Cheapest Rate Quotes for Lexus SC 430 Insurance in Raleigh

Sick and tired of being strong-armed to insure your Lexus every month? You have the same problem as many other North Carolina drivers.

Discount Lexus SC 430 insuranceEveryone knows that auto insurance companies want to keep you from comparing rates. Insureds who shop around for cheaper prices will most likely buy a different policy because they have good chances of finding discount prices. A study showed that people who compared rate quotes regularly saved over $865 a year as compared to drivers who never shopped around.

If finding the best rates on insurance is your goal, then having a grasp of how to get rate quotes and compare car insurance can save time and make the process easier.

Steps to saving money on Lexus SC 430 insurance in Raleigh

Truthfully, the best way to find low-cost prices for Lexus SC 430 insurance in Raleigh is to start comparing rates regularly from companies in North Carolina.

One thing to remember is to use the same coverage limits and deductibles on each quote request and and to analyze every insurance company. This provides an accurate price comparison and a complete price analysis.

Numerous insurance companies battle to insure your vehicles, and it can be difficult to compare rates and get the definite lowest price on Lexus SC 430 insurance in Raleigh.

If you have a current car insurance policy, you will be able to reduce premiums using the following tips. Buying the cheapest car insurance in Raleigh can initially seem challenging. Although North Carolina drivers must comprehend the way insurance companies price insurance differently and use it to find better rates.

How much does Lexus SC 430 insurance in Raleigh cost?

Just remember that getting more free quotes will increase your chances of finding lower pricing. Some insurance companies are not set up to provide online rate quotes, so you should also compare prices from them, too.

The providers in the list below provide price comparisons in North Carolina. If you wish to find the best car insurance in NC, we recommend you click on several of them in order to find the cheapest rates.

Premium rates and analysis

The premium table displayed below highlights estimates of policy rates for Lexus SC 430 models. Having insight into how rate quotes are established can help you make smart policy decisions.


Lexus SC 430 Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SC 430 2-Dr Convertible $210 $394 $216 $12 $64 $896 $75
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in vehicle location which can change auto insurance rates considerably.

Physical damage deductibles: Should you raise them?

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The following tables can help you understand the difference in cost between low and high coverage deductibles. The first rate table uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.


Lexus SC 430 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SC 430 2-Dr Convertible $266 $498 $212 $12 $64 $1,077 $90
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Lexus SC 430 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
SC 430 2-Dr Convertible $216 $402 $212 $12 $64 $906 $76
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in specific location information which can raise or lower premiums substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $14 more each month or $168 annually than selecting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 18 months between claims, you would most likely save money if you decide on a higher deductible.

Liability only or full coverage

The example below illustrates the comparison of Lexus SC 430 premium costs with full coverage compared to only the North Carolina minimum liability coverage. The prices are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no other discounts are factored in.

When to stop buying full coverage

There is no exact formula of when to stop paying for full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Lexus SC 430 book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after you pay the deductible. If you are currently paying more than $500 annually for full coverage, then you might want to think about dropping full coverage.

There are some situations where eliminating full coverage is not in your best interest. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.

Get rate quotes but buy from a local Raleigh insurance agency

Many people would rather get advice from a local agent and that is a personal choice. An additional benefit of comparing rates online is the fact that drivers can get the lowest rates and still choose a local agent. Buying from local insurance agencies is definitely important in Raleigh.

Insurance agents in RaleighFor easy comparison, once you complete this quick form, your coverage information is transmitted to companies in Raleigh who will give competitive quotes for your business. You won’t even need to drive around because quoted prices will be sent immediately to your email address. You can find better rates AND an agent nearby. If for some reason you want to get a price quote from one company in particular, just go to their quote page and fill out their quote form.

The following are agents in Raleigh that may be able to provide comparison quotes for Lexus SC 430 insurance in Raleigh.


101 Weston Oaks CtCary, NC 27513(919) 828-4371View Map


8212 Creedmoor Rd #101Raleigh, NC 27613(919) 847-9774View Map

Vincent Boone – State Farm Insurance Agent
7850 Alexander Promenade PI #105Raleigh, NC 27617(919) 957-9009View Map


2308 Wake Forest RdRaleigh, NC 27608(919) 832-5832View Map

More Raleigh agents

Deciding on a insurer needs to be determined by more than just a cheap price. These are some questions you should get answers to.

North Carolina auto insurance companies

Finding a high-quality insurance provider can be rather challenging considering how many different companies there are to choose from in North Carolina. The company ratings shown below can help you choose which auto insurers you want to consider comparing rates with.

Top 10 Raleigh Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Raleigh Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance