Looking for better insurance rates for your Lexus IS 350? Finding better insurance prices for a new or used Lexus IS 350 can be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are both good and bad ways to buy insurance and we’ll show you the proper way to get price quotes for your Lexus and locate the best price possible either online or from local insurance agents.
You need to compare prices before your policy renews since rates change quite often. Even if you got the lowest price on IS 350 coverage last year other companies may now be cheaper. Starting right now, block out anything you think you know about insurance because you’re going to get a crash course in how to quote online to find better rates and still maintain coverage.
Performing a rate comparison can be a daunting task if you don’t understand the best way to get rate quotes. You could waste a few hours talking to insurance companies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.
Most of the best insurance companies take part in a program that allows shoppers to submit one quote, and every company returns a competitive quote based on that information. This prevents consumers from doing quote requests to each individual car insurance company. To compare 2010 Lexus IS 350 rates now click to open in new window.
The one downside to getting quotes like this is you are unable to specify the insurers you want to price. So if you want to select from a list of companies to request quotes from, we put together a list of car insurance companies in your area. Click here to view list.
It doesn’t matter which method you choose, just make darn sure you compare exactly the same deductibles and coverage limits for every company. If you use mixed coverages it will be impossible to determine the lowest rate for your Lexus IS 350.
Companies that sell car insurance do not list all their discounts very well, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving. If you don’t get every credit you deserve, you are paying more than you should be.
It’s important to note that most credits do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, companies wouldn’t make money that way.
To see a list of insurers who offer car insurance discounts, click this link.
When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique.
These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.
Knowing the specifics of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.
Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses like prosthetic devices, X-ray expenses, nursing services, funeral costs and surgery. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus IS 350.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Collision coverage – This coverage will pay to fix damage to your IS 350 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as rolling your car, hitting a mailbox, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Comprehensive auto coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like a broken windshield, damage from getting keyed, vandalism, a tree branch falling on your vehicle and hail damage. The maximum amount 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 it’s probably time to drop comprehensive insurance.
Liability coverage – Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you against other people’s claims. 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. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability can pay for claims such as medical services, court costs and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.