2016 Lexus RC 300 Car 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 4, 2024

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I doubt anyone anticipates paying for auto insurance, especially knowing they could find better prices if they shop around. Vehicle owners have many car insurance companies to purchase coverage from, and although it’s nice to be able to choose, having more insurers makes it harder to compare rates and find the lowest cost auto insurance.

It’s a good habit to get comparison quotes yearly due to the fact that insurance prices are variable and change quite frequently. If you had the best rates for RC 300 coverage a few years ago other companies may now be cheaper. Ignore everything you know about auto insurance because it’s time to teach you the right way to find lower rates on auto insurance.

Finding the lowest cost protection is not that difficult. If you have insurance now or are just looking to switch companies, you can use this information to cut your premiums while maximizing coverage. Vehicle owners just need to learn the tricks to get comparison quotes over the internet.

The fastest way that we advise to compare insurance rates from multiple companies is to take advantage of the fact most of the larger companies have advanced systems to compare rate quotes. To get started, all you need to do is provide a small amount of information like an estimate of your credit level, if a SR-22 is needed, if your license is active, and if the vehicle is leased. The data is then submitted to insurance companies and they provide comparison quotes within a short period of time.

If you would like to compare rates now, click here and complete the form.

Get cheaper insurance coverage rates with discounts

Insurance coverage can be pricey, but there’s a good chance there are discounts that could drop your premiums quite a bit. A few discounts will automatically apply when you get a quote, but once in a while a discount must be specially asked for before being credited. If you do not double check each discount available, you are just wasting money.

  • Accident-Free Discounts – Insureds with no claims or accidents get the best insurance coverage rates when compared with frequent claim filers.
  • Telematics Discount – People who choose to allow driving data submission to spy on where and when they drive remotely like Allstate’s Drivewise may get a rate reduction if their driving habits are good.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.
  • Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety could save 5% or more and also improve your driving technique.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break on your policy.

Please keep in mind that many deductions do not apply to the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. So even though you would think you can get free auto insurance, companies wouldn’t make money that way.

Large insurance coverage companies and a selection of discounts are:

  • American Family offers discounts for accident-free, multi-vehicle, bundled insurance, good student, Steer into Savings, and early bird.
  • State Farm discounts include good driver, anti-theft, defensive driving training, Steer Clear safe driver discount, passive restraint, and multiple autos.
  • 21st Century has discounts for driver training, theft prevention, homeowners, automatic seat belts, early bird, and good student.
  • Travelers may have discounts that include multi-policy, multi-car, early quote, student away at school, new car, and home ownership.
  • GEICO may offer discounts for emergency military deployment, military active duty, anti-theft, membership and employees, federal employee, multi-policy, and five-year accident-free.

Check with every insurance company how many discounts you can get. Discounts may not apply to policyholders in your area. For a list of insurance companies who offer insurance coverage discounts, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine if your insurance needs may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Exactly who is provided coverage by my policy?
  • Is extra glass coverage worth it?
  • What is covered by UM/UIM coverage?
  • Am I covered when driving a rental car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I pay less for low miles?
  • Is my 2016 Lexus RC 300 covered for smoke damage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete your zip code. It’s fast, free and can help protect your family.

Cut insurance costs with these tips

Many factors are used when you quote your car insurance policy. Most are fairly basic such as traffic violations, although some other factors are less apparent such as your credit history or your vehicle rating. When buying car insurance it’s important to understand some of the elements that help determine your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that can help you get lower rates.

  • Theft deterrents save – Selecting a car model with advanced anti-theft systems can earn a premium discount. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft.
  • How many coverages with the same company – Most major car insurance companies apply lower prices to customers who buy several policies from them. It’s known as a multi-policy discount. Even with this discount, drivers will still want to shop around to guarantee you are still saving the most.
  • Extra coverages can cost a lot – There are a lot of additional coverages that you can buy if you aren’t diligent. Add-on coverages like vanishing deductibles, better glass coverage, and membership fees may be wasting your money. You may think they are a good idea when discussing your needs, but now you might not need them so get rid of them and save.
  • Liability limits on your policy – The liability coverage on your policy will protect you when you are ruled to be at fault for physical damage or personal injury to other. It will provide for a legal defense starting from day one. This coverage is relatively inexpensive compared to other policy coverages, so buy as much as you can afford.

Insurance coverage ads bend the truth

Consumers can’t get away from all the ads that promise big savings for switching from the likes of 21st Century, Allstate and State Farm. All the ads tend to make the same promise that you’ll save big if you change your policy.

How is it possible that every company can cost less than your current company? This is the way they can do it.

All companies have specific guidelines for the type of insured that earns them a profit. A good example of this type of risk profile could possibly be a married male, has no driving citations, and drives a safe vehicle. Any customer that matches those criteria receives the best prices as well as save when they switch companies.

Consumers who don’t measure up to those criteria will have to pay higher premium rates and this results in business going elsewhere. The ads say “people that switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can make claims that they all have the best prices.

Because of these techniques, you really should compare price quotes frequently. It’s just not possible to know the company that will give you lower premium rates than your current company.

Car insurance 101

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on most auto insurance policies.

Collision coverage protection

Collision coverage covers damage to your RC 300 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with a tree, sustaining damage from a pot hole, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a deer, falling objects, rock chips in glass and hitting a bird. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for surgery, rehabilitation expenses, nursing services and funeral costs. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible


Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, court costs, medical expenses and structural damage. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Lexus RC 300.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Quote more. Save more.

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. In many cases, someone sacrificed uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your goal is to purchase plenty of coverage at the lowest possible cost.

Discount 2016 Lexus RC 300 insurance can be sourced on the web as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer rates over the internet and many times these smaller companies work with independent agents.

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