2018 Lexus RC 350 Insurance Quotes

Feel like you’re a prisoner to high-priced insurance coverage? Trust us, there are lots of residents who feel the same.

Companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings with advertising and it is difficult to see through the cute green geckos and mayhem and find the best price available.

Discounts can really help lower rates

Insurance coverage is not cheap nor is it fun to buy but you might find some hidden discounts that can help lower your rates. Some discounts will apply at quote time, but a few need to be specifically requested prior to receiving the credit. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • Good Grades Discount – This discount may save as much as 25% on a insurance quote. Most companies allow this discount well after school through age 25.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
  • Senior Discount – Mature drivers can possibly qualify for a small discount on rates on RC 350 coverage.
  • Telematics Discount – Insureds who allow their insurance company to spy on driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.
  • Early Signing – A few insurance companies allow discounts for switching companies prior to the expiration date on your current policy. This discount can save up to 10%.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Policy Bundle Discount – If you have multiple policies with one company you will save nearly 15% which can help you find cheap insurance.

Don’t be shocked that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

A list of companies and a partial list of their discounts are detailed below.

  • Geico offers premium reductions for seat belt use, five-year accident-free, emergency military deployment, multi-policy, driver training, and membership and employees.
  • Mercury Insurance discounts include multi-policy, age of vehicle, accident-free, good driver, professional/association, and good student.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, good student, youthful driver, early shopping, distant student, business and professional, and bundle discounts.
  • Auto-Owners Insurance offers discounts including student away at school, air bags, anti-lock brakes, safe vehicle, multiple vehicles, and mature driver.
  • Liberty Mutual includes discounts for safety features, multi-policy, preferred payment discount, good student, and hybrid vehicle.
  • SAFECO may offer discounts for homeowner, multi-car, safe driver, teen safe driver, anti-theft, and drive less.
  • Progressive may have discounts that include continuous coverage, multi-policy, multi-vehicle, online signing, and homeowner.
  • USAA offers discounts for driver training, annual mileage, new vehicle, family discount, loyalty savings, multi-vehicle, and vehicle storage.

Before buying, ask each company or agent which discounts they offer. Savings may not apply in your area. If you would like to view insurance coverage companies with significant discounts, follow this link.

What impacts Lexus RC 350 insurance premiums?

An important part of buying insurance is that you know a few of the rating criteria that go into determining the level of your policy premiums. When you understand what determines premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

  • Vehicles with better crash test results cost less to insure – Vehicles with good safety scores are cheaper to insure. These vehicles reduce occupant injuries and reduced instances of injuries translates directly to fewer claims and cheaper rates on your policy. If your Lexus is rated at least four stars on Safercar.gov you may pay a lower rate.
  • Careless drivers pay higher costs – Careful drivers have lower premiums than their less careful counterparts. Having a single driving citation can increase rates forty percent or more. Drivers who have gotten multiple violations like hit and run, DWI or reckless driving convictions may need to complete a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Liability – Your insurance coverage policy’s liability coverage is the coverage that protects you in the event that you are ruled to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Do you really need roadside assistance? – Policies have additional coverages that may not really be needed on your insurance coverage policy. Add-on coverages like replacement cost coverage, towing coverage, and extra life insurance coverage are probably not needed. These may sound like a good investment when discussing your needs, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Teenage drivers are expensive to insure – Mature drivers tend to be more responsible, tend to file fewer claims .Youthful drivers are proven to be easily distracted when driving so insurance coverage rates are higher.
  • Marriage discount – Being married helps lower the price on your insurance coverage policy. Having a significant other means you’re more stable financially it has been statistically shown that drivers who are married file infrequent claims.

Will just any policy work for me?

When it comes to buying adequate coverage, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • What are the best liability limits?
  • What is the ISO rating for a 2018 Lexus RC 350?
  • Is my cargo covered for damage or theft?
  • Am I covered when driving on a suspended license?
  • Do I need medical payments coverage since I have good health insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Who is covered by my policy?
  • What is no-fault insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance advertisements

Car insurance companies such as 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. They all advertise claims of big savings if you just switch to their company. How does each company claim to save you money? It’s all in the numbers.

Companies have specific characteristics for a prospective insured that earns them the highest profit. For example, this type of insured may need to be a married female, has no tickets, and chooses high deductibles. Any customer who fits that profile will most likely get cheap prices and have a good chance to save a lot of money.

Drivers who cannot meet these standards may be required to pay higher premiums and ends up with the prospect going elsewhere. The ads state “customers who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can make claims like that.

This really drives home the point why you really need to compare quotes as often as possible. It’s just too difficult to predict which car insurance company will have the best premium rates for your profile.

Detailed coverages of your car insurance policy

Having a good grasp of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by car insurance companies.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills like surgery, rehabilitation expenses, funeral costs and nursing services. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, a tree branch falling on your vehicle, theft, vandalism and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance covers damage to your RC 350 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, crashing into a building, driving through your garage door, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Lexus RC 350.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Coverage for liability

This coverage can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like repair costs for stationary objects, loss of income, medical expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Shop Smart and Save

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

Low-cost 2018 Lexus RC 350 insurance can be found from both online companies as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies don’t offer online quoting and these smaller providers work with independent agents.

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