2015 Lexus IS 350 C Insurance Rates – 9 Savings Tips

Finding the cheapest insurance for a new or used Lexus IS 350 C could be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to find car insurance online and we’ll show you the absolute fastest way to price shop coverage for a new or used Lexus and locate the cheapest rates.

You should take the time to compare prices before your next renewal because insurance prices are constantly changing. Just because you had the lowest rates for IS 350 C insurance six months ago a different company probably has better premium rates today. Block out anything you think you know about car insurance because you’re about to learn the right way to get good coverage at a lower rate.

Save a ton with these nine discounts

Auto insurance is not inexpensive, but there may be some discounts to help offset the cost. A few discounts will be applied when you purchase, but once in a while a discount must be manually applied prior to getting the savings.

• Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
• Telematics Devices – Insureds that choose to allow companies to monitor when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
• Government Employees – Employees or retirees of the government could qualify for a slight premium decrease for IS 350 C insurance with some auto insurance companies.
• ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
• Multiple Cars – Insuring multiple cars with the same auto insurance company qualifies for this discount.
• Active Service Discounts – Being deployed in the military may lower your prices slightly.
• Fewer Miles Equal More Savings – Driving less can earn lower prices on the low mileage vehicles.
• Memberships – Joining qualifying clubs or civic groups could earn you a nice discount on your next auto insurance statement.
• Multi-line Discount – Companies who offer life insurance give a discount if you purchase life insurance.

Please keep in mind that some credits don’t apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Some of the larger companies who might offer most of the discounts above include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Before purchasing a policy, check with every company how you can save money. Discounts may not be available in your area. To see insurers that offer many of these discounts, follow this link.

The quickest method we recommend to compare rates is to understand all the major auto insurance companies have advanced systems to give free rates quotes. The only thing you need to do is give the companies some data including your job, the type of vehicles you drive, level of coverage desired, and whether you have decent credit. Your details is automatically sent to all major companies and you receive quotes quickly.

To compare rates now, click here then complete the form.

What is the best insurance coverage?

When buying the best insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

• Is my nanny covered when driving my vehicle?
• Does car insurance cover theft of personal property?
• What are the best liability limits?
• How do I buy GAP insurance?
• Do I have coverage for damage caused while driving under the influence?
• Should I put collision coverage on all my vehicles?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance policy coverages for a Lexus IS 350 C

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision protection

Collision insurance will pay to fix damage to your IS 350 C resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, theft and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like rehabilitation expenses, funeral costs, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2015 Lexus IS 350 C.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for liability

Liability insurance can cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as court costs, repair costs for stationary objects, medical expenses and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Buy Smart and Save

You just read a lot of information how to get a better price on 2015 Lexus IS 350 C insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates are with a small local company.

When shopping online for insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced physical damage coverage and found out when filing a claim that it was a big mistake. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.

Some insurance companies may not provide the ability to get quotes online and many times these regional carriers work with independent agents. Affordable 2015 Lexus IS 350 C insurance is definitely available from both online companies in addition to many insurance agents, so you should compare both to get a complete price analysis.

Additional insurance information is located at the links below

• Side Impact Crash Tests (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)