2014 Lexus IS 350 C Insurance Rates
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UPDATED: Nov 19, 2021
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Want better insurance coverage rates for your Lexus IS 350 C? Overpriced Lexus IS 350 C insurance can overdraw your bank account and force you to prioritize other expenses. Comparing price quotes is a great way to help make ends meet.
With so many choices of insurance companies, it is hard for the average consumer to find the best insurance company.
Pricing more affordable protection is simple if you know the tricks. Essentially everyone who is required by state law to have car insurance should be able to save money. Nevertheless, drivers must comprehend how insurance companies sell insurance online because it can help you find the best coverage.
Compare Quotes for Insurance
There are several ways to compare rate quotes from local insurance companies. The recommended way to find competitive 2014 Lexus IS 350 C insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.
Probably the best way to get quotes is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for repetitive form entry to each individual insurance company. One form gets you coverage quotes from all major companies.
A slightly less efficient method to find lower rates consists of going to each company website and complete a new quote form. For sake of this example, we’ll assume you want rates from GEICO, Progressive and Liberty Mutual. You would have to visit each site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.
Which method you use is up to you, but ensure you are comparing the exact same coverages for every company. If you use mixed coverages you can’t possibly make a fair comparison for your Lexus IS 350 C. Just a small difference in insurance coverages can make a big difference in price. And when quoting insurance, remember that comparing a large number of companies helps locate the best offered rates.
Take advantage of discounts
The price of auto insurance can be rather high, but there are discounts available that you may not know about. A few discounts will automatically apply at the time of purchase, but some must be specifically requested before being credited.
- Low Mileage – Fewer annual miles on your Lexus can qualify you for lower rates on the low mileage vehicles.
- Homeowners Savings – Simply owning a home may trigger a insurance coverage policy discount because owning a home is proof that your finances are in order.
- Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
- No Charge for an Accident – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
- Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of 20% or more.
It’s important to note that some of the credits will not apply the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. But any discount will help reduce your premiums.
Car insurance companies who might offer some of the above discounts include:
- State Farm
- American Family
- Liberty Mutual
Double check with all companies you are considering how you can save money. All car insurance discounts might not apply everywhere.
How to know if you need help
When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance should reflect that For instance, these questions might point out if your situation might need professional guidance.
- Am I covered if my car is in a flood?
- Do I get a pro-rated refund if I cancel my policy early?
- Is motorclub coverage worth it?
- Which is better, split liability limits or combined limits?
- How do I insure my teen driver?
- What vehicles should carry emergency assistance coverage?
- Does insurance cover tools stolen from my truck?
- Why does it cost so much to insure a teen driver?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Insurance coverages 101
Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.
Collision coverages – This coverage pays for damage to your IS 350 C caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like backing into a parked car, colliding with a tree, sideswiping another vehicle, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hitting a deer, a broken windshield and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability – Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as attorney fees, emergency aid, repair costs for stationary objects, court costs and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as pain medications, chiropractic care and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Lexus IS 350 C.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.
Be a money saver!
Lower-priced 2014 Lexus IS 350 C insurance is definitely available from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance coverage companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.
As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, an accident victim reduced physical damage coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.
More detailed insurance coverage information can be read in these articles:
- Avoiding Deer Collisions (Insurance Information Insitute)
- Teen Driving Statistics (iihs.org)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Determing Auto Insurance Rates (GEICO)
- Teen Driving and Texting (State Farm)
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