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Lexus Lexus IS-350 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: Nov 16, 2021

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Looking for cheaper insurance coverage rates for your Lexus IS 350? Comparing insurance coverage rates online can be difficult if you’ve never compared online quoting. But don’t be discouraged because using the internet to shop for insurance coverage is actually quite easy.

It’s important to get comparison quotes before your policy renews since rates change regularly. Even if you got the best rates on IS 350 insurance a year ago there may be better deals available now. Ignore everything you know about insurance coverage because you’re about to find out how to use online quotes to lower your rates without sacrificing coverage.

If you currently have car insurance, you will be able to reduce your rates substantially using this information. Shopping for the best coverage is easy if you know what you’re doing. But vehicle owners need to have an understanding of the methods companies use to price insurance differently and use this information to your advantage.

Save on Lexus IS 350 insurance

Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be requested specifically prior to getting the savings.

  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Homeowners Discount – Simply owning a home may trigger a insurance policy discount because owning a home shows financial diligence.
  • Club Memberships – Being a member of a qualifying organization could trigger savings when shopping for insurance on IS 350 insurance.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on IS 350 insurance with certain companies.
  • Bundle and Save – When you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums on IS 350 insurance.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if it’s offered in school.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, insurance companies aren’t that generous. But all discounts will reduce your overall premium however.

Companies that may offer these money-saving discounts include:

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

Before buying, ask each company how you can save money. Savings might not apply in your state.

Tailor your coverage to you

When buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions could help you determine if you might need professional guidance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I find cheaper teen driver insurance?
  • Can I drive in Mexico and have coverage?
  • Do I really need UM/UIM coverage?
  • Am I covered by my spouse’s policy after a separation?
  • When should I drop full coverage on my 2010 Lexus IS 350?
  • Who is covered by my policy?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Are auto insurance companies telling the truth?

Auto insurance companies such as Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to say the same thing of big savings if you switch your policy. How does each company make almost identical claims?

All companies have a preferred profile for the type of driver they prefer to insure. For instance, a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A propective insured who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who do not match these standards must pay higher prices which leads to business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save money. This is how companies can advertise the way they do.

This illustrates why drivers should compare many company’s rates. Because you never know which company will fit your personal profile best.

Insurance coverage breakdown

Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2010 Lexus IS 350.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses such as pain medications, rehabilitation expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, theft, falling objects and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This coverage covers damage to your IS 350 resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, crashing into a ditch, crashing into a building, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability

Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. 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. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like pain and suffering, medical expenses, loss of income and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Stretch your dollar

Discount 2010 Lexus IS 350 insurance can be found on the web in addition to many insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and these smaller companies work with independent agents.

Drivers switch companies for many reasons like questionable increases in premium, delays in paying claims, not issuing a premium refund and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new company can be easier than you think.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. In many instances, drivers have reduced liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.

Additional insurance coverage information can be read below:

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