Save on 2012 Lexus IS 350 C Car Insurance Quotes

Want better car insurance rates for your Lexus IS 350 C? Having to pay for overpriced Lexus IS 350 C insurance can take a big chunk out of your bank account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away.

Because there are so many choices, it can be diffult for consumers to pick the lowest cost company.

It is always a good idea to take a look at other company’s rates occasionally since insurance rates trend upward over time. Even if you got the best price on IS 350 C coverage last year you may be paying too much now. So just ignore everything you know about car insurance because it’s time to teach you the easiest way to find lower rates on car insurance.

How to Compare Insurance

Effectively comparing insurance prices is a ton of work if you don’t utilize the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use the web to achieve your goal.

Many companies belong to an insurance system where prospective buyers send in one quote, and each participating company returns a competitive quote. This eliminates the need for quote requests to every company.

To get comparison pricing now click here (opens in new window).

The single downside to doing it this way is you can’t choose the companies to get quotes from. If you prefer to choose from a list of companies to request quotes from, we have a listing of low cost insurance companies in your area. Click to view list.

However you get your quotes, be sure to compare the exact same coverage limits for each comparison quote. If you are comparing higher or lower deductibles it will be impossible to determine the lowest rate for your Lexus IS 350 C. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Keep in mind that comparing more company’s prices will enable you to find a better price.

Don’t pay full price with these discounts

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but a few must be specifically requested prior to getting the savings.

  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on IS 350 C coverage than less cautious drivers.
  • Homeowners Pay Less – Owning a house may trigger a car insurance policy discount because owning a home requires personal responsibility.
  • E-sign – Some insurance companies give back up to $50 for buying your policy online.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Government Employees – Simply working for the federal government can save as much as 8% on IS 350 C coverage depending on your company.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will cut your overall premium however.

Companies that possibly offer these benefits include:

Before buying, ask each company what discounts are available to you. Discounts might not be offered in every state.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • Is extra glass coverage worth it?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need replacement cost coverage on my 2012 Lexus IS 350 C?
  • Is there coverage for injuries to my pets?
  • Is motorclub coverage worth it?
  • How much underlying liability do I need for an umbrella policy?
  • Is my Lexus IS 350 C covered if I use it for business?
  • Why do I need rental car insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Information about specific coverages

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Liability

Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as emergency aid, pain and suffering and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your IS 350 C resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses like pain medications, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus IS 350 C.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, a tree branch falling on your vehicle, falling objects, vandalism and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.