2014 Lexus IS 350 C Car Insurance Quotes – 6 Ways to Save

Want cheaper car insurance rates for your Lexus IS 350 C? Online price comparisons for inexpensive car insurance probably sounds like a formidable task if you’ve never compared online price quotes. But don’t be bewildered because using the internet to shop for car insurance is actually quite easy.

You should make it a habit to compare prices as often as possible because prices are constantly changing. Even if you think you had the best rates for IS 350 C coverage a couple years back other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to learn the fastest and easiest way to find the best coverage while lowering your premiums.

Quote car insurance online

Most larger insurance companies allow you to get insurance quotes from their websites. Comparing prices online is pretty painless as you just enter the amount of coverage you want on the page. Upon sending the form, their rating system gets reports for credit and driving violations and gives you a price quote based on many factors.

Online price estimates makes comparing rates easy, but the time it takes to visit a lot of sites and enter the same data into a form is a big time waster. But it’s also necessary to have as many quotes as possible in order to find the lowest car insurance rates.

The better way to compare rates

A better way to locate the lowest prices uses one form to get prices from many companies. It saves time, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. After sending your information, it gets priced and you can select any of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process just takes a couple of minutes and can result in significant savings.

To find out how much you can save on car insurance, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you complete the form with the insurance coverages as close as possible to your current policy. Using the same limits helps guarantee you’re receiving rate quotes using the exact same coverages.

Do you qualify for discount car insurance?

Companies offering auto insurance don’t always advertise their entire list of discounts in an easy-to-find place, so we researched some of the more common and also the more inconspicuous credits available to you. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Telematics Discount – Insureds that choose to allow their insurance company to analyze driving manner by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if they show good driving skills.
  • Low Mileage Discounts – Driving less could earn discounted rates on garaged vehicles.
  • Discount for Swiching Early – Some companies give discounts for buying a new policy before your current coverage expires. You can save around 10% with this discount.
  • Professional Memberships – Joining certain professional organizations may earn a discount on your bill.
  • No Claim Discounts – Insureds with no claims or accidents have much lower rates in comparison to frequent claim filers.

A little disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like you could get a free car insurance policy, you won’t be that lucky.

Insurance companies that may offer quotes with some of the discounts shown above include:

Before you buy a policy, ask every company to apply every possible discount. All car insurance discounts might not be offered everywhere.

What insurance coverages do I need?

When choosing coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • If my 2014 Lexus IS 350 C is totaled, can I afford another vehicle?
  • Am I covered if hit by an uninsured driver?
  • How much liability coverage do I need in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have health insurance so do I need medical payments coverage?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

The coverage is in the details

Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage – This pays for damage to your IS 350 C resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, crashing into a building, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Lexus IS 350 C.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like ambulance fees, hospital visits, pain medications, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages – This provides protection from damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as structural damage, loss of income, pain and suffering, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, damage from a tornado or hurricane, rock chips in glass, theft and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Keep this in mind

Budget-friendly insurance coverage can be purchased both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide rate quotes online and usually these small insurance companies only sell coverage through local independent agents.

Consumers change insurance companies for a variety of reasons including high prices, unfair underwriting practices, high rates after DUI convictions or extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be pretty painless.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed full coverage only to regret at claim time that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

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