Cheap 2014 Lexus IS 350 C Car Insurance Cost

Drivers have options when trying to find affordable Lexus IS 350 C insurance. You can either waste hours driving around trying to get quotes or leverage the internet to find the lowest rates.

There are both good and bad ways to shop for car insurance and you need to know the absolute fastest way to price shop coverage for your Lexus and get the cheapest rates either online or from local insurance agents.

It’s a great practice to price shop coverage yearly because car insurance prices go up and down regularly. If you had the lowest rates for IS 350 C insurance a few years ago there may be better deals available now. There is a lot of bad information regarding car insurance on the web, but we’re going to give you some tested techniques to find cheap car insurance.

How much does insurance coverage cost?

There are a lot of ways to compare insurance coverage quotes, and some are less time-consuming than others. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can utilize the web to quickly compare rates.

All the larger companies take part in a program where prospective buyers complete one form, and every company can provide price quotes determined by their information. This eliminates the need for form submissions for every insurance coverage company.

To participate in this free quote system, click here (opens in new window).

The only drawback to doing it this way is you are unable to specify which insurance companies you will receive quotes from. So if you want to choose individual companies for rate comparison, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just double check that you are using identical deductibles and coverage limits on every quote. If you are comparing different limits and deductibles on each one you will not be able to determine the best price for your Lexus IS 350 C.

Do you qualify for discount car insurance?

Car insurance companies do not list their entire list of discounts very clearly, so here is a list a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy insurance coverage online. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

• Anti-theft System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.
• Resident Student – Older children who attend college more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
• Discount for Swiching Early – Some companies provide a discount for signing up early. This can save 10% or more.
• Discount for Life Insurance – If the company offers life insurance, you could get a lower price if you buy some life insurance too.
• Active Military Service – Having a deployed family member could qualify you for better car insurance rates.

Please keep in mind that most credits do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Companies and a selection of discounts are detailed below.

• State Farm offers discounts for anti-theft, student away at school, good driver, defensive driving training, multiple autos, safe vehicle, and good student.
• Farmers Insurance discounts include teen driver, switch companies, youthful driver, mature driver, and multi-car.
• Geico offers premium reductions for daytime running lights, multi-vehicle, federal employee, emergency military deployment, and anti-lock brakes.
• American Family may include discounts for early bird, defensive driver, accident-free, bundled insurance, mySafetyValet, Steer into Savings, and good student.
• Nationwide may have discounts that include good student, multi-policy, business or organization, accident-free, anti-theft, easy pay, and Farm Bureau membership.
• Progressive includes discounts for good student, multi-policy, continuous coverage, online quote discount, online signing, and multi-vehicle.

If you need lower rates, check with every company which credits you are entitled to. Discounts may not apply in your state. If you would like to choose from a list of car insurance companies with the best discounts, click here.

What insurance coverages do I need?

When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether or not you might need an agent’s assistance.

• Does having multiple vehicles earn me a discount?
• What if I total my 2014 Lexus IS 350 C and owe more than it’s worth?
• Will my insurance pay for OEM parts?
• Can my teen driver be rated on a liability-only vehicle?
• Will filing a claim cost me more?
• Should I buy full coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Specific coverages for a Lexus IS 350 C

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability coverage

This protects you from damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like bail bonds, legal defense fees, loss of income, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive insurance

This coverage pays for 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 insurance covers claims like hitting a deer, rock chips in glass, a broken windshield and damage from a tornado or hurricane. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Lexus IS 350 C.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liablity limits.

Collision protection

This coverage pays for damage to your IS 350 C caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses such as surgery, ambulance fees, dental work and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage