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Lexus IS 350 Insurance Rates

You have many choices when buying insurance for your Lexus vehicle. You can get prices from your neighborhood insurance agent or price shop online to compare pricing from multiple companies. Shopping for car insurance online is simple to do, in addition you will probably save money.

Comparing car insurance rates direct online can be complicated if you have never used quoting online. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from local car insurance companies. The recommended way to find the lowest Lexus IS 350 insurance cost consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Lexus IS 350 can be significantly different subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • How many accidents you have had
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Optional coverages like vehicle replacement
  • Your profession
  • Your coverage level
  • Owning a home can lower rates

One last important factor that will help determine the rate you pay on your Lexus is the year of manufacture. Older cars and trucks have a much lower replacement value so the costs to repair can decrease annual premiums. On the flip side, new Lexus models may have options like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help provide discounts that lower premiums.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your IS 350 from the following list.

Liability coverage - Lexus IS 350 liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase as large an amount as possible.

Collision coverage - Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper Lexus IS 350 insurance rates.

Comprehensive coverage - This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when other motorists either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance reimburse you for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.

How Much are Lexus IS 350 Insurance Rates?