2016 Lexus RC 350 Insurance Quotes – 5 Tricks for Best Rates

Searching for lower auto insurance rates for your Lexus RC 350? Wish you could get a refund on high-priced auto insurance? Believe me, there are many consumers feeling the pinch from expensive auto insurance.

Companies like State Farm, Progressive and Geico all claim big savings with advertising and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Use discounts on insurance

Insurance can be pricey, but you may find discounts that can dramatically reduce your bill. A few discounts will be applied at the time of quoting, but some must be specially asked for before you get the savings.

  • Save over 55 – Drivers over the age of 55 are able to get a small discount on rates for RC 350 insurance.
  • Homeowners Savings – Owning your own home or condo may trigger a policy discount on insurance due to the fact that maintaining a home requires personal responsibility.
  • Multi-line Discount – If the company offers life insurance, you could get better premium rates if you take out auto and life insurance together.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Geico and Liberty Mutual may permit one accident before raising your premiums if you have no claims for a particular time prior to the accident.
  • Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.

Just know that most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of insurance companies and some of their more popular discounts are outlined below.

  • Farm Bureau may offer discounts for driver training, multi-vehicle, good student, multi-policy, renewal discount, 55 and retired, and safe driver.
  • State Farm discounts include good student, multiple autos, Steer Clear safe driver discount, accident-free, anti-theft, and driver’s education.
  • Progressive policyholders can earn discounts including homeowner, multi-vehicle, good student, online quote discount, continuous coverage, online signing, and multi-policy.
  • Allstate offers premium reductions for new car, senior citizen, good student, teenSMART discount, and economy car.
  • Nationwide offers discounts including multi-policy, Farm Bureau membership, easy pay, defensive driving, and business or organization.
  • MetLife may have discounts that include good student, claim-free, good driver, multi-policy, accident-free, and defensive driver.

Before you buy a policy, ask every company which discounts you may be entitled to. Discounts might not apply in your area.

Low cost insurance coverage

The are a couple different ways to compare quotes from different companies. The recommended way to comparison shop is simply to get online rate quotes. It’s really quite simple and can be done by using one of the methods below.

  • The single most time-saving way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This quick form keeps you from doing boring form submissions for every prospective company. One quote request gets insurance cost estimates direct from many companies.
  • Another way to find lower rates requires you to visit the website of each company to request a price quote. For sake of this example, we’ll assume you want to view quotes from State Farm, 21st Century and Progressive. You would need to go to each individual site to input your insurance information, which can get old fast.

    To view a list of companies in your area, click here.

Whichever way you use, be certain you are entering apples-to-apples coverage limits for each quote you get. If each company quotes differing limits then you won’t be able to decipher which rate is best. Slightly different coverage limits could throw off the whole comparison. And when comparison shopping, comparing a large number of companies will increase your chances of finding lower pricing.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • How can I get high-risk coverage after a DUI?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my babysitter covered when using my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount?
  • How much liability coverage do I need in my state?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as X-ray expenses, ambulance fees and hospital visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive auto coverage

This coverage pays for 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 theft, falling objects, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

This coverage will cover injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like medical services, pain and suffering and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, hitting a parking meter, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2016 Lexus RC 350.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

And the best car insurance company is…

Cheap 2016 Lexus RC 350 insurance is attainable online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide internet price quotes and many times these small, regional companies sell through local independent agents.

We just covered a lot of tips how to shop for 2016 Lexus RC 350 insurance online. It’s most important to understand that the more times you quote, the better likelihood of getting the cheapest insurance coverage. Drivers may discover the best prices are with some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Geico and State Farm.

When shopping online for auto insurance, do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice liability coverage limits to discover at claim time that the savings was not a smart move. Your goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

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