Lower Your 2015 Lexus IS 350 C Insurance Rates

Trying to find the cheapest car insurance rates for your Lexus IS 350 C? Cutting costs on car insurance is always nearly impossible for beginners to comparison shopping online. Drivers have so many companies to choose from that it can easily become a lot of work to locate the lowest price.

You should make it a habit to take a look at other company’s rates once or twice a year since rates fluctuate regularly. Despite the fact that you may have had the lowest price for IS 350 C insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn the fastest and easiest way to get good coverage at a lower rate.

Finding the best rates is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. But car owners must learn how companies sell online and take advantage of how the system works.

Quick Insurance Quotes

There are a variety of methods you can shop for 2015 Lexus IS 350 C insurance but there is one way that is more efficient than others. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use online quotes to get pricing more quickly.

Most of the larger companies enroll in a system that enables customers to enter their coverage request one time, and each company provides a quote based on that information. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only downside to doing it this way is that consumers can’t choose which companies to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we have a page of low cost insurance companies in your area. Click to view list.

Whichever way you use, ensure you’re using the exact same coverage information on every quote you get. If your comparisons have different liability limits it will be next to impossible to make a fair comparison for your Lexus IS 350 C. Having just a slight variation in coverage limits may result in large price differences. And when quoting insurance, remember that quoting more will improve the odds of getting the best rates.

Companies offer discounts so take them!

Companies offering auto insurance don’t necessarily list all available discounts in an easy-to-find place, so here is a list both well-publicized and the harder-to-find insurance savings.

Accident Forgiveness – Certain companies allow you one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
Clubs and Organizations – Being a member of certain professional organizations could trigger savings when buying insurance for IS 350 C insurance.
Good Student Discount – Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.
Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for IS 350 C insurance with certain companies.
Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
Accident Free – Claim-free drivers can earn big discounts when compared with drivers who are more careless.

It’s important to understand that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

Insurance companies that possibly offer some of the above discounts include:

Check with each insurance company what discounts are available to you. Savings might not apply in every state.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

Is other people’s property covered if stolen from my vehicle?
Am I better off with higher deductibles on my 2015 Lexus IS 350 C?
Should I buy more coverage than the required minimum liability coverage?
Is my 2015 Lexus IS 350 C covered for flood damage?
How can I get my company to pay me more for my totalled car?
What vehicles should carry emergency assistance coverage?
Am I covered if I break a side mirror?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverages explained

Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, theft and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on other people or property. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as medical expenses, legal defense fees, attorney fees, court costs and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like surgery, EMT expenses, rehabilitation expenses and dental work. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, backing into a parked car, crashing into a ditch, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.