View 2004 Lexus RX 330 Car Insurance Cost

Trying to find better insurance coverage rates for your Lexus RX 330? Searching for better insurance prices for a new or used Lexus RX 330 can be difficult, but you can use the following methods to find lower rates. There is a better way to find insurance coverage online so we’re going to tell you the proper way to get price quotes on a Lexus and locate the lowest price from local insurance agents and online providers.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can use this information to shop for the lowest rates while maximizing coverage. Consumers just need to know how to shop their coverage around online.

The most recommended method to compare insurance rates from multiple companies is to understand most larger insurance companies will pay a fee to quote your coverage. All you need to do is give the companies some data such as your education level, whether you are married, if you have a valid license, and the year, make and model of vehicles. Your information gets transmitted to insurance companies and they return cost estimate within a short period of time.

To check Lexus RX 330 insurance prices now, click here and enter your zip code.

These discounts can slash insurance coverage rates

Insurance coverage is easily one of your largest bills, but there could be significant discounts that many people don’t even know exist. A few discounts will be applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings.

  • Anti-lock Brakes – Vehicles that have anti-lock braking systems are safer to drive and will save you 10% or more.
  • Discounts for Good Drivers – Insureds who avoid accidents can pay as much as 50% less on RX 330 insurance compared to accident prone drivers.
  • Accident Free – Good drivers with no accidents can save substantially as compared to insureds who have frequent claims or accidents.
  • New Car Discount – Buying a new car model can be considerably cheaper since new vehicles are generally safer.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So even though you would think all the discounts add up to a free policy, it’s just not the way it works.

The best insurance coverage companies and some of their more popular discounts are:

  • 21st Century discounts include theft prevention, air bags, 55 and older, defensive driver, driver training, student driver, and teen driver.
  • State Farm has discounts for multiple autos, multiple policy, accident-free, Drive Safe & Save, driver’s education, safe vehicle, and Steer Clear safe driver discount.
  • AAA may have discounts that include multi-car, education and occupation, good student, anti-theft, multi-policy, and pay-in-full.
  • Liberty Mutual offers discounts including good student, exclusive group savings, hybrid vehicle, multi-car, teen driver discount, and new vehicle discount.
  • Progressive policyholders can earn discounts including homeowner, continuous coverage, good student, multi-policy, online quote discount, online signing, and multi-vehicle.

If you need lower rates, check with each company or agent the best way to save money. Some of the discounts discussed earlier may not be available in your area. To find companies who offer insurance coverage discounts, click here to view.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • What is the rate difference between pleasure use and commuting?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need rental car coverage?
  • What can I do if my company won’t pay a claim?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for collisions

This covers damage to your RX 330 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle, hitting a parking meter, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Lexus RX 330.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as rehabilitation expenses, chiropractic care, hospital visits, EMT expenses and prosthetic devices. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability coverages

Liability coverage can cover injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

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

Liability insurance covers claims like attorney fees, pain and suffering and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Have the Midas touch

Low-cost 2004 Lexus RX 330 insurance is possible online and also from your neighborhood agents, so you need to shop insurance coverage with both so you have a total pricing picture. There are still a few companies who may not have online quoting and most of the time these small, regional companies only sell coverage through independent agents.

In this article, we covered quite a bit of information on how to shop for 2004 Lexus RX 330 insurance online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the best price on car insurance is with the least-expected company.

When you buy insurance coverage online, never buy poor coverage just to save money. In too many instances, drivers have reduced collision coverage and learned later that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at the best possible price, but do not skimp to save money.

Much more information about car insurance can be found at the links below

Comments About 2004 Lexus RX 330 Insurance

  1. Alesha Robinson

    2004 Lexus RX 330 + State Farm = CHEAP! At least inFlorida anyway.

  2. Jodi Mcconnell

    Hope my car insurance gets cheaper. Lifelong resident of Charleston, South Carolina. Compared rates from a lot of places. Saved about $10 a month. State Farm was the best choice for me. My new agent seems to be really good. Might find lower rates online. I only have liability coverage on it.

  3. Evangeline Collins

    Thought I’d throw in my experience. Got a quote with Esurance for my Lexus and cut my rates about $110 a year. I only have liability coverage on it.

  4. Ladonna Matthews

    Hope my car insurance gets cheaper. From Paterson, NJ. Got free quotes online for a 2004 Lexus RX 330. Ended up at about $70 savings annually. Went with State Farm.

  5. Ha Barker

    I compared a lot of rate quotes for a 2004 Lexus RX 330 in Saint Paul, Minnesota. Ended up at roughly $90 every six months with Auto-Owners. Anyone else drop full coverage?

  6. Gregory Poole

    I’m from Lincoln, NE. Checked online prices for a 2004 Lexus RX 330. Ended up at about $110 savings annually. Went with Progressive. Left The General to switch. It never hurts to quote around.

  7. Sun Dickson

    Lots of useful info here. From northwest of Fairbanks, AK. Don’t remember every company but I ended up saving about $30 each month. Insured with Nationwide before.

  8. Andres Ayers

    I’m in the suburbs of Grand Forks, North Dakota. Checked online prices for a 2004 Lexus RX 330. Ended up at about $100 savings annually. Went with 21st Century. It’s still not cheap enough.

  9. Melina Hall

    I got quite a few price quotes for a 2004 Lexus RX 330 in Warwick, RI. Ended up at darn near $110 every six months with Auto-Owners. Was with Amica. I have a teen driver too. I don’t have comp or collision coverage.

  10. Sunni Kelly

    Cheaper not always better. From west side of Norfolk, Virginia. I compared lots of rates. Saved right around $20 a month. State Farm was the best choice for me. It’s only liability tho.

  11. Susanne Wooten

    Cheap car insurance? What’s that? Live in Phoenix, Arizona. Got prices from State Farm, AIG Insurance, and Farmers for my 2004 Lexus RX 330 and saved just over $100 a year. Thankfully I’m not a high risk driver. I’m thinking about dropping full coverage though.

  12. Randell Sandoval

    Cheap car insurance? What’s that? Quoted with Western Auto Insurance for my Lexus and cut my rates about $90 a year. Ask about discounts.

  13. Wm Dickson

    I’ve had Progressive for years. I’m in Cleveland, OH.

  14. Jacinta Roach

    In Wilmington, DE, AIG Insurance had the best rates for my 2004 Lexus RX 330. Left Progressive to switch. I have several vehicles insured with them. Next renewal I’ll just do liability.

  15. Isabelle Randolph

    Located in Rochester, MN. Went online for free insurance quotes for a 2004 Lexus RX 330. Ended up at about $120 savings annually. Went with 21st Century. Ask about discounts.

  16. Ashlyn Acosta

    Affordable car insurance is a myth. From north side of Kansas City, KS. Received quotes from AAA, Mercury, and some smaller one I can’t remember the name of for my 2004 Lexus RX 330 and I think I am saving around $30 each month.

  17. Cythia Fulton

    Like your site, BTW. I’m in the suburbs of Rockford, IL. Can’t remember who all I quoted but I ended up saving about $20 each month. Even increased coverage a bit.

  18. Nelle Leonard

    I’m in New Haven, CT, and Progressive rates were affordable. I think they have home insurance too. God forbid I actually have a claim. I dropped full coverage awhile back.

  19. Ingrid Puckett

    Found cheapest coverage with Travelers for my RX 330 and am saving around $110 a year. My new agent seems to be really good. Not sure if rates are cheaper online or not. I dropped full coverage awhile back.