Lower Your 2015 Lexus RC 350 Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 30, 2024

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Beginners to buying car insurance online may find locating cheaper insurance coverage is more work than they thought.

The method we recommend to get policy rate comparisons takes advantage of the fact most of the larger companies will pay a fee to provide you with a free rate quote. The only thing you need to do is provide a small amount of information such as whether your vehicle is owned or leased, what you do for a living, whether you are married, and if a SR-22 is required. The data gets transmitted to many highly-rated insurers and you should receive rate quotes very quickly.

To check Lexus RC 350 insurance prices now, click here and complete the form.

Are you getting every discount?

Companies offering auto insurance do not advertise all their discounts very well, so here is a list a few of the more well known and also the more inconspicuous discounts that you may qualify for. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts could see savings of 20% or more.
  • Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • No Charge for an Accident – Not really a discount, but companies like Allstate and State Farm permit an accident before your rates go up as long as you don’t have any claims before the accident.
  • Sign Early and Save – A few auto insurance companies give discounts for buying a policy before your current coverage expires. This can save 10% or more.
  • Defensive Driver Discount – Passing a class that teaches driver safety techniques could cut 5% off your bill if you qualify.
  • Braking Control Discount – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive so you can save 10 percent or more.
  • Student Discounts – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Discount for Life Insurance – Not all auto insurance companies offer life insurance, but some may give you a discounted rate on car insurance if you buy life insurance from them.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will lower the cost of your policy.

A few popular companies and some of their more popular discounts can be found below.

  • GEICO may include discounts for five-year accident-free, good student, multi-vehicle, seat belt use, defensive driver, and military active duty.
  • Travelers may offer discounts for student away at school, good student, IntelliDrive, hybrid/electric vehicle, driver training, home ownership, and continuous insurance.
  • Farm Bureau has savings for safe driver, multi-vehicle, youthful driver, driver training, multi-policy, renewal discount, and 55 and retired.
  • Liberty Mutual offers discounts for multi-car, newly retired, exclusive group savings, new vehicle discount, newly married, and good student.
  • American Family may have discounts that include Steer into Savings, accident-free, good student, defensive driver, and multi-vehicle.
  • Progressive offers discounts including multi-policy, multi-vehicle, online signing, good student, and homeowner.

When getting a coverage quote, ask each company to give you their best rates. Depending on the company, some discounts may not be available everywhere.

When in doubt talk to an agent

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving someone else’s vehicle?
  • Who is covered when they drive my 2015 Lexus RC 350?
  • Is my custom paint covered by insurance?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out your zip code.

Informed consumers can save money

When buying auto insurance it’s important to understand the factors that help calculate your premiums. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that could result in cheaper rates. Many things are used in the calculation when you get a price on insurance. Some are obvious like a motor vehicle report, although others are not quite as obvious like your continuous coverage or how safe your car is.

  • Fewer miles means better prices – The more you drive your Lexus in a year the more you will pay for auto insurance. The majority of insurers calculate prices partially by how you use the vehicle. Cars that sit idle most of the time receive lower rates than those that get driven frequently. It’s always a good idea to double check that your auto insurance coverage correctly shows the correct driver usage. An improperly rated RC 350 is throwing money out the window.
  • Teenagers vs. mature drivers – Youthful drivers tend to be more careless behind the wheel and because of this, their auto insurance rates are much higher. Adding a young driver to your auto insurance policy can cause a big jump in price. Older drivers are shown to be more cautious, tend to cause fewer accidents and are safer drivers.
  • Know your credit history – Having a good credit rating will be a significant factor in determining what you pay. Therefore, if your credit is not that good, you could pay less to insure your 2015 Lexus RC 350 by taking the time to improve your credit score. Consumers who have very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with worse credit.
  • Prices for men may be higher – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that males are worse at driving than females. Both sexes cause at-fault accidents at about the same rate, but men tend to have more serious accidents. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers cause the most accidents and therefore have the most expensive auto insurance rates.
  • Safer the car lower the rate – Vehicles that have high safety ratings can get you lower premiums. Vehicles built for safety protect occupants better and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Lexus RC 350 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Slick advertising tricks that work

Car insurance companies such as 21st Century, Allstate and State Farm consistently run ads on TV and radio. They all convey the message that drivers can save some big amount if you just switch your policy. It sounds good, but how can they all charge lower premium rates? It’s all in the numbers.

Car insurance companies quote their best rates for the type of customer that earns them the most money. A good example of a profitable risk profile should be a female over age 40, has a low-risk occupation, and drives less than 7,500 miles a year. Anyone who meets those qualifications will probably get the lowest rates and will save when switching.

Potential insureds who cannot meet the ideal profile will get more expensive rates and this can result in the customer buying from someone else. The ads say “drivers that switch” not “everyone that quotes” save that much when switching. That’s why companies can truthfully make claims like that.

Because of the profiling, you really need to compare quotes as often as possible. It’s just not possible to know the company that will have the lowest rates.

Auto insurance 101

Knowing the specifics of auto insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Lexus RC 350.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, hitting a parking meter, crashing into a ditch, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane, damage from getting keyed and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for dental work, ambulance fees, prosthetic devices, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Auto liability insurance

This coverage will cover damage that occurs to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as medical services, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Smart shoppers get results

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability coverage limits only to find out that it was a big mistake. Your objective should be to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

Some companies may not have the ability to get a quote online small insurance companies only sell through independent insurance agencies. Cheaper 2015 Lexus RC 350 insurance is attainable from both online companies and from local insurance agents, so you need to compare both to get a complete price analysis.

We covered some good ideas how you can compare 2015 Lexus RC 350 insurance car insurance rates online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the smaller companies.

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