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Lexus RC 350 Insurance Cost

You have lots of choices when shopping for car insurance for your Lexus vehicle. You can buy direct from your neighborhood insurance agent or go online to compare rates from car insurance companies. Comparing car insurance from online rate quotes can be fast and easy and at the same time you will probably save money.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. By far the easiest way to compare Lexus RC 350 insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence the rate you pay?

Insurance rates on a Lexus RC 350 will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance RC 350 vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • Your profession
  • Your coverage level
  • Whether you rent or own your home

One last important factor that can impact the rate you pay on your Lexus is the year of manufacture. Used vehicles have a reduced actual cash value so the cost to replace them may result in lower rates. On the flip side, more recent Lexus vehicles may have options like pedestrian detection, tire pressure monitors, and autonomous braking so those may lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your RC 350 from available model years below.

Liability insurance

This coverage will cover damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Lexus resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your Lexus RC 350 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper Lexus RC 350 insurance cost.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.

How Much are Lexus RC 350 Insurance Rates?