View 2018 Lexus RC 350 Car Insurance Cost 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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Looking for better insurance rates? Shoppers have options when shopping for the lowest priced Lexus RC 350 insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to make rate comparisons. There is a better way to buy insurance and we’ll show you the best way to get price quotes for a new or used Lexus and get the lowest possible price from local insurance agents and online providers.

It’s smart to shop coverage around as often as possible because insurance prices are constantly changing. Even if you got the best price on RC 350 insurance a couple years back there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you’re going to learn one of the best ways to properly buy coverages and cut your premium.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you should be able to cut costs considerably using these techniques. Consumers only need to know the most efficient way to compare rates over the internet.

How much is car insurance?

There are a variety of methods to compare car insurance prices but some are more efficient than others. You can waste hours talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get the quickest rates.

Most of the best insurance companies take part in a program where prospective buyers submit one quote, and each participating company then returns a price quote. This eliminates the need for quote requests to every company.

To participate in this free quote system, enter your zip code here.

The single downside to using this type of form is you are unable to specify which carriers you will receive quotes from. So if you want to choose from a list of companies to compare, we have assembled a list of low cost car insurance companies in your area. Click to enter zip code for insurance companies.

It’s your choice how you get your quotes, but try to use equivalent deductibles and coverage limits for every quote you compare. If each company quotes different limits and deductibles on each one you will not be able to find the best deal for your Lexus RC 350.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t ignore all the ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to have a common claim about how much you will save just by moving your auto insurance policy to them.

How does every auto insurance company say the same thing? It’s all in the words they use.

All the different companies require specific criteria for the type of insured they prefer to insure. For example, a preferred risk might be described as between 25 and 40, has a clear driving record, and chooses high deductibles. Someone who matches that profile will most likely get cheap rates and as a result will probably cut their rates substantially.

Potential customers who fall outside the requirements will have to pay higher premium rates and this can result in the prospect going elsewhere. The ads say “drivers who switch” not “everyone who quotes” save that much. That’s why insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, drivers must compare quotes as often as possible. Because you cannot predict which auto insurance company will have the lowest rates.

Get cheap insurance rates with discounts

Car insurance is not cheap, but you might already qualify for some discounts that could drop your premiums quite a bit. A few discounts will be applied when you complete an application, but a few need to be inquired about before being credited.

  • Discount for Life Insurance – Larger insurance companies have a lower rate if you buy life insurance.
  • Good Student – Being a good student may save you up to 25%. Earning this discount can benefit you until age 25.
  • Multi-car Discount – Buying a policy with multiple cars with one company can reduce rates for all insured vehicles.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on RC 350 insurance with select insurance companies.
  • Multiple Policy Discount – If you have multiple policies and insure them with the same company you may save at least 10% off all policies.
  • Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.
  • Driver Safety – Taking a defensive driving class could cut 5% off your bill and make you a better driver.
  • Service Members Pay Less – Being deployed in the military could trigger a small discount.
  • E-sign – A few companies will give a small break for signing up online.

One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Even though it appears adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will definitely reduce the amount you have to pay.

If you would like to see a list of insurance companies that offer some of these discounts, enter your zip code here.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my insurance cover my expensive audio equipment?
  • When would I need rental car insurance?
  • Where can I get insurance after a DUI in my state?
  • Should I have a commercial auto policy?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability coverage

This provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, bail bonds, legal defense fees and emergency aid. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Lexus RC 350.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like EMT expenses, chiropractic care, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, damage from flooding and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision coverage will pay to fix damage to your RC 350 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

At the end of the day…

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your strategy should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

In this article, we covered a lot of tips how to shop for 2018 Lexus RC 350 insurance online. It’s most important to understand that the more times you quote, the better likelihood of getting cheaper insurance coverage. You may be surprised to find that the best prices are with a smaller regional carrier.

People leave their current company for many reasons like extreme rates for teen drivers, denial of a claim, not issuing a premium refund or lack of trust in their agent. It doesn’t matter what your reason, finding the right insurance coverage provider is not as hard as you think.

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