2016 Lexus RC 300 Car Insurance Quotes – 6 Discounts for Best Rates

Looking for cheaper insurance coverage rates for your Lexus RC 300? Finding cheaper insurance for a new or used Lexus RC 300 could be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the proper way to quote coverages for a Lexus and locate the lowest price.

Buying car insurance is not rocket science. If you have insurance now or need new coverage, you can use these techniques to find better prices while maximizing coverage. Consumers just need to understand how to get comparison rates over the internet.

Earn discounts on insurance

Insuring your vehicles can cost a lot, but you can get discounts that could help you make your next renewal payment. Some discounts apply automatically at the time of quoting, but some need to be asked for before they will apply.

• Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease for RC 300 insurance with a few insurance companies.
• Seat Belt Discounts – Drivers who require all occupants to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.
• Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies permit an accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
• Responsible Driver Discount – Insureds without accidents can save up to 40% or more on their insurance quote for RC 300 insurance than less cautious drivers.
• Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems may get savings of up to 25% or more.

Remember that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

A few popular companies and some of their more popular discounts are included below.

• State Farm has savings for student away at school, good driver, driver’s education, anti-theft, and safe vehicle.
• Geico policyholders can earn discounts including multi-policy, membership and employees, air bags, driver training, and seat belt use.
• Allstate offers discounts for defensive driver, multi-policy, teenSMART discount, premier discount, senior citizen, and new car.
• SAFECO may include discounts for accident prevention training, anti-theft, homeowner, multi-car, anti-lock brakes, and safe driver.
• Farm Bureau discounts include youthful driver, 55 and retired, good student, multi-vehicle, and driver training.
• Progressive has discounts for multi-vehicle, online signing, good student, homeowner, multi-policy, continuous coverage, and online quote discount.
• AAA may offer discounts for pay-in-full, multi-policy, good driver, good student, education and occupation, anti-theft, and multi-car.

When quoting, ask each company or agent how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your state. If you would like to view providers who offer discounts, follow this link.

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Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

• I don’t drive much so do I pay less?
• What is the difference between comprehensive and collision coverage?
• What discounts do I qualify for?
• When would I need additional glass coverage?
• How much liability do I need to cover my assets?
• Am I covered if I hit a deer?
• Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Misconceptions in insurance advertisements

Drivers can’t escape the ads for cheaper insurance from the likes of State Farm and Allstate. All the companies say the same thing that drivers can save some big amount just by moving your policy.

How does every insurance company charge you less for car insurance? This is how they do it.

Insurance companies can use profiling for the type of driver they prefer to insure. For instance, this type of risk profile may be over the age of 50, has a clear driving record, and does not commute to work. Any new insured who matches that profile gets the lowest premium rates and will most likely save if they switch.

Potential customers who do not meet these stringent criteria may be required to pay higher prices and ends up with the customer buying from someone else. The ads state “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why companies can lure you into getting a quote. This illustrates why it is so important to compare rate quotes every year. Because you never know which insurance companies will fit you best based on your risk profile.

Insurance coverages 101

Knowing the specifics of your insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from getting keyed and vandalism. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance pays for damage to your RC 300 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability – Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims like structural damage, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like chiropractic care, dental work and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus RC 300.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

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Get your money’s worth

We just presented a lot of information how to lower your 2016 Lexus RC 300 insurance prices. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may discover the most savings is with a small mutual company.

Budget-friendly auto insurance is definitely available both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not offer online rate quotes and usually these regional insurance providers sell through local independent agents.

When searching for cheap insurance quotes, you should never skimp on coverage in order to save money. There are too many instances where someone dropped liability limits or collision coverage only to find out that it was a big error on their part. Your goal should be to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Helpful information

• Teen Driver Licensing Information (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Vehicle Insurance (Wikipedia)
• Distracted Driving (Insurance Information Insitute)

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