2006 Lexus IS 350 Insurance Quotes

Finding better insurance prices for a Lexus IS 350 can normally be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to compare insurance rates and we’ll show you the absolute fastest way to get price quotes on a Lexus and obtain the lowest possible price from both online companies and local agents.

If you have insurance now or are shopping for new coverage, you can use these tips to reduce the price you pay while maximizing coverage. Shopping for affordable car insurance coverage is easy if you know what you’re doing. Drivers just need to know the proper methods to find the lowest price online.

Where can I get affordable insurance?

All major insurance companies provide coverage price quotes on the web. Getting online quotes is pretty easy as you just type in the coverages you want into the form. When the form is submitted, their quoting system will order reports for credit and driving violations and returns a price quote.

Quoting online makes it a lot easier to compare rates but the time required to go to multiple sites and type in your information is a waste of time. But it’s necessary to compare as many rates as possible if you want to find the lowest insurance rates.

Rate comparisons made easy

The smarter way to find lower prices is to use a quote form that obtains quotes from a lot of companies. The form is fast, reduces the work, and makes online price comparison much more efficient. After sending your information, it is rated and you can select any one of the pricing results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process can be completed in less than 10 minutes and can result in significant savings.

If you want to compare rates using this form now, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you complete the form with as close as possible to your current policy. Using the same limits helps guarantee you will get a fair comparison based on similar coverages.

Lower rate quotes with these discounts

Some insurance providers don’t always list every possible discount in an easy-to-find place, so we researched a few of the more common and the more hidden discounts that you can inquire about if you buy insurance coverage online.

• Memberships – Joining specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
• Life Insurance Discount – Car insurance companies who offer life insurance give a break if you buy some life insurance too.
• Air Bag Discount – Options like air bags can qualify for discounts as much as 30%.
• Defensive Driver Discounts – Completing a course teaching defensive driver skills could earn you a small percentage discount depending on where you live.
• Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
• Low Mileage Discounts – Driving less could earn lower premium rates on the low mileage vehicles.
• Safe Driver Discounts – Accident-free drivers may receive a discount up to 45% for IS 350 coverage as compared to drivers with claims.

A little disclaimer on discounts, most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will definitely lower your policy premiums.

A list of car insurance companies and some of the discounts can be found below.

• Farm Bureau offers premium reductions for safe driver, 55 and retired, youthful driver, multi-vehicle, and multi-policy.
• State Farm has discounts for student away at school, anti-theft, multiple policy, multiple autos, and defensive driving training.
• Progressive discounts include online quote discount, continuous coverage, good student, online signing, multi-policy, homeowner, and multi-vehicle.
• Allstate may include discounts for teenSMART discount, eSmart discount, multi-policy, FullPay discount, new car, and good payer.
• Nationwide offers discounts including accident-free, anti-theft, defensive driving, Farm Bureau membership, easy pay, and good student.
• MetLife offers discounts for accident-free, defensive driver, multi-policy, good driver, and claim-free.

Check with all companies you are considering the best way to save money. Some of the earlier mentioned discounts may not be available in your area. To choose providers with discount car insurance rates, click here.

Insurance coverage can be complex

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions may help you determine whether or not you may require specific advice.

• Am I covered when driving on a suspended license?
• Is my teen driver covered when they drive my company car?
• Do I need special endorsements for business use of my vehicle?
• Are there companies who specialize in insuring high-risk drivers?
• How much can I save by bundling my policies?
• Exactly who is provided coverage by my policy?
• When does my teenage driver need to be added to my policy?
• Am I covered if I break a side mirror?
• Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

This coverage pays for damage to your IS 350 resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, crashing into a building, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, emergency aid, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Lexus IS 350.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, damage from flooding, rock chips in glass, damage from getting keyed and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for surgery, prosthetic devices, chiropractic care and dental work. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible