Lower Your 2017 Lexus RC 350 Insurance Cost

Beginners to comparing auto insurance rates online are likely to discover buying the cheapest insurance is harder than it needs to be.

You should make it a habit to compare prices periodically due to the fact that insurance prices change regularly. Just because you had the best price on RC 350 insurance last year the chances are good that you can find a lower rate today. There are a lot of ways to save on auto insurance out there, but we’re going to give you some tested techniques to quit paying high auto insurance rates.

These discounts can lower insurance coverage rates

Some insurers don’t list all possible discounts very clearly, so the following is a list of some of the best known and also the lesser-known credits that you can use to lower your rates.

• Discounts for Government Workers – Active or former government employment can save as much as 8% on RC 350 insurance with select insurance companies.
• Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase a life policy as well.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if it’s offered in school.
• Bundled Policy Discount – When you have multiple policies with the same insurance company they may give you a discount of at least 10% off all policies.
• Discounts for New Vehicles – Adding a new car to your policy can get you a discount because newer models have to meet stringent safety requirements.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. So when it seems like adding up those discounts means a free policy, it’s just not the way it works.

Large insurance coverage companies and a selection of discounts can be found below.

• Geico offers discounts including emergency military deployment, seat belt use, good student, driver training, federal employee, and multi-policy.
• Travelers may offer discounts for early quote, IntelliDrive, student away at school, new car, and good student.
• Nationwide offers premium reductions for defensive driving, good student, easy pay, accident-free, business or organization, and family plan.
• Farmers Insurance policyholders can earn discounts including switch companies, homeowner, good student, mature driver, multi-car, and early shopping.
• Esurance has discounts for good student, online quote, multi-car, emergency road assistance, and DriveSense.
• State Farm offers discounts for student away at school, defensive driving training, anti-theft, Steer Clear safe driver discount, and accident-free.
• Progressive may have discounts that include online signing, homeowner, multi-policy, good student, continuous coverage, multi-vehicle, and online quote discount.
• Mercury Insurance includes discounts for ease of repair, age of vehicle, low natural disaster claims, anti-theft, accident-free, multi-car, and good driver.

When comparing rates, check with each company or agent which discounts they offer. Discounts may not apply to policyholders everywhere. To locate companies with significant discounts, click here.

The best way to compare rate quotes is to know the trick car insurance companies pay for the opportunity to give you rate quotes. All you need to do is provide the companies a bit of rating information such as whether you are married, your job, your education level, and distance driven. Your insurance information is submitted instantly to insurance carriers in your area and you should receive rate quotes quickly.

When do I need an agent’s advice?

When buying the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether you will benefit from professional help.

• Am I covered when driving someone else’s vehicle?
• Who is covered by my policy?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is rental equipment covered for theft or damage?
• What are the financial responsibility laws in my state?
• If my pet gets injured in an accident are they covered?
• Is my business laptop covered if it gets stolen from my vehicle?
• How can I get my company to pay me more for my totalled car?
• Do all my vehicles need collision coverage?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Insurance policy specifics

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Liability car insurance

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, pain and suffering and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like surgery, funeral costs, EMT expenses, pain medications and ambulance fees. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This covers damage to your RC 350 from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Lexus RC 350.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Buy Smart and Save

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage and discovered at claim time that the savings was not a smart move. The aim is to buy enough coverage at a price you can afford, but do not skimp to save money.

We covered many tips how you can compare 2017 Lexus RC 350 insurance car insurance rates online. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. You may even find the biggest savings come from some of the smallest insurance companies.

A few companies may not provide online price quotes regional insurance providers work with independent agents. More affordable auto insurance is available both online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture.

More information can be found below:

• Distracted Driving Statistics (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)