2017 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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Trying to come up with a payment for expensive insurance can diminish your accounts and put the squeeze on your family’s finances. Comparing price quotes can save money and help to tighten up your finances.

With so many companies to choose from, it can be challenging to find a more affordable insurer.

Slash your car insurance rates with discounts

Car insurance is not cheap, but you may qualify for discounts that you may not know about. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be specifically requested before being credited. If you are not receiving all the discounts you qualify for, you’re just leaving money on the table.

  • Paper-free Discount – Many car insurance companies will discount your bill up to fifty bucks shop insurance online.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • Air Bag Discount – Vehicles with factory air bags may qualify for discounts of 25 to 30%.
  • No Accidents – Claim-free drivers have much lower rates when compared with drivers with a long claim history.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • ABS Brakes – Cars and trucks equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
  • Membership in Organizations – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates when shopping for car insurance.
  • Telematics Devices – Insureds that choose to allow driving data collection to spy on vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
  • Discount for New Cars – Putting coverage on a new car can cost up to 25% less because newer models keep occupants safer.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, that’s just not realistic.

Insurance companies that may offer policyholders most of these discounts are:

  • State Farm
  • Farmers Insurance
  • American Family
  • Nationwide
  • Progressive

It’s a good idea to ask each insurance company to give you their best rates. Some of the discounts discussed earlier may not apply to policies in your area.

Cheap car insurance rate quotes

Most companies allow you to get coverage price quotes on their websites. Getting quotes doesn’t take much effort as you just type in on the page. Once entered, the quote system requests credit information and your driving record and provides a quote based on the information you submitted. This makes it simple to compare prices but having to visit each company’s website and repetitively complete many quote forms gets old quite quickly. But it’s necessary to compare as many rates as possible in order to get the best price possible.

A better way to lower your car insurance bill is to use a quote form that analyzes rates from multiple companies. The form is fast, reduces the work, and makes quoting online much simpler. As soon as the form is sent, it is rated and you can choose any or none of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

To quickly find out how much you can save on car insurance, simply enter your zip code here and input your coverage information. If you have a policy now, it’s recommended you type in the coverage information identical to your current policy. This makes sure you will have rate quotes for the exact same coverage.

You are unique and your insurance coverage should be too

When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine if your situation may require specific advice.

  • When should my teen driver be added to my policy?
  • Should I have a commercial auto policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I still get insurance after a DUI?
  • Does coverage extend to Mexico or Canada?
  • Is rental equipment covered for theft or damage?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is the rate difference between pleasure use and commuting?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverage details

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Liability car insurance – This will cover damage that occurs to a person or their property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like attorney fees, bail bonds, structural damage, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy higher limits if possible.

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as hospital visits, chiropractic care, ambulance fees, dental work and surgery. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance pays for damage to your RC 350 from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, colliding with a tree, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, a broken windshield, hitting a bird and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Quote more. Save more.

We just presented a lot of techniques to get a better price on 2017 Lexus RC 350 insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting the cheapest insurance. Consumers may even find the best price on insurance coverage is with a smaller regional carrier. Some small companies may have significantly lower rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.

Lower-priced insurance coverage can be sourced online as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers do not provide online price quotes and most of the time these regional insurance providers only sell through local independent agencies.

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