How Much Does 2014 Lexus IS 350 C Car Insurance Cost?

Want cheaper insurance coverage rates for your Lexus IS 350 C? Nobody I know looks forward to paying for insurance coverage, especially knowing their premiums are through the roof.

Insurance companies such as Allstate, Liberty Mutual and State Farm constantly bombard you with ad campaigns and it can be hard to see past the geckos and flying pigs and find the best price available.

It’s smart to do rate comparisons occasionally since insurance rates fluctuate regularly. Just because you found the lowest rates for IS 350 C insurance two years ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re about to find out the best way to eliminate unnecessary coverages and save money.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Finding affordable coverage is quite easy. Nevertheless, consumers should learn how insurance companies sell online and take advantage of how the system works.

Insurance Prices Online

Performing a rate comparison can be a lot of work if you don’t know the most efficient way to do it. You could spend your day talking to insurance companies in your area, or you can stay home and use the internet to get prices fast.

Most car insurance companies take part in a program where prospective buyers only type in their quote data once, and at least one company provides a quote based on that data. This eliminates the need for form submissions for every insurance company.

To compare 2014 Lexus IS 350 C rates using this form now click here (opens in new window).

The only downside to using this type of form is that consumers can’t choose the companies you will receive quotes from. So if you want to select from a list of companies to compare rates, we have a listing of insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using exactly the same coverages and limits on every quote you get. If you use unequal deductibles or liability limits you will not be able to determine which rate is truly the best. Having just a slight variation in insurance coverages can make a big difference in price. Keep in mind that comparing a large number of companies gives you a better chance of getting a lower rate.

Tailor your coverage to you

When choosing coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • Does coverage extend to my business vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have newly-aquired coverage?
  • How can I force my company to pay a claim?
  • Should I buy only the required minimum liability coverage?
  • Do I have coverage if my license is suspended?
  • Will my insurance pay for OEM parts?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage options for a Lexus IS 350 C

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, hitting a deer and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages – This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like emergency aid, medical services, attorney fees, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, hitting a mailbox, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as surgery, ambulance fees, hospital visits, funeral costs and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover 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

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Lexus IS 350 C.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.