2013 Lexus IS F Insurance Quotes

Looking for cheaper car insurance rates for your Lexus IS F? Nobody I know cherishes buying car insurance, especially knowing their premiums are through the roof. Consumers have many insurance companies to choose from, and although it’s a good thing to be able to choose, so many choices can make it hard to find a good deal.

Finding the best rates is not rocket science. If you have a policy now or are just looking to switch companies, you can use this information to reduce the price you pay and still get good coverage. Vehicle owners just need to know the proper way to find the lowest price online.

Best discounts on 2013 Lexus IS F coverage

Companies do not advertise every available discount in an easy-to-find place, so we took the time to find some of the best known and the more hidden ways to save on auto insurance. If they aren’t giving you every credit possible, you are throwing money away.

  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • No Charge for an Accident – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Federal Employees – Simply working for the federal government can save as much as 8% for IS F insurance with certain companies.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck.

A partial list of companies that possibly offer these money-saving discounts include:

Check with each insurance company how you can save money. Discounts might not apply in every state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Am I covered when driving on a suspended license?
  • How can I find cheaper teen driver insurance?
  • Does my 2013 Lexus IS F need full coverage?
  • Do I pay less for low miles?
  • Do I need added coverage for expensive stereo equipment?
  • How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Coverages available on your policy

Understanding the coverages of insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, damage from getting keyed and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

This can cover damage that occurs to a person or their property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, emergency aid and medical expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Collision coverage protection

This covers damage to your IS F resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, rolling your car, hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as funeral costs, ambulance fees and nursing services. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Lexus IS F.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

More quotes. Lower rates.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.

We just presented a lot of techniques to compare 2013 Lexus IS F insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from an unexpected company. These companies may only write in your state and offer lower rates than their larger competitors like State Farm, Geico and Nationwide.

For more information, feel free to browse the resources below: