Cheap 2021 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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Trying to find better auto insurance rates for your Lexus RC 350? Being forced to pay for overpriced auto insurance premiums can stress out your monthly budget and make it impossible to make ends meet. Performing a rate comparison can save money and help to make ends meet.

Companies like State Farm and GEICO continually bombard you with TV and radio ads and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Discounts to earn affordable car insurance rates

Companies offering auto insurance don’t always publicize their entire list of discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden ways to save on car insurance.

  • Theft Deterrent – Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% on RC 350 insurance depending on your car insurance provider.
  • Telematics Devices – Insureds who allow data collection to analyze driving patterns by installing a telematics device like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
  • Discount for Home Ownership – Being a homeowner can earn you a little savings due to the fact that maintaining a home shows financial diligence.
  • Discount for Passive Restraints – Cars that have air bags may earn rate discounts of 25 to 30%.
  • Active Service Discounts – Being deployed with a military unit could mean lower premium rates.
  • Multi-line Discount – Insurance companies who offer life insurance give better prices if you take out a life insurance policy as well.
  • Good Students Pay Less – This discount may save as much as 25% on a insurance quote. Earning this discount can benefit you well after school through age 25.
  • Paperless Signup – Some of the larger companies provide a small discount just for signing your application on their website.

Policy discounts save money, but most credits do not apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Insurance companies that may offer quotes with some of the discounts shown above are:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • AAA

When getting a coverage quote, ask each company or agent which discounts they offer. Some of the earlier mentioned discounts may not be available in every state. If you would like to choose from a list of insurance companies that offer some of these discounts, enter your zip code here.

Informed consumers know how to buy insurance coverage for less

Many different elements are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, but some are more transparent like your continuous coverage or your vehicle rating. A large part of saving on insurance coverage is knowing the factors that are used to determine your policy premiums. If you understand what determines premiums, this enables informed choices that could help you find lower premium levels.

  • Improve your credit rating and save – Having a bad credit score is likely to be a major factor in calculating your premium rate. If your credit rating can be improved, you could be paying less to insure your 2021 Lexus RC 350 if you clean up your credit. Consumers who have excellent credit tend to be less risk to insure than those with bad credit.
  • No coverage gaps is important – Not having insurance is a misdemeanor and insurance coverage companies will penalize you for letting your insurance lapse for non-payment. Not only will rates go up, being ticketed for driving with no insurance could earn you a license revocation or jail time. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • GPS tracking and theft deterrents lowers prices – Buying a car with a theft deterrent system can save you some money. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
  • Gender and insurance premiums – Over time, data shows that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Men and women are in at-fault accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving. Youthful male drivers generally have the highest accident percentage so they pay the highest premiums.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy additional glass protection?
  • Which companies will insure high-risk drivers?
  • Is my state a no-fault state?
  • Are split liability limits better than a combined single limit?
  • Do I need higher collision deductibles?
  • What vehicles should carry emergency assistance coverage?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete your zip code.

Auto insurance 101

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Coverage for collisions

Collision coverage covers damage to your RC 350 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, crashing into a building, scraping a guard rail, crashing into a ditch and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, falling objects and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability coverage will cover damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, surgery, nursing services and prosthetic devices. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

A tidy conclusion

We covered some good ideas how to get a better price on 2021 Lexus RC 350 insurance. It’s most important to understand that the more providers you compare, the better likelihood of getting the cheapest insurance. Drivers may discover the lowest rates are with a company that doesn’t do a lot of advertising. Smaller companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm and Allstate.

The cheapest 2021 Lexus RC 350 insurance can be purchased both online and with local insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some companies may not provide online quoting and usually these small, regional companies work with independent insurance agents.

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