2003 Lexus RX 300 Insurance Rates – 8 Tips for Best Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 23, 2017

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Consumers have a choice when looking for low-cost Lexus RX 300 insurance. You can either spend your time contacting agents to get rate comparisons or use the internet to make rate comparisons.

There is a better way to buy insurance coverage so you’re going to learn the quickest way to price shop coverage for a new or used Lexus and find the lowest possible price from local insurance agents and online providers.

It’s smart to check insurance coverage prices at least once a year since insurance rates go up and down regularly. Even if you got the lowest rates on RX 300 coverage a couple years back other companies may now be cheaper. Starting now, forget anything you know (or think you know) about insurance coverage because it’s time to teach you one of the easiest ways to find better rates and still maintain coverage.

Which Insurance Coverage is Cheapest?

All major insurance coverage companies allow you to get insurance quotes on the web. This process is fairly simple as you simply type in your required coverages into the quote form. Behind the scenes, their rating system obtains your driving and credit reports and returns pricing information.

This simplifies rate comparisons, but having to visit several different sites and fill out multiple forms can be a bit repetitive. But it is imperative to do this in order to get better prices.

The preferred way to compare insurance coverage pricing uses one simple form that obtains quotes from several different companies. The form is fast, requires much less work on your part, and makes online quotes much simpler. As soon as the form is sent, it is quoted and you are able to buy any one of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and compare pricing, click here and complete the simple form. To compare your current rates, we recommend you enter coverages and limits identical to your current policy. Doing this guarantees you will be getting a fair comparison based on the exact same insurance coverage.

When might I need help?

When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are rock chip repairs covered?
  • How can I force my company to pay a claim?
  • Am I covered when driving on a suspended license?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Information about specific coverages

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

Collision coverage covers damage to your RX 300 resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, backing into a parked car, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like prosthetic devices, nursing services, ambulance fees, doctor visits and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, theft, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

This provides protection from damage that occurs to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, funeral expenses, emergency aid, court costs and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

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