Compare 2013 Lexus IS 350 C Insurance Rates

Looking for the cheapest car insurance rates? Shoppers have options when shopping for the best price on Lexus IS 350 C insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to find the lowest rates. There is a right way and a wrong way to compare car insurance rates and we’ll show you the proper way to price shop coverage for your Lexus and get the lowest possible price.

Consumers need to quote other rates every six months because prices fluctuate regularly. If you had the best quotes for IS 350 C insurance a year ago a different company probably has better rates today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to quote online to find better coverage at a better price.

How to lower your insurance rates

It’s important that you understand some of the elements that go into determining the price you pay for car insurance. If you have some idea of what impacts premium levels, this allows you to make good choices that can earn you lower rates. Many factors are part of the equation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, although some other factors are more transparent such as your credit history and annual miles driven.

The itemized list below are a few of the things used by insurance companies to determine your rates.

• Don’t buy extra policy coverages that aren’t used – Insurance policies have a lot of optional add-on coverages that may not really be needed if you don’t pay attention. Insurance for things like personal injury protection, better glass coverage, and extra equipment coverage are probably not needed. They may sound like good ideas when talking to your agent, but your needs may have changed so remove them and pocket the money.
• Raising deductibles lowers premiums – Physical damage insurance, also known as collision and other-than-collision, covers your vehicle from damage. Examples of some claims that would be covered are a dented fender, collision with an animal, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket before your car insurance pays a claim. The more damage repair cost you choose to pay out-of-pocket, the better rate you will receive for IS 350 C insurance.
• Gender and car insurance rates – Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that women are BETTER drivers than men. Men and women cause accidents at a similar rate, but males have costlier accidents. In addition to higher claims, males also get more serious tickets like reckless driving and DUI.
• Discounts for married drivers – Your spouse may cut your premiums when buying car insurance. It generally demonstrates drivers are more mature than a single person it has been statistically shown that drivers who are married are more cautious.
• Tickets can be expensive – Having a clean driving record has a lot to do with how much you pay for insurance. Only having one chargable violation could increase your next policy renewal substantially. Attentive drivers receive lower rates as compared to those with violations. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
• Never go without car insurance – Allowing your car insurance policy to lapse can be a quick way to pay more for car insurance. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you fines or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Annual mileage and car insurance premiums – The higher the miles on your Lexus in a year the higher the price you pay to insure it. Many insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars not used for work or commuting can be on a lower rate level compared to those used for work or business. Having an incorrect usage rating on your IS 350 C is just wasting money. Double check that your policy shows how each vehicle is driven.

These discounts can lower your insurance quotes

Auto insurance companies do not list all disounts very well, so we took the time to find a few of the more well known and the more hidden discounts that you can inquire about if you buy insurance coverage online.

• Defensive Driver – Passing a class that teaches driver safety techniques is a good idea and can lower rates depending on where you live.
• Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance coverage quote as opposed to frequent claim filers.
• Telematics Discount – Insureds that choose to allow driving data submission to scrutinize their driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as they are good drivers.
• Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less for IS 350 C insurance than drivers with accident claims.
• ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
• Early Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
• Online Discount – A few larger online companies provide a small discount simply for signing digitally online.
• New Car Discount – Putting insurance on a new car can save up to 30% since newer models have better safety ratings.
• Military Rewards – Being on active deployment in the military could be rewarded with lower premium rates.

As a sidenote, most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies who might offer these benefits include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

If you need cheap insurance coverage quotes, ask each company or agent which discounts you qualify for. Some credits may not apply in your area. To see insurance companies with the best insurance discounts, click this link.

Do you really save 40% when you switch?

Drivers constantly see and hear ads that claim the best rates by State Farm, Geico and Progressive. They all seem to seem to make the promise that you can save if you just switch to them.

Is it even possible that every company can sell you cheaper insurance coverage? This is the way they can do it.

All the different companies have an ideal profile for the type of customer that is profitable for them. An example of a preferred risk might be over the age of 40, has never had a claim, and insures a new vehicle. Any customer who matches those parameters is entitled to the best price and therefore will pay quite a bit less when switching companies.

Drivers who fall outside the “perfect” profile will be quoted higher premiums and the customer not buying. The ads state “customers who switch” not “all people who quote” save the amount stated. That is how insurance companies can make claims like that. Because of the profiling, you really need to get insurance coverage quotes as often as possible. It’s impossible to know which company will have the best rates.

Different people need different insurance coverage coverages

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions can help discover if you would benefit from an agent’s advice.

• Is business equipment covered while in my vehicle?
• Is a fancy paint job covered?
• Why am I required to buy high-risk coverage?
• How can I get high-risk coverage after a DUI?
• Can I still get insurance after a DUI?
• Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance

This coverage provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as repair costs for stationary objects, emergency aid, attorney fees and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, EMT expenses, prosthetic devices and surgery. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays for damage to your IS 350 C from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2013 Lexus IS 350 C.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Knowledge is power

As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.

We just showed you many ways to lower your 2013 Lexus IS 350 C insurance car insurance rates. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the most savings is with some of the smallest insurance companies.

Drivers who switch companies do it for many reasons like lack of trust in their agent, poor customer service, high rates after DUI convictions and policy cancellation. No matter why you want to switch, choosing a new company is easier than you think.

More learning opportunities

• What is a Telematics Device? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)