart demonstrates why buying the state minimum limits may not be adequate.

More comparisons equals cheap rates

People switch companies for many reasons like not issuing a premium refund, delays in paying claims, policy cancellation or lack of trust in their agent. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

We just presented a lot of information how to save on Lexus RX 450h insurance in San Francisco. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the biggest savings come from a small mutual company.

Some companies don’t offer rates over the internet and most of the time these regional insurance providers work with independent insurance agents. Cheaper Lexus RX 450h insurance in San Francisco is possible online and with local San Francisco insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

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