2015 Lexus IS 350 C Car Insurance Quotes – 8 Tricks for Best Rates

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. There is such a variety of auto insurance companies to pick from, and although it’s nice to be able to choose, lots of choices makes it harder to compare company pricing.

Get lower rates on 2015 Lexus IS 350 C insurance

Companies offering auto insurance don’t always publicize every available discount very well, so we break down some of the more common as well as the least known savings tricks you should be using. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Own a Home – Owning a house can help you save on insurance because owning a home demonstrates responsibility.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on IS 350 C insurance than less cautious drivers.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Driver Safety – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Auto/Home Discount – If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Clubs and Organizations – Participating in a civic or occupational organization could qualify you for a break on insurance on IS 350 C insurance.
  • One Accident Forgiven – Certain companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.

It’s important to note that most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky.

For a list of providers with discount insurance rates, click this link.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine if your insurance needs might need professional guidance.

  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when delivering products for my home-based business?
  • Do I need replacement cost coverage?
  • How can I force my company to pay a claim?
  • Are split liability limits better than a combined single limit?
  • How much underlying liability do I need for an umbrella policy?
  • Why do I need rental car insurance?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Ads can be misleading

Consumers can’t get away from ads for cheaper car insurance by State Farm, Geico and Progressive. All the companies make the same claim about savings after switching to their company.

How do they all make the same claim?

All the different companies have a preferred profile for the type of customer that is profitable for them. An example of a driver they prefer might be over the age of 40, owns a home, and drives newer vehicles. A customer getting a price quote who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who fall outside this ideal profile will have to pay more money which leads to the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. That’s why companies can advertise the savings. Because of the profiling, drivers should quote coverage with many companies. It’s just too difficult to predict the company that will fit your personal profile best.

The coverage is in the details

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance will pay to fix 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 coverage pays for things like rock chips in glass, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists 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.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as rehabilitation expenses, X-ray expenses, dental work, funeral costs and hospital visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage will cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of 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 values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, court costs and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

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. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a mailbox, colliding with a tree, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Buy Smart and Save

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage at an affordable rate.

We just showed you a lot of tips how to lower your 2015 Lexus IS 350 C insurance rates. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with a small mutual company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Additional insurance information can be found on the following sites: