2016 Lexus RC F Insurance Cost – 7 Ideas for Cheapest Prices

Searching for low-cost insurance for a new or used Lexus RC F can turn out to be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to shop for auto insurance so we’re going to tell you the quickest way to compare rates for a new or used Lexus and locate the cheapest rates from both online companies and local agents.

You should make it a habit to take a look at other company’s rates on a regular basis because prices are variable and change quite frequently. Despite the fact that you may have had the best rate on RC F insurance at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to learn the quickest way to get good coverage at a lower rate.

Compare free car insurance rate quotes

Cutting your car insurance rates isn’t really that difficult. Just invest a few minutes comparing rate quotes to discover which company has the cheapest car insurance quotes. Insurance prices can be quoted by using one of the methods below.

  1. The simplest way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for multiple quote forms for each company you want a rate for. A single, simple form will return quotes from all major companies. This is by far the quickest method.
  2. A slightly less efficient method to compare rate quotes is spending the time to visit each company website and fill out their own quote form. For instance, we’ll pretend you want to compare prices for USAA, GEICO and Liberty Mutual. To get rate quotes you would need to navigate to each company’s site and repeatedly enter your information, which is why most consumers use the first method.

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

Compare rates however you want, just do your best to enter nearly identical information with every price quote. If you have different values for each quote then you won’t be able to find the best deal for your Lexus RC F.

Cut your car insurance rates with these seven discounts

Auto insurance companies don’t always list all possible discounts in an easy-to-find place, so the list below contains both the well known as well as the least known discounts that you can inquire about if you buy car insurance online.

  • Driving Data Discount – Drivers who agree to allow their company to monitor driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they are good drivers.
  • College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have a car may be insured at a cheaper rate.
  • Defensive Driver Discounts – Taking part in a safe driver class could save 5% or more if you qualify.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations could trigger savings when getting a car insurance quote.
  • ABS Brakes – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions so companies give up to a 10% discount.
  • Paperwork-free – Some car insurance companies will give a small break for buying your policy online.
  • Passive Restraints – Factory options such as air bags or automatic seat belts could see savings of 20 to 30 percent.

Drivers should understand that many deductions do not apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like you could get a free car insurance policy, companies don’t profit that way.

A few of the larger companies and their possible discounts are shown below.

  • Progressive has discounts for multi-policy, homeowner, continuous coverage, good student, online quote discount, multi-vehicle, and online signing.
  • GEICO offers premium reductions for multi-policy, military active duty, five-year accident-free, seat belt use, multi-vehicle, defensive driver, and federal employee.
  • State Farm includes discounts for good driver, good student, multiple autos, anti-theft, passive restraint, and multiple policy.
  • Esurance may offer discounts for homeowner, anti-theft, good student, online shopper, and Pac-12 alumni.
  • The Hartford offers discounts for bundle, good student, anti-theft, driver training, air bag, and defensive driver.

When quoting, ask every insurance company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area. If you would like to see a list of car insurance companies that provide some of the discounts listed above, click this link.

You are unique and your car insurance should be too

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique.

For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Where can I find high-risk insurance?
  • How can I force my company to pay a claim?
  • When should I not file a claim?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is upholstery damage covered by car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does insurance cover damages from a DUI accident?
  • How do I file an SR-22 for a DUI in my state?
  • What is high-risk coverage and where do I buy it?

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

Insurance policy coverages for a 2016 Lexus RC F

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Collision insurance

Collision insurance pays for damage to your RC F caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, hitting a parking meter, colliding with another moving vehicle, rolling your car and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Lexus RC F.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, hail damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like funeral expenses, bail bonds, legal defense fees, loss of income and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like ambulance fees, EMT expenses, pain medications, nursing services and funeral costs. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Be Smart and Buy Smart

When searching for inexpensive car insurance quotes, you should never skimp on coverage in order to save money. In many instances, consumers will sacrifice collision coverage and learned later they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, unfair underwriting practices, questionable increases in premium and even not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

We’ve covered some good ideas how you can reduce 2016 Lexus RC F insurance prices online. The key concept to understand is the more companies you get rates for, the higher your chance of finding cheaper car insurance. Consumers may even find the lowest prices are with the smaller companies.

More detailed insurance coverage information can be read at these sites: