2013 Lexus IS 350 Insurance Cost

Looking for the cheapest car insurance rates? Shoppers have options when shopping for the lowest priced Lexus IS 350 insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to find the lowest rates.

There is a better way to shop for car insurance and we’ll show you the best way to price shop coverage for your Lexus and get the lowest price from local insurance agents and online providers.

Consumers need to do rate comparisons occasionally because insurance prices are constantly changing. If you had the best rates for IS 350 coverage six months ago there is a good chance you can find better rate quotes now. Block out anything you think you know about car insurance because you’re about to learn one of the easiest ways to find the best coverage while lowering your premiums.

How to compare auto insurance price quotes

Finding cheap 2013 Lexus IS 350 auto insurance rates is not rocket science. Drivers just need to spend a few minutes on the computer comparing free insurance coverage quotes to see which company has cheap insurance coverage quotes. Price comparisons can be done in several different ways.

If you don’t have a lot of time, the easiest way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This style of form saves time by eliminating boring form submissions for every company. Taking the time to complete one form will get you rate comparisons from several companies. This is by far the quickest method.

A less efficient way to analyze rates requires a trip to each company website and request a quote. For example, let’s say you need rates from Nationwide, State Farm and Farmers. You would need to spend time going to each site individually and enter your information, which is why first method is reommended. To view a list of companies in your area, click here.

Compare rates however you want, just make sure you are using identical quote information for every quote you compare. If you use different values for each quote it will be nearly impossible to make a fair rate comparison.

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Get lower rates with these discounts

Auto insurance companies don’t always advertise all possible discounts very well, so the next list breaks down some of the best known and the more hidden discounts that you can inquire about if you buy insurance coverage online.

• Own a Home – Owning a house may trigger a policy discount on auto insurance since home ownership is proof that your finances are in order.
• Federal Government Employee – Simply working for the federal government could cut as much as 10% off for IS 350 coverage with select insurance companies.
• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and will save you 10% or more.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
• Student in College – Kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
• Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education in high school.

Keep in mind that most credits do not apply the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, you’re out of luck.

A list of auto insurance companies and some of their more popular discounts are detailed below.

• State Farm may include discounts for driver’s education, Steer Clear safe driver discount, anti-theft, passive restraint, accident-free, Drive Safe & Save, and good student.
• Geico may have discounts that include anti-theft, good student, five-year accident-free, emergency military deployment, and air bags.
• Allstate offers premium reductions for anti-lock brakes, EZ pay plan discount, new car, defensive driver, and anti-theft.
• SAFECO policyholders can earn discounts including drive less, teen safety rewards, teen safe driver, multi-car, anti-lock brakes, anti-theft, and accident prevention training.
• Farm Bureau includes discounts for renewal discount, safe driver, youthful driver, driver training, and multi-vehicle.
• Progressive offers discounts for online signing, continuous coverage, multi-vehicle, multi-policy, good student, and online quote discount.
• AAA offers discounts including education and occupation, good driver, AAA membership discount, anti-theft, multi-car, and multi-policy.

Before purchasing a policy, check with every insurance company which credits you are entitled to. Some discounts listed above might not be offered on policies in your area. To find insurers that offer multiple discounts, click this link.

Insurance coverage can be complex

When buying the best insurance coverage coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can help discover if you might need an agent’s assistance.

• What is roadside assistance coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Where can I get insurance after a DUI in my state?
• Are rental cars covered under my policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What discounts do I qualify for?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Lexus IS 350.

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. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

This can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like structural damage, bail bonds, funeral expenses, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision coverage covers damage to your IS 350 from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses for things like EMT expenses, prosthetic devices and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding, theft and a broken windshield. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

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A little work can save a LOT of money

In this article, we presented a lot of techniques to reduce 2013 Lexus IS 350 insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of getting affordable insurance coverage. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

Cheaper insurance coverage is attainable both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance coverage companies may not have the ability to get a quote online and most of the time these regional carriers sell through independent agents.

For more information, take a look at the following helpful articles:

• Young Drivers: The High Risk Years Video (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)

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