Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: May 20, 2018

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Looking for cheaper car insurance rates for your Lexus NX 200t? No one anticipates paying for car insurance, particularly when the cost is too high.

Due to the fact that there are so many options, it can be hard to find the lowest price company.

Consumers need to compare rates occasionally because prices change quite often. Despite the fact that you may have had the best price for NX 200t insurance two years ago you may be paying too much now. You’ll find a ton of advice on car insurance on the web, but we’re going to give you some good information on how to buy car insurance cheaper.

Buying car insurance is not rocket science. Basically, anyone who shops for auto insurance most likely will be able to save money. But drivers should learn how insurance companies price online insurance.

Insurance coverage companies offer many discounts

Some companies don’t always advertise the entire discount list very well, so the following list contains both the well known in addition to some of the lesser obvious discounts that you may qualify for. If you do not check that you are getting every discount possible, you’re just leaving money on the table.

  • Accident Waiver – This isn’t a discount exactly, but a few companies such as GEICO, State Farm, and Progressive may permit one accident without raising rates if you have no claims for a particular time prior to the accident.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up could save 15% off PIP or medical payments premium.
  • Government Employees – Active or former government employment may reduce rates when you quote auto insurance for NX 200t insurance depending on your insurance coverage provider.
  • Pay Now and Pay Less – By making one initial payment rather than paying monthly you may reduce your total bill.
  • Defensive Driver Discount – Participating in a defensive driver class could save 5% or more and easily recoup the cost of the course.

A little disclaimer on discounts, most discount credits are not given the the whole policy. Most cut individual premiums such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will cut your insurance coverage premiums.

Companies that may offer most of these discounts are:

If you want affordable auto insurance quotes, ask every insurance company what discounts are available to you. Some credits may not apply to policyholders in your area. To see providers that offer the discounts shown above, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Low cost insurance price quotes

Comparing insurance rates can be challenging if you don’t utilize the fastest way to get free quotes. You could spend your day talking to local insurance agents in your area, or you could save time and use online quotes to get the quickest rates.

Many insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each participating company returns a competitive quote based on the submitted data. This saves time by eliminating quotation requests for each company.

To compare rates using this form now click here to start a free quote.

The only drawback to using this type of system is that consumers can’t choose which companies to receive prices from. If you wish to select from a list of companies to compare prices, we have a listing of insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just compare the exact same coverages for every quote you compare. If you are comparing different deductibles it will be very difficult to decipher which rate is best. Quoting even small variations in coverages may result in a large different in cost. Keep in mind that quoting more helps improve the odds of finding a lower rate than you’re paying now.

Do I just need basic coverages?

When it comes to buying coverage, there really is no one size fits all plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Am I better off with higher deductibles on my 2015 Lexus NX 200t?
  • Is a new car covered when I drive it off the dealer lot?
  • Will my rates increase for filing one claim?
  • Does my personal policy cover me when driving out-of-state?
  • Is my camper covered by my car insurance policy?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance specifics

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Auto liability insurance – This coverage protects you from damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like attorney fees, bail bonds, loss of income, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision coverages – Collision coverage pays for damage to your NX 200t caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, damage from a tornado or hurricane and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, ambulance fees and rehabilitation expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Enter your zip code below to view companies that have cheap auto insurance rates.

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Take this to the bank

Lower-priced insurance can be found online in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture. There are still a few companies who may not offer online rate quotes and these smaller providers only sell coverage through local independent agencies.

In this article, we covered some good ideas how to compare 2015 Lexus NX 200t insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting low cost auto insurance. Consumers may even find the most savings is with a small mutual company. They may only write in your state and offer lower prices than their larger competitors like State Farm, GEICO and Nationwide.

Much more information about insurance is available on the following sites: