2010 Lexus IS 350 C Car Insurance Rates

Want the cheapest insurance coverage rates for your Lexus IS 350 C? Tired of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than many other drivers. Since consumers have many companies to choose from, it can be hard to locate the lowest price car insurance company.

Some factors that can determine what Lexus IS 350 C insurance costs

It’s important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to better auto insurance rates.

Shown below are a few of the “ingredients” that factor into prices.

  • High deductibles save money – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Lexus from damage. A few examples of covered claims are a windshield shattered by a rock, damage caused by hail, and burglary. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The more money you have to pay, the bigger discount you will receive on IS 350 C insurance.
  • Cautious drivers pay less – Drivers with clean records have lower premiums than their less careful counterparts. Only having one moving violation may increase your cost by as much as thirty percent. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Men are more aggressive – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men are in accidents in similar numbers, but the men have costlier accidents. Men also statistically get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Lexus IS 350 C is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Your location is important – Living in a small town can be a good thing when buying auto insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have much more traffic to deal with and a longer drive to work. Longer commute distances translates into higher accident risk.
  • Protect your assets with liability insurance – The liability section of your policy provides coverage when you are found liable for damages caused by your negligence. Liability provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Do you need those extra coverages? – There are a ton of additional coverages that can waste your money when buying auto insurance. Things like personal injury protection, accident forgiveness and additional equipment coverage are some examples. They may seem good when talking to your agent, but now you might not need them so remove them from your policy.
  • Claim-free discounts can add up – Auto insurance companies give lower rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Car insurance is designed for major claims that would cause financial hardship.

The best way to compare rate quotes is to understand most of the larger companies have advanced systems to provide you with free rate quotes. To begin a comparison, all you need to do is give the companies some data including what you do for a living, how many miles driven, if you went to college, and driver details. Your details gets sent immediately to insurance carriers in your area and they return quotes very quickly.

To find the cheapest 2010 Lexus IS 350 C insurance rates, click here and complete the form.

Are you getting all your discounts?

Car insurance is not cheap, but you can get discounts that you may not even be aware of. Certain discounts will be applied when you quote, but less common discounts must be specifically requested before being credited. If you don’t get every credit available, you’re paying more than you need to.

  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Defensive Driving Course – Taking a course in driver safety can save you 5% or more depending on where you live.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Sign Online – A few companies give back up to $50 just for signing your application digitally online.
  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
  • Resident Student – Kids in college who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. But all discounts will reduce the cost of coverage.

To see a list of insurance companies with discount auto insurance rates, click here to view.

Tailor your coverage to you

When it comes to choosing coverage, there really is not a perfect coverage plan. Each 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 could use an agent’s help.

  • Should I buy only the required minimum liability coverage?
  • What can I do if my company won’t pay a claim?
  • Can I still get insurance after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • Does my insurance cover my expensive audio equipment?
  • Are rental cars covered under my policy?
  • Does insurance cover tools stolen from my truck?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need higher collision deductibles?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Auto insurance coverages

Understanding the coverages of auto insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for X-ray expenses, EMT expenses, hospital visits and surgery. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, a broken windshield, falling objects, vandalism and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Lexus IS 350 C.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

This coverage covers damage to your IS 350 C resulting from a collision 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 hitting a mailbox, colliding with another moving vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverage

This will cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, medical services and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Shop Smart and Save

Affordable 2010 Lexus IS 350 C insurance can be sourced both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. A few companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. In many instances, drivers have reduced uninsured motorist or liability limits only to find out that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.

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