Cheap 2015 Lexus IS 350 Insurance Quotes

Looking for lower insurance coverage rates? Shoppers have lots of choices when shopping for the best price on Lexus IS 350 insurance. You can either spend your time calling around to compare prices or save time using the internet to find the lowest rates.

There is a right way and a wrong way to find insurance coverage online and we’ll show you the proper way to compare rates for your Lexus and locate the lowest possible price.

You should take the time to do rate comparisons periodically because prices are usually higher with each renewal. Even if you think you had the lowest quotes for IS 350 insurance two years ago you can probably find a better rate now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out how to use the internet to buy cheaper insurance coverage.

Don’t overlook these auto insurance discounts

Auto insurance is not inexpensive, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but some must be specifically requested before being credited. If you don’t get every credit possible, you’re paying more than you need to.

• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
• Multi-Vehicle Discounts – Drivers who insure several vehicles on one policy could earn a price break for each car.
• Passive Restraints and Air Bags – Options like air bags or automatic seat belts may earn rate discounts as much as 30%.
• Government Employee Discount – Active or retired federal employment could qualify for a slight premium decrease for IS 350 insurance with some auto insurance companies.
• Active Military Service – Being deployed in the military could be rewarded with lower rates.
• Good Student – Excelling in school could provide a savings of up to 20% or more. This discount can apply until age 25.
• Buy New and Save – Insuring a vehicle that is new can be considerably cheaper since newer vehicles have better safety ratings.
• Defensive Driving Course – Taking a class that teaches safe driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
• Senior Discount – Older drivers are able to get reduced rates for IS 350 insurance.

You can save money using discounts, but most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will definitely reduce the cost of your policy.

A partial list of companies that may offer quotes with some of the discounts shown above are:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Check with each company which discounts you may be entitled to. Savings might not be offered in your state. To find insurers with discount auto insurance rates, follow this link.

When to get professional advice

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

• Can I afford to buy a different vehicle if my 2015 Lexus IS 350 is totaled?
• What is high-risk coverage and where do I buy it?
• Where can I find DUI or SR-22 insurance?
• Does my policy pay for OEM or aftermarket parts?
• Is my cargo covered for damage or theft?
• Should I buy full coverage?
• What can I do if my company denied a claim?
• Does liability extend to a camper or trailer?
• When would I need additional glass coverage?
• When should my teen driver be added to my policy?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Car insurance coverages for a 2015 Lexus IS 350

Understanding the coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses like EMT expenses, prosthetic devices and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, attorney fees, repair bills for other people’s vehicles, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage 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 insurance covers claims such as a broken windshield, a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus IS 350.

Since many drivers 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. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision insurance

This coverage pays for damage to your IS 350 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, hitting a mailbox, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Better coverage you can count on

Drivers switch companies for a variety of reasons including lack of trust in their agent, not issuing a premium refund, denial of a claim or even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. Too many times, an accident victim reduced liability coverage limits only to regret that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at an affordable rate.

The cheapest 2015 Lexus IS 350 insurance is possible on the web as well as from independent agents, and you need to price shop both to have the best selection. There are still a few companies who may not have internet price quotes and many times these smaller companies sell through independent insurance agencies.

To learn more, feel free to visit these articles:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• What is a Telematics Device? (Allstate)