2019 Lexus RC 350 Car Insurance Quotes in 2024

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

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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I can’t think of a single person who loves paying for car insurance, especially when they are aware that they are paying too much.

Many insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest rate possible.

Take advantage of every car insurance discount

Some companies don’t always list every discount available very well, so we break down both well-publicized in addition to some of the lesser obvious ways to save on car insurance.

  • Federal Government Employee – Federal government employees can save as much as 8% for RC 350 insurance with certain companies.
  • One Accident Forgiven – but some companies like GEICO, Progressive, and Allstate will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
  • Low Mileage Discounts – Fewer annual miles on your Lexus may enable drivers to earn cheaper rates.
  • Theft Deterrent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts could see savings of more than 20%.
  • Defensive Driver – Successfully completing a defensive driver class could cut 5% off your bill if you qualify.
  • Claim Free – Drivers who don’t have accidents pay less as opposed to frequent claim filers.
  • Own a Home and Save – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Policy Bundle Discount – If you can combine your home and auto policy and place coverage with the same company you could save approximately 10% to 15%.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. Most only cut individual premiums such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will definitely reduce your overall bill.

To view car insurance companies that have a full spectrum of discounts, enter your zip code here.

Compare insurance quotes

Shopping for lower insurance rates is a ton of work if you aren’t aware of the most efficient way. You can spend your afternoon driving to agents in your area, or you could use the internet to get prices fast.

Most of the best insurance companies belong to a marketplace that allows shoppers to submit their information once, and at least one company provides a quote determined by their information. This eliminates the need for quotation requests for each company.

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

The one downside to using this type of system is you are unable to specify the companies to get pricing from. If you would rather choose specific providers to compare rates, we have assembled a list of low cost insurance companies in your area. Click to enter zip code for insurance companies.

Which method you use is up to you, but do your best to enter identical coverage data for every quote you compare. If you enter higher or lower deductibles it will be nearly impossible to make an equal comparison. Even a minor difference in insurance coverages could skew the results. Just remember that comparing more quotes increases your odds of finding more affordable rates. Not every company allows you to get quotes online, so it’s important to compare rates from them, too.

Lower insurance rates with these tips

It’s important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. If you know what determines base rates, this enables you to make decisions that may reward you with big savings.

  • Incidental coverages that aren’t used – Policies have optional add-on coverages that can add up if you aren’t diligent. Insurance for roadside assistance, towing, and membership fees may be wasting your money. They may seem like a good idea at first, but if you’ve never needed them in the past remove them and pocket the money.
  • More traffic means higher claims – Being located in a small town has definite advantages when insuring your vehicles. Fewer drivers on the road means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities regularly have much more traffic and much longer commute distances. Spending more time driving statistically corresponds to a higher accident and claim rate.
  • Teenage drivers pay high rates – Youthful drivers tend to get distracted easily in a vehicle and because of this, their auto insurance rates are much higher. Older drivers are viewed as being more responsible, cause fewer claims and accidents and get fewer tickets.
  • Bundle home and auto and save – Lots of companies will award discounts to buyers that purchase more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even with this discount applied, you still need to check prices from other companies to confirm you are receiving the best rates possible. There is a good possibility that you can save more without the discount by insuring with multiple companies.
  • Vehicle options that lower rates – Buying a car with an alarm system can help bring down rates. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Tickets and citations cost more than a fine – Good drivers pay lower auto insurance prices compared to drivers with tickets. Only having one speeding ticket can bump up the cost forty percent or more. Drivers unfortunate enough to have multiple tickets such as DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Low mileage costs less – Driving more miles every year the higher your rate. Most companies charge rates partially by how you use the vehicle. Cars and trucks that sit idle most of the time can be on a lower rate level than those used for commuting. It’s always a good idea to double check that your auto insurance policy correctly shows how each vehicle is driven, because it can save money. An improperly rated RC 350 is throwing money out the window.

How to know if you need help

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions can aid in determining if you will benefit from professional help.

  • What companies insure drivers after a DUI or DWI?
  • Can I get a multi-policy discount?
  • Is my nanny covered when driving my vehicle?
  • How much liability insurance is required?
  • Which companies will insure high-risk drivers?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How can I get high-risk coverage after a DUI?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete your zip code.

Car insurance coverage information

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your 2019 Lexus RC 350.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, rock chips in glass, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This provides protection from injuries or damage you cause to other people or property. It protects you from legal claims by others, and does not provide coverage for 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. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, court costs, bail bonds and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as rehabilitation expenses, pain medications, prosthetic devices, hospital visits and nursing services. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision insurance

This pays for damage to your RC 350 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, damaging your car on a curb, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Save your hard earned cash

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In many cases, an insured dropped physical damage coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Affordable 2019 Lexus RC 350 insurance is definitely available from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best selection. There are still a few companies who don’t offer online quoting and most of the time these small, regional companies sell through local independent agencies.

Throughout this article, we presented many tips how you can reduce 2019 Lexus RC 350 insurance premium rates online. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. Drivers may discover the biggest savings come from the least-expected company. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

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