Want a free price quotes on low-cost car insurance rates in Philadelphia, PA? Philadelphia buyers have lots of choices when searching for the best price on Lexus RC F insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to find the lowest rates.
There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to get price quotes for your Lexus and locate the lowest possible price.
It’s smart to quote other rates at least once a year because prices trend upward over time. Despite the fact that you may have had the lowest quotes on Lexus RC F insurance in Philadelphia last year the chances are good that you can find a lower rate today. There is too much inaccurate information about RC F insurance online but you can learn the easiest ways to find cheap car insurance in Philadelphia.
If you’re already insured or just want to reduce your rates, you can follow these tips to buy cheaper auto insurance without reducing coverage. This information will familiarize you with how insurance works and also save some money in the process Drivers just need to know the least time-consuming way to buy auto insurance online from multiple companies.
Lowering your Lexus RC F insurance rates is pretty simple and can save money. You just have to spend a little time to get quotes provided by online insurance companies.
The providers in the list below are our best choices to provide comparison quotes in Philadelphia, PA. If multiple providers are shown, we suggest you click on several of them to get the lowest price.
Car insurance protects more than just your car
Despite the high insurance cost for a Lexus RC F in Philadelphia, maintaining insurance may be mandatory for several reasons.
- The majority of states have minimum mandated liability insurance limits which means the state requires a specific level of liability insurance in order to license the vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your RC F has a loan, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Lexus for a lot more money and force you to pay the higher premium.
- Car insurance preserves your Lexus and your assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Lexus as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. The average driver in America is wasting up to $869 every year so you should quote your policy with other companies at least once a year to help ensure money is not being wasted.
Lexus RC F insurance discounts in Philadelphia
Insuring your vehicles can cost a lot, but you might already qualify for some discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time of purchase, but a few need to be manually applied before they will apply.
- Military Rewards – Having an actively deployed family member could be rewarded with lower rates.
- Buy New and Save – Insuring a vehicle that is new may earn a small discount because new vehicles are generally safer.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and will save you 10% or more on RC F insurance in Philadelphia.
- Anti-lock Brake System – Cars and trucks equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
- Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
- Discount for Home Ownership – Owning a house in Philadelphia may earn you a small savings since owning and maintaining a home requires personal responsibility.
- Professional Memberships – Affiliation with a civic or occupational organization in Philadelphia could trigger savings on your next renewal.
Just know that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears you could get a free insurance policy, it’s just not the way it works.
A partial list of companies that possibly offer most of these discounts are:
Check with every prospective company the best way to save money. Some credits might not be offered in Philadelphia. For a list of companies with the best discounts in Philadelphia, click here.
Compare prices but buy from a local Philadelphia insurance agent
Some consumers just prefer to go talk to an agent and that is just fine! Experienced insurance agents are trained risk managers and help in the event of a claim. A good thing about comparing rate quotes online is that you can find cheaper premium rates but still work with a licensed agent. Buying from local insurance agents is especially important in Philadelphia.
Once you complete this quick form, the coverage information is submitted to local insurance agents who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home due to the fact that quote results will go straight to your inbox. If for some reason you want to compare prices from one company in particular, you can always visit that company’s website and give them your coverage information.
If you want local Philadelphia agents, it can be helpful to understand the types of agencies to choose from. Car insurance agents can be classified as either exclusive or independent. Both do a good job, but we need to point out how they are different because it may have an impact on your agent selection.
Independent Agents (or Brokers)
Independent agents do not sell for just one brand and that enables them to quote your coverage with many different companies and find the cheapest rate. If they quote lower rates, they can switch companies in-house and that require little work on your part.
When shopping rates, you will want to compare prices from at a minimum one independent agency so that you have a good selection of quotes to compare. Most also write with companies you’ve never heard of which could offer lower prices.
Below is a small list of independent agencies in Philadelphia that may be able to give comparison quotes.
- Rexach Insurance Agency
2932 N 5th St – Philadelphia, PA 19133 – (215) 229-6320 – View Map
- National Insurance Agency
2414 Rhawn St – Philadelphia, PA 19152 – (215) 332-1100 – View Map
- Gallo Insurance Agency
617 S 18th St – Philadelphia, PA 19146 – (215) 545-9500 – View Map
Exclusive Insurance Agents
Exclusive agents work for only one company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents cannot shop your coverage around so always compare other rates. They receive extensive training on their company’s products which can be an advantage. Consumers frequently use the same exclusive agent mostly because of high brand loyalty and the convenience of having all coverages with one company.
Below are exclusive agencies in Philadelphia who can help you get rate quotes.
- Wanda Dancy – State Farm Insurance Agent
2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390 – View Map
- Trish Floyd – State Farm Insurance Agent
7706 Castor Ave – Philadelphia, PA 19152 – (215) 725-3000 – View Map
- Paul Hoffman – State Farm Insurance Agent
2655 S 12th St – Philadelphia, PA 19148 – (215) 389-4737 – View Map
Selecting an car insurance agent is decision based upon more than just the quoted price. Get answers to these questions too.
- Will they take your side in the event of a claim?
- Will you get a loaner vehicle if you car is being repaired?
- How long has their agency been open in Philadelphia?
- Do you need full coverage on every vehicle?
- How often do they review coverages?
- Do they have a Better Business Bureau rating in Philadelphia?
- Are they giving you every discount you deserve?
- What kind of financial rating does the company have?
The coverage is in the details
Understanding the coverages of car insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Coverage for liability – Liability coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and property damage coverage for $5,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for claims such as attorney fees, pain and suffering and medical expenses. How much coverage you buy is your choice, but you should buy higher limits if possible. Pennsylvania state minimum liability requirements are 15/30/5 but drivers should carry more liability than the minimum.
The illustration below shows why buying the state minimum limits may not be adequate.
Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Lexus RC F.
Since a lot of drivers carry very low liability coverage limits (Pennsylvania limits are 15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible on your RC F to get cheaper collision coverage.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like doctor visits, dental work, ambulance fees, prosthetic devices and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible
Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as vandalism, hail damage, fire damage, theft and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Lower rates by being persistent
When shopping online for auto insurance, do not reduce coverage to reduce premium. In many cases, an insured cut comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best possible price while still protecting your assets.
We covered a lot of tips how to find cheaper Lexus RC F insurance in Philadelphia. It’s most important to understand that the more providers you compare, the higher your chance of finding inexpensive Philadelphia car insurance quotes. Consumers could even find that the best price on auto insurance is with the smaller companies.
Consumers leave their current company for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, high prices and even not issuing a premium refund. Whatever your reason, finding a new company can be easier than you think.
Additional detailed information is located in these articles:
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Real Estate Agents in Philadelphia? (FAQ)
- What Car Insurance is Cheapest for Safe Drivers in Philadelphia? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Property Damage Coverage (Liberty Mutual)