Lower Your 2002 Lexus RX 300 Car Insurance Quotes

Nobody enjoys paying for insurance, particularly when their premiums are through the roof.

Drivers have multiple insurers to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find the lowest rates.

Quick Auto Insurance Quotes

Comparing auto insurance rates can be challenging if you aren’t aware of the most efficient way. You can spend your afternoon talking to local insurance agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most major companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company returns a rated price based on that data. This eliminates the need for quote forms to each individual auto insurance company.

To access this free quoting program, click here (opens in new window).

The one downside to getting quotes like this is you don’t know exactly which insurance companies you want to price. If you would rather choose individual companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing identical coverage information for every company. If you enter higher or lower deductibles it will be next to impossible to find the best deal for your Lexus RX 300. Having just a slight variation in coverage limits can make a big difference in price. And when price shopping your coverage, quoting more will enable you to find better pricing.

When might I need the advice of an agent?

When choosing adequate coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • I have a DUI can I still get coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I buy a commercial auto policy?
  • Does my insurance cover my expensive audio equipment?
  • How much liability do I need to cover my assets?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Liability coverages – This coverage can cover injuries or damage you cause to a person or their property. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair costs for stationary objects, court costs and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, rolling your car, backing into a parked car, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, fire damage, theft, a tree branch falling on your vehicle and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Lexus RX 300.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses like surgery, prosthetic devices and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible