2015 Lexus RC 350 Insurance Rates

Sick and tired of robbing Peter to pay Paul to insure your Lexus every month? You’re in the same situation as millions of other consumers. Multiple insurance companies compete for your insurance dollar, so it can be very hard to choose a company to get the lowest cost out there.

If you have a current auto insurance policy or need new coverage, you will benefit by learning to find the best rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers just need to understand the most efficient way to shop over the internet.

Save with discounts on Lexus RC 350 insurance

Companies don’t always publicize every discount very clearly, so here is a list both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you are throwing money away.

  • Low Mileage Discounts – Fewer annual miles on your Lexus can earn lower rates on the low mileage vehicles.
  • 55 and Retired – Older drivers may be able to get better insurance rates for RC 350 insurance.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • No Accidents – Drivers with accident-free driving histories pay much less when compared with drivers who are more careless.
  • Multiple Policy Discount – When you have multiple policies with the same company you may earn up to 20% off your total premium.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous.

For a list of insurers with the best insurance discounts, follow this link.

How to Get Auto Insurance Comparison Quotes

Getting a cheaper price on 2015 Lexus RC 350 insurance is not rocket science. Drivers just need to spend a few minutes to get quotes online from several insurance companies. This can be accomplished using a couple different methods.

The best way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This form saves time by eliminating separate quotes to each individual auto insurance company. Filling out one form compares rates instantly.

A different way to compare rate quotes is spending the time to visit the website for every company you want to comare and request a quote. For example, let’s say you want to compare rates from Allstate, State Farm and Farmers. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

The most time-consuming way of getting rate comparisons is to waste gas driving to local insurance agencies. The internet has reduced the need for local agents unless you want the trained guidance that only a license agent can provide. It is possible to find lower rates online and still use a local agent. We’ll cover that shortly.

Whichever way you use, ensure you’re using the exact same coverages and limits for each price quote. If your comparisons have higher or lower deductibles it will be impossible to truly determine the lowest rate.

Your Lexus RC 350 insurance rate is a complex equation

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that will entitle you to better auto insurance rates.

  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the protection if ever you are found to be at fault for damages caused by your negligence. Liability provides for a legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • A clean driving record saves money – Only having one citation can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers with severe tickets like DUI or reckless driving are required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Where do you drive? – Driving more miles in a year’s time the higher your rate. Almost all companies rate vehicles determined by how the vehicle is used. Cars left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage is showing the proper vehicle usage, because it can save money. If your policy improperly rates your RC 350 can cost quite a bit.
  • Marriage brings a discount – Having a spouse can get you a discount on your policy. Marriage usually means you are more responsible and it’s proven that married drivers get in fewer accidents.

Tailor your coverage to you

When it comes to choosing coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation could use an agent’s help.

  • Am I covered if hit by an uninsured driver?
  • Do I need to file an SR-22 for a DUI in my state?
  • How does medical payments coverage work?
  • Is my dog or cat covered if injured in an accident?
  • Is my 2015 Lexus RC 350 covered for flood damage?
  • Is my teen driver covered when they drive my company car?
  • What is medical payments coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Which is better, split liability limits or combined limits?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Specific coverages for a 2015 Lexus RC 350

Understanding the coverages of insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Coverage for liability – This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as court costs, attorney fees and medical services. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Lexus RC 350.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from a tornado or hurricane and hail damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses like prosthetic devices, chiropractic care, surgery and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This coverage covers damage to your RC 350 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Save your hard earned cash

We just presented some good ideas how you can lower your 2015 Lexus RC 350 insurance rates. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a smaller regional carrier. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

When trying to cut insurance costs, never buy less coverage just to save a little money. There have been many situations where someone dropped full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Much more information about insurance coverage is located at the links below