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Lexus IS 350 Insurance Rates

You have lots of choices when buying insurance for your Lexus vehicle. You can either contact your neighborhood insurance agent or price shop online to compare rates from lots of different providers. Comparing car insurance through online providers is simple to do and at the same time you will probably save money.

Using the web to shop for car insurance direct is challenging if you have never used online quotes. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. The recommended way to compare Lexus IS 350 insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What influences your insurance rates?

Insurance rates paid to insure a Lexus IS 350 can vary widely subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Any accidents you may have
  • Home and auto can earn discounts
  • How you use your vehicle
  • Young drivers cost more
  • Whether you are married
  • Special coverage such as replacement cost
  • Your profession
  • Your coverage level
  • Whether you rent or own your home

One last important factor that can impact the rate you pay on your Lexus is the year of manufacture. Used vehicles have a reduced actual cash value so the costs to repair can decrease annual premiums. On the flip side, more recent Lexus vehicles may have options like active head restraints, an advanced theft deterrent system, and lane departure warning system which can lower rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your IS 350 from available model years below.

Liability auto insurance - Lexus IS 350 liability coverage will cover damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage - This coverage will pay to fix damage to your Lexus 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. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper Lexus IS 350 insurance rates.

Comprehensive (Other than Collision) - This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Lexus IS 350 Insurance Rates?