I'm having an agent reshop insurance for us as our renewal is 4k/yr for 2 vehicles. That is with just 1 accident over 3 yrs ago, other person's fault (rear ended at a red light).

 

Same. My cousin actually has a TX

So before getting my Rav I actually set out if buy one of these V6 4WD gems. I researched and searched all over for one that was still in somewhat decent condition. I was dead set on getting a V6 4WD Rav until having a talk with couple family members in which one said “just get a brand new one”. That put an end to my search. 😆

 

I'm starting to see more GX and new Land Cruisers on the road. TX demand where I am seems to have mellowed.

 

Oh yes! I was driving on the expressway two days ago. The left and middle lanes moving slowly and congested and people driving super fast In the right lane!

You could have gotten an RX 350 AWD. Same drivetrain. Not much larger than a RAV4.
My brother had a FWD V6 RAV4 a few years ago. Great engine but Too much power for the narrow front tires.

 

Oh yeah. One of the first things my father taught me driving was to never cruise in the left lane, traffic or not. It’s basically common sense, yet there are a lot of dumb people out there.

 

We get it, you hate hybrids lol

I never considered the LX as a vehicle, to me a RR has always been a much more compelling vehicle...its always been a niche vehicle and that really hasn't changed. I don't think the new LX is that different than the old LX compared to the competition..only change is the lack of the V8 but most Range Rovers are not V8s either.

And don't ignore the fact that the new LX does sell better than the old LX.

Not sure why its so hard to believe that the insurance company would take claims into account when pricing the new premium. It only makes sense that they do that.

Note that there is no "claim free" or "good driver" discount listed, so those discounts aren't going into your renewal pricing which is costing you money in the premium.

 

I see both. I don’t see a ton of either, but I have seen several GX550s, I think they look great.

 

An LX is a niche vehicle like I've said for years which you have finally seen the light of day with, my point.

My other point is that LX570 was much, MUCH more competitive in its day. Like I said, 10 years ago an LX was a solid choice. The competition caught up and surpassed it big time. And the new one is just so disappointing in so many way. Great seats, I'll give it that.

This new one sells more, but not that many more. It always be a low selling truck compared to Escalades etc.

Maybe, maybe not. EVERYONES insurance has risen. I just got off the phone with my mother, hers has skyrocketed. @FrankReynoldsCPA said he pays 50% more with zero violations and accidents.

Going up $50 a month isn't a bit deal. It's just all this shytttt adds up and I'm sick of it.

 

Not sure where I have “just now” said it’s a niche vehicle. I have always said it’s a niche vehicle.

What I have said is it’s a mistake for Lexus not to have a vehicle with wider appeal and I believe that.

I don’t agree. I have always found it way behind.

None of it “is a big deal” because we can afford it. But, if your insurance is $3,000 a year, $50 a month is $600 a year which is a 20% increase. That’s not insignificant.

Pricing of insurance coverage is complex, a lot goes into it but of course the cost you create for the company in claims and the likelihood that you will file claims goes into that pricing.

For example, your coverage is about the same cost as my coverage despite having much cheaper older cars (much less overall liability for them) more cars but dramatically cheaper cars and living in a much lower cost area. Were the same age etc.

 

Do all the shock absorbers of the versions of nx300h are the same ? Or only the f sport version has the active variable suspension ?
Is the E - four version different from f sport from this point of view ? Or the e-four is just like any other nx ? Thank you !

 

You blamed poor sales on it not being a great truck and denied it was a niche vehicle, just a poor seller. Go back and find the posts, you would not admit it. Lexus doesn't care that it doesn't sell as many of these as Escalades. They know exactly what they're doing.

]Well they've added the TX and new GX, but I'll tell ya I'm not seeing too many of these TXs around and I figured they'd be at every corner.

Duly noted. It took third in a 2015 MT comparison FWIW. They loved its capability and just the luxury of having it all. It was a lot more competitive 10 years ago, like I've said a couple times.

It is when I consider insurance has paid out 20k in 3 years in claims.

I'm insuring 4 cars.... the Yukon is still worth at least 70 something.

 

I did no such thing lol


It’s not that compelling a vehicle. Lots of vehicles I would buy before one.

Which is why they have to charge you more than somebody similar who they haven’t paid out any claims for, it only makes sense. Of course the cost of your insurance is less than the cost of your claims, that’s because the risk is spread across all their customers. You are absolutely paying more than you would be paying if you had no claims though.

The total amount of risk though is much smaller because the total value of the cars is considerably less. They also probably have your primary as the car that’s the cheapest to save you in premium, if they are halfway decent insurance agents. Adding cars without primary drivers doesn’t add a whole lot to the policy. What year is the Yukon?

 

We argued about the LX570 until blue in the face. But we can leave it.

Me too, but now Lexus finally does have a "competitive crossover". I don't see very many. Now it's not a gauge of the entire nation, but I figured they'd be absolutely everywhere around here.

I never said it was impossible that my claims have risen the rates, but I will note that you told me about 30 times they were gonna drop me.. No such thing. You get a warning before, it happened to me when I was 16.

Right.... I get how insurance works. Yukon is a '22.

 

We used to have a ‘19 RX450H F Sport. Great vehicle. Sometimes wish we kept it😔

Believe it or not, my Rav has more interior space than the 22+ RXs. In addition I wanted NA engine.

 

Yep, I also had them mark certain cars of mine as ONLY for me to save a tad more. My "main" car is my Jeep according to insurance....issue I've been running into is I am driving the D4 W12 so much I keep having to bump the yearly mileage up.