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2010 Lexus IS 350 C Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Oct 17, 2017

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Searching for better insurance rates for your Lexus IS 350 C? Having to pay for overpriced Lexus IS 350 C insurance can take a big chunk out of your bank account, especially in this economy. Shopping your coverage around is a smart way to cut your insurance bill.

With consumers having so many choices of insurance companies, it can be challenging to locate the most affordable insurer.

You should make it a habit to shop coverage around before your policy renews because rates are rarely the same from one policy term to another. Just because you had the best rates on IS 350 C insurance two years ago there may be better deals available now. Ignore everything you know about insurance because we’re going to demonstrate how to use online quotes to lower your rates without sacrificing coverage.

Comprehensive Insurance Comparison Quotes

To find the best insurance prices, there are several ways to get quotes from insurance companies in your area. The fastest way to find the lowest 2010 Lexus IS 350 C rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for separate quotation requests for each company. Just one form will get you price quotes from insurance companies with the best prices.
  2. A different way to get comparison quotes is going to the website for every company you want to comare and request a quote. For examples sake, we’ll assume you want to compare Auto-Owners, Farmers and American Family. To find out each rate you need to go to every website and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare identical coverage limits and deductibles for every quote you compare. If you have higher or lower deductibles then you won’t be able to make a fair comparison for your Lexus IS 350 C. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparison shopping, more quotes helps locate better pricing.

Verify you’re getting all your discounts

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known auto insurance savings.

  • Accident Forgiveness – Certain companies allow you one accident before your rates go up if you are claim-free for a set time period.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Defensive Driver – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Own a Home – Simply owning a home can help you save on auto insurance because owning a home requires personal responsibility.
  • Claim Free – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

Car insurance companies that may have these discounts include:

Before buying, ask all companies you are considering how you can save money. Some discounts might not apply everywhere.

When should I talk to an agent?

When buying coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • When should I remove comp and collision on my 2010 Lexus IS 350 C?
  • Do I have any recourse if my insurance company denies a claim?
  • When can my company non-renew my policy?
  • Where can I find high-risk insurance?
  • How much can I save by bundling my policies?
  • At what point should I drop full coverage?
  • Is a fancy paint job covered?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Learn about car insurance coverages for a Lexus IS 350 C

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Coverage for medical payments

Med pay and PIP coverage pay for bills for things like dental work, X-ray expenses, funeral costs, chiropractic care and pain medications. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability

Liability coverage can cover damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles, emergency aid and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Auto collision coverage

This pays for damage to your IS 350 C from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, fire damage and vandalism. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Don’t throw your cash in the trash

Lower-priced 2010 Lexus IS 350 C insurance can be purchased both online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are too many instances where someone sacrificed full coverage only to discover later that it was a big mistake. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

You just read quite a bit of information on how to save on insurance. The most important thing to understand is the more you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from the smaller companies. Regional companies may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.

Additional detailed information can be found in the articles below:

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