2010 Lexus IS 350 C Insurance Rates – 7 Ways to Save

Are you regretting buying overpriced insurance coverage? It’s a common feeling and there are many consumers feeling the pinch from expensive insurance coverage. Drivers have so many insurers to pick from, and even though it’s nice to have a choice, it can be more difficult to find the lowest rates.

How to find affordable auto insurance

Getting a cheaper price on 2010 Lexus IS 350 C insurance is pretty simple and can save money. All that’s required is to take a few minutes comparing price quotes to find out which insurance company has cheap car insurance quotes. It is quite easy and can be accomplished by following the guidelines below.

Probably the best way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This style of form prevents you from having to do separate quotes for each company you want a rate for. In just a few minutes this one form compares rates from auto insurance companies with the best prices.

Another way to compare rate quotes requires a visit to the website for each individual company and fill out their own quote form. For example, we’ll pretend you want comparison quotes from Progressive, Farmers and GMAC. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but make sure you use nearly identical coverages and limits for every quote you compare. If you enter mixed coverages you can’t possibly determine which rate is truly the best.

Discount car insurance rates

Car insurance is expensive, but there’s a good chance there are discounts that you may not even be aware of. Most are applied when you quote, but some must be asked about in order for you to get them.

  • Bundled Policy Discount – When you combine your home and auto insurance and insure them with the same company you could earn a discount of approximately 10% to 15%.
  • Passive Restraints – Factory options such as air bags may earn rate discounts of 20 to 30 percent.
  • College Student Discount – Any of your kids who live away from home at college without a vehicle on campus could get you a discount.
  • Auto/Life Discount – Not all car insurance companies offer life insurance, but some may give you a discount if you purchase auto and life insurance together.
  • Driver’s Education for Students – Require your teen driver to sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Defensive Driver – Participating in a defensive driver course is a good idea and can lower rates if your company offers it.

As a sidenote, most credits do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Companies that have most of these discounts are:

Double check with every company which discounts you may be entitled to. Discounts may not be available in every state. If you would like to choose from a list of insurers with significant discounts, follow this link.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • Why am I required to buy liability insurance?
  • What if I don’t agree with a claim settlement offer?
  • How much liability do I need to cover my assets?
  • When should I drop full coverage on my 2010 Lexus IS 350 C?
  • How do I insure my teen driver?
  • Does my car insurance cover rental cars?
  • Is my custom paint covered by insurance?
  • What can I do if my company denied a claim?
  • What is the rate difference between pleasure use and commuting?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Lexus IS 350 C.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Collision coverage – This will pay to fix damage to your IS 350 C resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses like X-ray expenses, hospital visits, prosthetic devices, EMT expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability car insurance – This coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, loss of income and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, damage from flooding, rock chips in glass and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

And the best car insurance company is…

Lower-priced insurance can be sourced on the web and from local agencies, so you need to shop car insurance with both to get a complete price analysis. A few companies may not have internet price quotes and these small, regional companies prefer to sell through independent agencies.

You just learned many tips how you can reduce 2010 Lexus IS 350 C insurance premium rates online. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding affordable car insurance. Drivers may discover the lowest premium rates come from a small mutual company. They may only write in your state and offer lower prices than the large multi-state companies such as Geico and State Farm.

For more information, feel free to visit the following helpful articles:

Comments About 2010 Lexus IS 350 C Insurance

  1. Ivette Dalton

    I live on the west side of Huntington, West Virginia. Quoted with Auto-Owners, Erie, and Sentry for my 2010 Lexus IS 350 C and I think I saved about $40 each month. Even increased coverage a bit.

  2. Christopher Fitzpatrick

    I live in Buffalo, NY. I compared lots of rates. Saved darn near $70 a month. Progressive was the cheapest option for me.

  3. Noriko Mullins

    I live in Green Bay, WI. Quoted with Allstate, Amica, and Esurance for my IS 350 C and I’m now saving $65 a month. Not sure if rates are cheaper online or not.

  4. Dale Dotson

    Nice info. Located in Rapid City, SD. Received prices from Auto-Owners, Mercury, and Western Auto Insurance for my IS 350 C and saved about $430 a year. Left Nationwide to switch. I even had a DUI years ago. Online quotes are the way to go.