2014 Lexus IS 350 C Car Insurance Quotes – 7 Discounts for Best Rates

No one in their right mind likes paying for car insurance, especially knowing the prices are way too high.

Consumers have multiple auto insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find the best rates.

You need to do price comparisons yearly since insurance rates are adjusted regularly by insurance companies. Even if you got the best deal on IS 350 C insurance a year ago you will most likely find a better price today. Block out anything you think you know about car insurance because we’re going to demonstrate the right way to lower your rates without sacrificing coverage.

Earn discounts on insurance

Not many people think insurance is cheap, but you might already qualify for some discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but a few need to be asked about in order for you to get them.

• Multiple Cars – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
• Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
• Accident-Free Discounts – Good drivers with no accidents have much lower rates when compared to policyholders that have many claims.
• Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates on IS 350 C insurance than drivers with accident claims.
• Savings for New Vehicles – Buying a new car model can save you some money since new model year vehicles are generally safer.
• Early Signing – Select larger companies give a discount for signing up prior to your current policy expiration. Ten percent is about the average savings.
• Employee of Federal Government – Active or former government employment may reduce rates when you quote insurance on IS 350 C insurance with select insurance companies.

Keep in mind that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

A few popular companies and some of the discounts include:

• Progressive may include discounts for multi-policy, online quote discount, multi-vehicle, good student, online signing, and continuous coverage.
• The Hartford has discounts for driver training, defensive driver, vehicle fuel type, bundle, good student, air bag, and anti-theft.
• Mercury Insurance offers discounts including age of vehicle, multi-policy, type of vehicle, accident-free, and good driver.
• Geico policyholders can earn discounts including daytime running lights, membership and employees, five-year accident-free, emergency military deployment, and seat belt use.
• AAA has savings for good student, pay-in-full, multi-policy, anti-theft, AAA membership discount, and good driver.
• State Farm discounts include anti-theft, good student, defensive driving training, driver’s education, and accident-free.

Double check with every company how you can save money. Some of the earlier mentioned discounts may not apply everywhere. If you would like to choose from a list of companies who offer cheap insurance quotes, follow this link.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might help in determining whether you will benefit from professional help.

• Is my vehicle covered by my employer’s policy when using it for work?
• Where can I find DUI or SR-22 insurance?
• Am I covered when pulling a rental trailer?
• Should I waive the damage coverage when renting a car?
• Do I need roadside assistance coverage?
• What if I owe more than I can insure my car for?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Why do I need rental car insurance?
• Do I have coverage when making deliveries for my home business?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Having a good grasp of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Comprehensive auto coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, damage from getting keyed, rock chips in glass and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like pain medications, doctor visits, ambulance fees, surgery and chiropractic care. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 2014 Lexus IS 350 C.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Liability coverages – Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

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. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as attorney fees, medical expenses, repair bills for other people’s vehicles, court costs and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Get your money’s worth

You just read some good ideas how you can save on 2014 Lexus IS 350 C insurance. The most important thing to understand is the more companies you get auto insurance rates for, the better your comparison will be. You may even discover the lowest rates come from some of the smallest insurance companies. These companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as State Farm, Geico and Nationwide.

When shopping online for car insurance, make sure you don’t reduce coverage to reduce premium. There are too many instances where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. The goal is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

For more information, feel free to visit these articles:

• Determing Auto Insurance Rates (Geico)
• What is a Telematics Device? (Allstate)
• Tread Depth and Tire Safety (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Liability Insurance Coverage (Nationwide)