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  2. Lexus
  3. IS 350 C
  4. 2015 Model Year

2015 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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Have you had enough of scraping the payment together to buy car insurance? You are no different than the majority of other car owners. Drivers have multiple car insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more challenging to find the lowest cost provider.

This information will tell you how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you will be able to save some money using these techniques. Drivers only need an understanding of the proper way to shop for car insurance on the web.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but a few need to be inquired about prior to getting the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • College Student – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.
  • Homeowners Savings – Owning a house may trigger a insurance policy discount because owning a home demonstrates responsibility.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on IS 350 C insurance with certain companies.

Keep in mind that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way. But any discount will reduce the amount you have to pay.

A partial list of companies that may have some of the above discounts are:

Before buying, ask each company which discounts they offer. Some discounts might not be offered in every state.

When should I talk to an agent?

When choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • What is roadside assistance coverage?
  • Do I need replacement cost coverage?
  • What can I do if my company denied a claim?
  • Do I have coverage when using my vehicle for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I sign the liability waiver when renting a car?
  • When should I not file a claim?
  • Can I drive in Mexico and have coverage?
  • How do I buy GAP insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and GEICO. They all have a common claim about savings if you change your coverage to them.

How can each company make the same claim? This is how they do it.

All companies have a preferred profile for the right customer that earns them a profit. For example, a preferred risk might be profiled as between 30 and 50, a clean driving record, and drives newer vehicles. Any new insured that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don’t measure up to the requirements will be quoted a more expensive rate and ends up with the customer not buying. The ads state “customers who switch” not “people who quote” save that much. That’s the way companies can make the claims of big savings.

This emphasizes why it is so important to compare many company’s rates. You cannot predict which insurance companies will have the lowest Lexus IS 350 C insurance rates.

Insurance coverage options for a Lexus IS 350 C

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Liability car insurance

This provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like emergency aid, court costs and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, a tree branch falling on your vehicle, fire damage, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Lexus IS 350 C.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, hitting a parking meter, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like dental work, rehabilitation expenses and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage on a shoestring budget

We’ve covered some good ideas how you can compare 2015 Lexus IS 350 C insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with a small mutual company. They can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Budget-conscious insurance is possible on the web and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Even more information can be found in these articles:

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