Compare 2017 Lexus RC 300 Insurance Quotes

Are you burned out from not being able to scrape enough together to make your auto insurance payment? You are no different than most other people.

Numerous car insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to find the absolute best price available.

You need to take a look at other company’s rates as often as possible since prices go up and down regularly. Even if you got the best deal for RC 300 insurance last year other companies may now be cheaper. There are lots of tips to save on auto insurance out there, but we’re going to give you some of the best techniques to find affordable auto insurance.

How to lower your insurance cost

When shopping for the cheapest insurance coverage quotes, there are a couple of ways to compare prices from local insurance companies. By far the easiest way to do a complete rate comparison consists of obtaining rate quotes online. This can be done in a couple minutes as outlined below.

  1. Without a doubt, the easiest way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing separate quote forms for each price estimate. Filling out one form gets insurance cost estimates direct from many companies.
  2. A more difficult way to compare rate quotes is to take the time to go to each company’s website to complete a price quote. For sake of this example, we’ll assume you want to view quotes from State Farm, Geico and Liberty Mutual. To do that, you would have to spend time on each company’s site and repeatedly enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The old school method to compare price estimates is driving to insurance agencies in your area. Buying insurance online makes this unnecessary unless you have a need for the trained guidance that only a licensed agent can provide. Some companies do allow you to compare online quotes but buy the policy through an agent.

Compare rates however you want, just make sure you are using exactly the same coverage information on every price quote you get. If you use higher or lower deductibles it will be next to impossible to make a fair comparison for your Lexus RC 300. Having just a slight variation in insurance coverages may result in large price differences. And when comparison shopping, quoting more helps locate lower pricing.

Drivers save money with these discounts

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be manually applied before being credited.

  • Student Discount for Driver Training – Require your teen driver to enroll and complete driver’s education as it can save substantially.
  • Discount for Good Grades – Getting good grades may save as much as 25% on a insurance coverage quote. Most companies allow this discount well after school through age 25.
  • Multi-car Discount – Insuring all your vehicles with the same car insurance company may reduce the rate for each vehicle.
  • Online Discount – A handful of insurance companies will give you a small discount get insurance coverage online.
  • Switch and Save Discount – Some companies give discounts for switching policies before your current coverage expires. You can save around 10% with this discount.
  • Driver Training Discounts – Taking a driver safety course could cut 5% off your bill and easily pay for the cost of the class.
  • Mature Driver Discount – If you qualify as a senior citizen, you may be able to get lower premium rates for RC 300 insurance.
  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more.

While discounts sound great, it’s important to understand that some of the credits will not apply the the whole policy. Most only cut individual premiums such as comp or med pay. If you do the math and it seems like you can get free auto insurance, that’s just not realistic.

For a list of car insurance companies that offer the discounts shown above, follow this link.

Special considerations

When buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • If my 2017 Lexus RC 300 is totaled, can I afford another vehicle?
  • Should I sign the liability waiver when renting a car?
  • Can I rent a car in Mexico?
  • Does medical payments coverage apply to all occupants?
  • If I drive on a suspended license am I covered?
  • Do I benefit by insuring my home with the same company?
  • Are there companies who specialize in insuring high-risk drivers?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Auto insurance policy coverages for a 2017 Lexus RC 300

Having a good grasp of your auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most auto insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as funeral costs, surgery, EMT expenses and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, fire damage, hitting a deer and a broken windshield. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision insurance pays for damage to your RC 300 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Lexus RC 300.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

This coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, loss of income, structural damage and bail bonds. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comments About 2017 Lexus RC 300 Insurance

  1. Dorian Madden

    Lots of useful info here. Proud to be from Cedar Rapids, IA. Not sure of all the companies but I ended up saving about $40 each month. Was with Mercury. I used their website to get prices.

  2. Polly Poole

    I’m in the south part of Kansas City, KS and for me Progressive had the lowest quote. Insured with Eastwood before. They have a lot of discounts available.

  3. Arla Silva

    Mine is so expensive. From north side of San Jose, California. Compared quite a few companies. Saved roughly $60 a month. State Farm was the cheapest option for me. I have several vehicles insured with them. It was easy to get rates.

  4. Leilani Lambert

    Live in the eastern part of Kansas City, Kansas. Got car insurance rates from AAA, MetLife, and USAA for my Lexus and saved $299 a year. They offer free online rate quotes.

  5. Clorinda Giles

    I got quite a few price quotes for a 2017 Lexus RC 300 in Denver, Colorado. Ended up at about $400 every six months with AIG Insurance. Ask about discounts. You can get a rate quote online.

  6. Hiroko Simmons

    What exactly does liability cover?

  7. Taina Flowers

    I found affordable 2017 Lexus RC 300 insurance from Allstate in Bismarck, ND.

  8. Herta Kent

    I’m in the south part of Bangor, ME. Got car insurance quotes from Auto-Owners, Eastwood, and Sentry for my 2017 Lexus RC 300 and I think I am saving around $20 each month. Insured with Eastwood before. Might find lower rates online.

  9. Zulema Vega

    I found pretty cheap rate quotes for a 2017 Lexus RC 300 in Columbus, GA. Ended up at roughly $390 every six months with Amica. Left Safeco to switch. I’m a pretty good driver though.

  10. Harold Donaldson

    I live just outside Springfield, Massachusetts. Quoted prices from AAA, Farmers, and MetLife for my 2017 Lexus RC 300 and saved just over $120 a year. I think they have home insurance too.

  11. Felisha Lowe

    I live just to the south of Baton Rouge, LA. Don’t remember every company but I ended up saving about $50 each month. Was with USAA. Just waiting to see how claims go.