Save on 2011 Lexus IS 350 C Car Insurance Quotes

Have you had enough of paying out the nose to insure your Lexus every month? You have the same problem as many other consumers. Insurance companies such as Allstate and Progressive constantly blast consumers with ad campaigns and consumers find it hard to ignore the flashy ads and find the best price available.

If you have insurance now or are just looking to switch companies, you can use this information to find better prices while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to know how to get comparison rates on the web.

Car Insurance Discounts

Companies that sell car insurance don’t list every policy discount in an easy-to-find place, so the list below contains both the well known as well as the least known ways to save on car insurance. If you do not double check each discount possible, you may be paying too high a price.

• Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you could save up to 5%.
• Telematics Discount – Drivers who agree to allow their insurance company to monitor their driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
• Student Discounts – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
• Cautious Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates for IS 350 C coverage compared to accident prone drivers.
• New Vehicle Savings – Putting car insurance coverage on a new car is cheaper because new model year vehicles keep occupants safer.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and earn discounts up to 10%.

You should keep in mind that most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Even though it appears adding up those discounts means a free policy, car insurance companies aren’t that generous.

The best car insurance companies and some of their more popular discounts are included below.

• State Farm may offer discounts for multiple policy, good driver, anti-theft, Drive Safe & Save, defensive driving training, accident-free, and multiple autos.
• Geico includes discounts for multi-vehicle, emergency military deployment, membership and employees, five-year accident-free, driver training, and multi-policy.
• SAFECO may include discounts for safe driver, teen safe driver, anti-lock brakes, bundle discounts, and drive less.
• Farmers Insurance offers premium reductions for switch companies, business and professional, alternative fuel, electronic funds transfer, early shopping, teen driver, and distant student.
• AAA offers discounts for good student, good driver, pay-in-full, multi-policy, AAA membership discount, education and occupation, and anti-theft.
• USAA discounts include loyalty savings, new vehicle, defensive driver, vehicle storage, and driver training.

If you need cheap insurance coverage quotes, ask all the companies the best way to save money. Savings might not be offered on policies in your state. For a list of insurers with discount rates, click here.

How much is insurance coverage?

Finding a better price on insurance coverage is pretty simple and can save money. All that’s required is to spend a few minutes to get quotes from different insurance companies. Shoppers can get rates using a couple different methods.

The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating repetitive form submissions for each company. Completing one form will return quotes from many national carriers.

A harder way to find more affordable insurance is to manually visit the website for each individual company and repeat the quote process. For example, we’ll pretend you want to compare prices for Liberty Mutual, 21st Century and Allstate. To do that, you would have to go to each individual site to input your insurance information, which can be really labor intensive.

For a handy list of car insurance company links in your area, click here.

The least efficient way to comparison shop rate quotes is going to insurance agents’ offices. The fact that you can get quotes online reduces the need to sit down with an agent unless your situation requires the peace of mind that only a licensed agent can provide. It is possible with some companies price shop your coverage online but still have the advice of a local agent.

Compare rates however you want, just do your best to use the exact same quote data for every company. If you enter different values for each quote you will not be able to make an equal comparison.

Components of your Lexus IS 350 C insurance prices

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for insurance coverage. When consumers understand what determines premiums, this allows you to make good choices that may result in lower insurance coverage prices.

Listed below are some of the most common factors that factor into prices.

• Prevent theft and lower rates – Owning a car with advanced anti-theft systems can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
• Eliminate incidental coverages – There are a ton of optional add-on coverages that you can get tricked into buying but may not be useful. Coverages for rental car reimbursement, towing, and term life insurance are probably not needed. They may sound like good ideas at first, but your needs may have changed so eliminate them to save money.
• Responsible drivers pay less – Having a clean driving record has a lot to do with how much you pay for insurance. Having a single ticket can bump up the cost by twenty percent. Attentive drivers pay lower auto insurance prices than their less careful counterparts. Drivers with severe tickets like DUI or willful reckless driving might be required by their state to complete a SR-22 with their state’s licensing department in order to legally drive a vehicle.
• Better premiums on cars with good safety ratings – Safer cars cost less to insure. Vehicles built for safety reduce injuries and fewer injuries means less claims paid which can result in lower premiums.
• Insurance coverage policy lapses increase premiums – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse for non-payment. And not only will insurance be more expensive, failure to provide proof of insurance could earn you a revoked license or a big fine.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

• Is my dog or cat covered if injured in an accident?
• Do I need replacement cost coverage on my 2011 Lexus IS 350 C?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does my insurance cover my expensive audio equipment?
• What can I do if my company won’t pay a claim?
• How much liability coverage do I need in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Do car insurance companies bend the truth?

Consumers constantly see and hear ads that claim the best auto insurance rates from the likes of Progressive, Allstate and Geico. All the ads try to convey promises that drivers can save some big amount if you switch to their company.

How can each company offer you a better deal? It’s all in the numbers.

Companies are able to cherry pick for the driver that will be a good risk. For example, this type of insured might be described as a female over age 40, has other policies, and has excellent credit. Anybody who meets those qualifications receive the lowest rate quotes and will most likely save money with a new company.

People who cannot meet these criteria may be required to pay higher premium rates which leads to the customer buying from a different company. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” save that much. This is how companies can truthfully claim big savings. This illustrates why it’s extremely important to compare many company’s auto insurance rates. It’s just not possible to know which insurance companies will have the lowest rate quotes.

Auto insurance coverages and their meanings

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Coverage for collisions

This coverage pays for damage to your IS 350 C resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, hitting a mailbox, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage

This protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like emergency aid, bail bonds, repair bills for other people’s vehicles, structural damage and medical services. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from flooding, hitting a deer, rock chips in glass and hitting a bird. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for X-ray expenses, nursing services, funeral costs, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2011 Lexus IS 350 C.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Have money to burn

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice liability coverage limits only to regret they didn’t have enough coverage. Your goal should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

Low-cost 2011 Lexus IS 350 C insurance is possible on the web and from local insurance agents, so you need to shop insurance coverage with both in order to have the best chance of saving money. Some car insurance companies do not offer rates over the internet and usually these smaller companies only sell through independent agencies.

Other information

• Distracted Driving (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)