Compare 2024 Lexus RC 350 Insurance Cost

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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 lower insurance coverage rates for your Lexus RC 350? Are you overwhelmed by the crazy number of insurance coverage providers? Many other people are too. drivers have so many providers available that it can easily turn into a real hassle to find better premium rates.

How to compare free insurance coverage quotes

To get cheap car insurance quotes, there a variety of ways to compare rate quotes from local insurance coverage companies. The quickest method to find competitive 2024 Lexus RC 350 insurance rates is to jump online and get quotes. This can be accomplished in just a few minutes using one of these methods.

  • Experts agree that the best way consumers can analyze rates is an all-inclusive rate comparison. This easy form keeps you from doing boring form submissions for every insurance coverage company. One form submission gets prices estimates from multiple low-cost companies. Just one form and you’re done.
  • A slightly less efficient method to analyze rates requires a trip to each company’s website and request a quote. For example, we’ll pretend you want to compare Progressive, Safeco and Travelers. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which can get old fast.

Whichever way you choose to compare rates, ensure you are comparing the same information with every price quote. If you use different data it will be impossible to find the best deal for your Lexus RC 350. Just slight variations in coverages may cause a big price difference. And when comparing insurance coverage rates, know that comparing all the rates in your area helps increase your odds of locating a lower rate than you’re paying now. Not every company does quotes online, so it’s important to also get rates from them as well.

More discounts mean lower-cost premiums

Some insurance providers do not list all available discounts very well, so below is a list some of the more common and the more hidden credits that you can use to lower your rates.

  • Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for RC 350 coverage than drivers with accident claims.
  • Multi-car Discount – Purchasing coverage when you have multiple vehicles with the same auto insurance company could earn a price break for each car.
  • Own a Home and Save – Owning a house can save a few bucks since owning and maintaining a home requires personal responsibility.
  • Senior Discount – Seniors are able to get lower premium rates for RC 350 coverage.
  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
  • Telematics Devices – Policyholders that allow their insurance company to analyze vehicle usage by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if their driving habits are good.
  • Passenger Safety Discount – Factory options such as air bags may earn rate discounts up to 30%.
  • Government Employees – Having worked for a branch of the government may reduce rates when you quote car insurance for RC 350 coverage but check with your company.

You should keep in mind that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. Just because it seems like you could get a free auto insurance policy, you’re out of luck.

The best auto insurance companies and their possible discounts are:

  • State Farm offers premium reductions for anti-theft, defensive driving training, good student, driver’s education, accident-free, passive restraint, and multiple policy.
  • GEICO includes discounts for multi-vehicle, anti-lock brakes, anti-theft, driver training, and military active duty.
  • Liberty Mutual may have discounts that include newly retired, new vehicle discount, exclusive group savings, new move discount, newly married, multi-car, and multi-policy.
  • The Hartford has discounts for bundle, air bag, defensive driver, good student, and vehicle fuel type.
  • MetLife has savings for good student, good driver, multi-policy, accident-free, and defensive driver.
  • Progressive offers discounts including multi-vehicle, good student, homeowner, continuous coverage, multi-policy, online quote discount, and online signing.

When comparing rates, check with each insurance company to apply every possible discount. Some credits may not be offered in every state. To see a list of auto insurance companies that offer discounts, enter your zip code here.

It’s not one size fits all

When buying the best insurance coverage coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions can help discover if your situation might need an agent’s assistance.

  • How does medical payments coverage work?
  • Does my policy pay for OEM or aftermarket parts?
  • Why do I need rental car insurance?
  • Is my nanny covered when driving my vehicle?
  • Is my trailer covered?
  • Am I covered if I drive in a foreign country?
  • Is my 2024 Lexus RC 350 covered for flood damage?
  • Is my camper covered by my car insurance policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • If my pet gets injured in an accident are they covered?

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 insurance agent. If you don’t have a local agent, fill out your zip code.

Why your insurance premiums might be higher

Part of the auto insurance buying process is learning the different types of things that help calculate auto insurance rates. If you understand what impacts premium levels, this helps enable you to make changes that could result in much lower annual insurance costs. Many things are considered when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but other criteria are not quite as obvious like your continuous coverage and annual miles driven.

The items below are some of the major factors companies use to determine your rate level.

  • Liability coverage safeguards assets – The liability coverage on your policy will provide protection in the event that you are found liable for damages caused by your negligence. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive compared to physical damage coverage, so do not cut corners here.
  • Do you know you’re credit history? – Having a good credit score is a big factor in determining what you pay. Insureds with excellent credit tend to file fewer claims as compared to drivers with poor credit. If your credit rating is not that good, you may save money insuring your 2024 Lexus RC 350 by improving your rating.
  • Lower rates come with age – Drivers with little experience have been known to be easily distracted behind the wheel and because of this, their auto insurance rates are much higher. Older drivers are proven to be safer behind the wheel, cost insurance companies less in claims and get fewer tickets.
  • Filing auto insurance claims can increase rates – If you frequently file small claims, you should expect much higher rates or policy non-renewal. Auto insurance companies award cheaper rates to people who are claim-free. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Companies want multiple policies – Most major auto insurance companies will award discounts to insureds that purchase more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, you still need to compare rates to ensure the best deal. Drivers may still save even more even if you insure with multiple companies.
  • Vehicle options can affect auto insurance rates – Purchasing a vehicle with a theft deterrent system can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.

Car insurance myths debunked

Popular car insurance providers such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make an identical promise that you’ll save big after switching your car insurance policy to them. How does every car insurance company claim to save you money? Here is the trick they use.

All companies look for specific characteristics for the driver that will add to their bottom line. A good example of a profitable customer might be married and over the age of 30, has had continuous coverage, and drives a lower-performance vehicle. Anyone who fits those characteristics will get the preferred rates and most likely will save if they switch.

Potential insureds who don’t measure up to these standards will probably be forced to pay higher premiums which translates to the customer buying from someone else. The trick is to say “customers that switch” not “everyone who quotes” save that much when switching. That’s why insurance companies can lure you into getting a quote.

This emphasizes why you really should compare price quotes frequently. Because you never know which car insurance company will fit your personal profile best.

Auto insurance coverages

Understanding the coverages of car insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like ambulance fees, EMT expenses and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2024 Lexus RC 350.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are identical to your policy’s liability coverage.

Liability auto insurance – Liability coverage protects you from damages or injuries you inflict on people or other property. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, funeral expenses and bail bonds. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision – This covers damage to your RC 350 from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding, rock chips in glass, damage from a tornado or hurricane and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

The best insurance company isn’t always the cheapest

Drivers change insurance companies for any number of reasons including high prices, not issuing a premium refund, questionable increases in premium and even delays in paying claims. It doesn’t matter why you want to switch finding the right insurance coverage provider can be less work than you think.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured dropped uninsured motorist or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

Budget-friendly insurance coverage is attainable from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies may not provide rate quotes online and usually these small insurance companies prefer to sell through local independent agents.

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