Lexus RX-330 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Jun 7, 2023

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Comparing auto insurance by comparing rates online saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to take the time to get rates from all companies in order to accurately compare every option.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. Finding a lower price on Lexus RX-330 insurance can be quick and easy. You just have to take a little time to get quotes online from several insurance companies. This can be done by getting a quick quote here.

Criteria which help determine Lexus RX-330 insurance rates

Auto insurance rates on a Lexus RX-330 can vary widely and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Credit rating
  • Your location impacts rates
  • The number of annual miles
  • Men typically pay more than women
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

A final factor that can impact Lexus RX-330 insurance rates is the model year. Models that are new have a higher value in comparison to later models so the costs to repair can inflate annual premiums. But more recent RX-330 vehicles may have a trim level with safety features including dual-stage airbags, a rollover prevention system, and lane departure warning system which can help offset higher rates.

Auto liability insurance

This will cover injuries or damage you cause to people or other property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying higher limits if possible.

Collision coverage

This coverage will pay to fix damage to your RX-330 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Lexus RX-330 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your Lexus RX-330 comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.

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