1995 Lexus SC 300 Car Insurance Cost

Are you a victim of an underperforming, overpriced insurance coverage policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the definite lowest rate possible.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is easy if you know what you’re doing. Although car owners should learn the methods companies use to market on the web and apply this information to your search.

Insurance Quote Comparison

Performing a rate comparison can be a daunting task if you don’t know the best way to get rate quotes. You can spend countless hours talking to insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

The majority of car insurance companies take part in a program where prospective buyers send in one quote, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote requests for every insurance company. To compare pricing click here (opens in new window).

The only drawback to pricing coverage this way is that you can’t choose the providers to get pricing from. If you prefer to choose individual companies to compare rates, we put together a list of companies who write insurance in your area. Click to view list.

However you get your quotes, make darn sure you compare the exact same coverage limits and deductibles on every quote. If each company quotes higher or lower deductibles it will be impossible to truly determine the lowest rate. Slightly different coverages can mean a large discrepancy in price. And when quoting insurance, remember that comparing more company’s prices provides better odds of finding better pricing.

Different people need different coverages

When choosing proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might point out whether you would benefit from an agent’s advice.

  • When should I buy a commercial auto policy?
  • Can I drive in Mexico and have coverage?
  • What is an SR-22 filing?
  • Are my friends covered when driving my 1995 Lexus SC 300?
  • Is a blown tire covered by insurance?
  • What can I do if my company won’t pay a claim?
  • What is medical payments coverage?
  • Can my babysitter drive my car?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

The coverage is in the details

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for funeral costs, ambulance fees, rehabilitation expenses, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Lexus SC 300.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability – This coverage protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as funeral expenses, court costs and attorney fees. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – This coverage will pay to fix damage to your SC 300 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.