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2015 Lexus RC 350 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 24, 2020

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Finding lower rates for auto insurance is a challenge for consumers not familiar with shopping for insurance online. People have so many companies to choose from that it can quickly become a real challenge to find lower rates.

You should make it a habit to get comparison quotes periodically due to the fact that insurance rates are usually higher with each renewal. Despite the fact that you may have had the best deal on RC 350 insurance a year ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the quickest ways to buy cheaper auto insurance.

The best way to compare insurance rates from multiple companies is to understand almost all companies actually pay money for the chance to compare their rates. All you need to do is provide a little information including if you lease or own, if a SR-22 is required, coverage limits, and the make and model of your vehicles. That information gets sent immediately to multiple insurance providers and they return quotes within a short period of time.

To start a rate quote now, click here then complete the form.

Lots of discounts mean lots of savings

Auto insurance companies don’t always list every discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find insurance savings.

  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on RC 350 insurance than drivers with accidents.
  • Own a Home – Owning a house can help you save on insurance due to the fact that maintaining a home shows financial diligence.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Life Insurance – Larger companies have better rates if you take out life insurance.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Organization Discounts – Belonging to a civic or occupational organization could qualify you for a break on insurance on RC 350 insurance.

Consumers should know that most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies that may have these discounts may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not be offered everywhere.

Situations that might require an agent

When choosing coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Am I covered if I wreck a rental car?
  • How high should my medical payments coverage be?
  • When does my teenage driver need to be added to my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I missing any policy discounts?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Lexus RC 350 rates are in the details

It’s important that you understand the different types of things that come into play when calculating the rates you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that will entitle you to big savings.

The list below includes some of the factors auto insurance companies consider when setting prices.

  • Do you qualify for a multi-policy discount? – Some insurance companies will give a discount to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even though this discount sounds good, it’s still a good idea to shop around to ensure the best deal. Drivers may still find a better deal by buying insurance from more than one company.
  • Marriage pays dividends – Having a spouse can get you a discount on your auto insurance policy. Marriage is viewed as being more mature and it’s proven that drivers who are married are more cautious.
  • High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Lexus RC 350 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Your location is important – Choosing to live in less populated areas can be a good thing when it comes to auto insurance. City drivers have to deal with much more traffic and longer commute times. Lower population translates into fewer accidents and a lower car theft rate.
  • More miles equals more premium – The more you drive in a year’s time the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage get more affordable rates than those used for commuting. Improper usage on your RC 350 can result in significantly higher rates. Make sure your auto insurance policy is showing the correct driver usage.
  • Extra coverages can waste money – There are a ton of extra coverages that can waste your money when buying auto insurance. Insurance for vanishing deductibles, accident forgiveness and additional equipment coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.

Switch companies and save? Really?

Companies like GEICO, State Farm and Progressive continually stream ads on television and other media. All the ads have a common claim of big savings after switching to their company. But how can every company make the same claim?

All the different companies are able to cherry pick for the right customer they prefer to insure. For instance, a desirable insured could be between 25 and 40, insures multiple vehicles, and has great credit. A driver who meets those qualifications will get the preferred rates and as a result will probably save when switching.

Potential customers who don’t measure up to these standards will be quoted higher premiums and ends up with the customer not buying. The ad wording is “customers that switch” not “people who quote” save that much. This is how companies can make the claims of big savings. This emphasizes why drivers must compare as many rates as you can. It’s not possible to predict which insurance companies will give you the biggest savings on Lexus RC 350 insurance.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverage protection

This coverage pays for damage to your RC 350 resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a mailbox, colliding with a tree, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Lexus RC 350.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as rehabilitation expenses, prosthetic devices, EMT expenses and doctor visits. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as funeral expenses, emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, fire damage and theft. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Get your money’s worth

When you buy insurance online, never reduce coverage to reduce premium. In too many instances, an insured cut comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

People switch companies for many reasons like high prices, high rates after DUI convictions, denial of a claim or even lack of trust in their agent. It doesn’t matter what your reason, choosing a new company is not as hard as you think.

We just showed you a lot of information how to shop for 2015 Lexus RC 350 insurance online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from the least-expected company.

To learn more, feel free to browse the articles below:

Use our FREE quote tool to compare rates now!

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Enter your zip code below to view companies that have cheap auto insurance rates.

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