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2013 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: Nov 23, 2017

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Trying to find cheaper car insurance rates for your Lexus IS 350 C? Searching for cheaper insurance for your Lexus IS 350 C could be difficult, but you can use the following methods and make it easy. There is a better way to shop for car insurance so we’re going to tell you the proper way to quote coverages on a Lexus and find the lowest price from local insurance agents and online providers.

How to Buy Insurance Coverage Online

Comparing insurance coverage rates can be a lot of work if you don’t understand the easiest way. You could spend the better part of a day talking to local insurance agents in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

All the larger companies participate in an industry program where prospective buyers enter their coverage request one time, and each company can give them a price based on that information. This eliminates the need for form submissions to each individual insurance coverage company. To use this form to compare 2013 Lexus IS 350 C insurance rates click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose which carriers you will receive quotes from. So if you want to choose from a list of companies to compare, we have a page of low cost insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverages and limits for every company. If each company quotes different values for each quote you can’t possibly find the best deal for your Lexus IS 350 C.

Take discounts and save

Companies offering auto insurance don’t necessarily list every discount very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Accident Waiver – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Own a Home – Owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
  • Low Mileage – Fewer annual miles on your Lexus could be rewarded with better rates on cars that stay parked.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Memberships – Participating in a professional or civic organization is a good way to get lower rates on insurance for IS 350 C coverage.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Passive Restraint Discount – Cars that have air bags may earn rate discounts of 20% or more.
  • Driver’s Ed – Have your child complete a driver education course if offered at their school.
  • Save over 55 – If you qualify as a senior citizen, you may receive a discount up to 10% for IS 350 C coverage.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

A partial list of companies that may have these discounts are:

Before buying, ask each company which discounts you may be entitled to. Discounts might not apply in your state.

Pieces of the Lexus IS 350 C insurance rate puzzle

An important part of buying insurance is that you know some of the elements that help determine the price you pay for car insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get better car insurance rates.

  • More people means more accidents – Choosing to live in a small town is a positive aspect when buying car insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Special features that cut premiums – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Little extras can really add up – There are many extra bells and whistles that can waste your money if you aren’t careful. Things like rental car reimbursement, accident forgiveness and membership fees may be costing you every month. They may seem good initially, but your needs may have changed so remove them from your policy.
  • An active claims history can cost you – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Insurance companies provide better rates to insureds who are claim-free. Car insurance is intended for the large, substantial claims.
  • Having a spouse can save you money – Being married can actually save you money on your car insurance policy. Marriage usually means you are more mature and statistics show being married results in fewer claims.
  • Lower miles equals lower premium – The more miles you rack up on your Lexus in a year’s time the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage get more affordable rates compared to those used for work or business. Make sure your car insurance policy shows how each vehicle is driven. Incorrect usage on your IS 350 C can cost quite a bit.

Which policy gives me the best coverage?

When buying coverage, there is no “perfect” insurance plan. Every situation is different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • Why am I required to get a high-risk car insurance policy?
  • Where can I get insurance after a DUI in my state?
  • What is the rate difference between pleasure use and commuting?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need special endorsements for business use of my vehicle?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2013 Lexus IS 350 C.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, rock chips in glass, theft and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as pain medications, EMT expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability coverages

This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as bail bonds, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Be Smart and Buy Smart

We’ve covered a lot of tips how to save on 2013 Lexus IS 350 C insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from the least-expected company.

When shopping online for insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability coverage limits only to find out that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at an affordable rate.

Lower-priced insurance is definitely available from both online companies as well as from independent agents, so compare prices from both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

To read more, link through to the following helpful articles:

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