How Much Does 2014 Lexus IS 350 C Insurance Cost?

Want the cheapest insurance coverage rates for your Lexus IS 350 C? Comparison shopping for insurance coverage is always nearly impossible for consumers new to comparison shopping online. People have so many options available that it can be a challenge to locate the lowest price.

This information will familiarize you with the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this strategy. But drivers benefit from understanding the methods companies use to sell insurance online and use this information to your advantage.

Insurance Prices Online

To find the best insurance prices, there are several ways to compare quotes from local insurance companies. The recommended way to find competitive 2014 Lexus IS 350 C insurance rates consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The most efficient way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for separate forms for every insurance company. Completing one form will return quotes from all major companies. It’s definitely the quickest method.
  • A slightly less efficient method to get quotes online requires a visit to each company website and complete a new quote form. For examples sake, let’s say you want to compare rates from Nationwide, Farmers and GMAC. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverage limits and deductibles for every quote you compare. If your comparisons have different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best. Slightly different coverage limits may cause a big price difference. It’s important to know that getting more free quotes helps you find better pricing.

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

An important part of buying insurance is that you know the factors that come into play when calculating your insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that could result in big savings.

The list below includes a partial list of the pieces that factor into premiums.

  • Liability coverage is cheap – Liability coverage will protect you if a court rules you are at fault for personal injury or accident damage. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • High crash test scores lower rates – Safer cars can get you lower premiums. Safe vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If the Lexus IS 350 C earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Men and women tend to get into accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • Do you need the policy add-ons? – There are quite a few add-on coverages you can purchase on your 2014 IS 350 C policy. Coverages like rental car reimbursement, better glass coverage and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so get rid of them and save.
  • Careful drivers pay lower rates – Only having one speeding ticket can increase rates by twenty percent. Good drivers get better rates than people who have multiple driving citations. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to drive a vehicle legally.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Most are applied at quote time, but lesser-known reductions have to be specifically requested before being credited.

  • Memberships – Being a member of a qualifying organization could trigger savings on your policy on IS 350 C coverage.
  • Homeowners Discount – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Low Mileage – Low mileage vehicles can earn a substantially lower rate.
  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Auto/Life Discount – Some companies give a break if you buy life insurance from them.

It’s important to understand that most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

To see a list of insurers who offer insurance discounts, click this link.

When might I need an agent?

When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your insurance needs may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • How high should my medical payments coverage be?
  • Does insurance cover damages from a DUI accident?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I wreck a rental car?
  • Do I have newly-aquired coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance policy specifics

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, fire damage and hail damage. The most 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.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Auto liability – This can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, loss of income, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your IS 350 C resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as surgery, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Quote more. Save more.

Drivers leave their current company for a variety of reasons including unfair underwriting practices, delays in paying claims, extreme rates for teen drivers or high rates after DUI convictions. Whatever your reason, finding the right car insurance provider is easier than you think.

While you’re price shopping online, do not reduce coverage to reduce premium. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to find out that they should have had better coverage. Your aim should be to buy a smart amount of coverage for the lowest price.

Discount 2014 Lexus IS 350 C insurance is available on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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