2013 Lexus IS 350 C Insurance Rates – 5 Savings Tips

Finding and buying car insurance is not a task drivers relish, but regardless it’s required in order to satisfy compulsory insurance requirements.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. The purpose of this article is to tell you the most effective way to quote insurance and some money-saving tips. Although car owners should learn the way insurance companies determine prices and use this information to your advantage.

Car Insurance Quote Comparison

Most major insurance companies like Progressive, Allstate and Geico give coverage prices directly from their websites. Getting quotes is pretty easy as you simply enter the coverages you want as requested by the quote form. After the form is submitted, their system gets credit information and your driving record and returns a price based on these factors.

This streamlines rate comparisons, but the process of having to visit different websites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to do this in order to get the lowest possible prices on car insurance.

The preferred way to find lower prices utilizes a single form that gets price quotes from many companies. The form is fast, requires less work, and makes rate comparisons much simpler. After sending your information, your coverage is rated and you can choose any of the resulting price quotes.

If you find a better price you can simply submit the application and buy the new coverage. The whole process only takes a few minutes and may result in a nice savings.

In order to get comparison pricing now, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you type in the coverages as close as possible to your current policy. This helps ensure you will get an apples-to-apples comparison for similar insurance coverage.

Do you qualify for these five discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but a few must be specifically requested prior to getting the savings.

  • Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
  • Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for IS 350 C coverage with certain companies.
  • Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Accident Waiver – A few companies allow you one accident before raising your premiums as long as you don’t have any claims for a set time period.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as comp or med pay. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will reduce the cost of coverage.

To see a list of companies with the best car insurance discounts, click here to view.

Don’t assume everyone needs the same coverage

When choosing the best insurance coverage, there is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions can help discover whether or not you would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • What can I do if my company won’t pay a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Where can I get insurance after a DUI in my state?
  • Do I need more liability coverage?
  • Is my nanny covered when driving my vehicle?
  • When would I need rental car insurance?
  • If my pet gets injured in an accident are they covered?
  • Is business property covered if stolen from my car?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverage details

Knowing the specifics of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

This coverage can cover damage that occurs to other people or property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like bail bonds, court costs, attorney fees, structural damage and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like pain medications, prosthetic devices, hospital visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Lexus IS 350 C.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, theft, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This covers damage to your IS 350 C resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, scraping a guard rail, rolling your car, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

More effort can pay off

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced liability coverage limits and learned later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Lower-priced 2013 Lexus IS 350 C insurance is attainable on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

People change insurance companies for a variety of reasons including high rates after DUI convictions, questionable increases in premium, delays in responding to claim requests and lack of trust in their agent. Regardless of your reason, finding the right auto insurance provider is not as hard as you think.

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