Save on Lexus RX 300 insurance

How to Insure your Lexus RX 300 on a Tight Budget

If buying car insurance was fun, we'd do it as a recreational sport. But the reality is, you probably don't enjoy it and you think it costs too much. Buying insurance on your Lexus RX 300 might leave you feeling the same way.

Step One: Insurance Quotes

Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Not anymore!

All the major car insurance companies sell insurance for a Lexus RX 300 and you can compare their rates by entering your information only one time.

Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Lexus RX 300.

Quote Tip! In order to accurately compare rates for your RX 300, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.

Step Two: Insider Tips for Finding Cheaper RX 300 Insurance

Once you have quotes in hand, you can then consider some of the other techniques for lowering your RX 300 insurance rates.

Lexus RX 300 insurance

Step Three: Make an Informed Buying Decision

Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your RX 300 with.

On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.

If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Lexus added prior to the expiration of this grace period. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.

After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.

More Resources for Insurance Buying

To do more research on car insurance, visit the Insurance Information Institute website.

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