How Much Does 2010 Lexus IS 350 C Insurance Cost?

Want cheaper insurance rates for your Lexus IS 350 C? Nobody that owns a car looks forward to paying premiums for insurance, especially when they could get a better deal.

Lots of insurers contend for your business, and it can be difficult to compare rates to find the absolute best price available.

Low cost car insurance prices

There are several ways to compare prices from many available car insurance companies in your state. The simplest method to lower the rate you pay for Lexus IS 350 C insurance is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  • Hands down the most simple method to find low rates is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do separate quote forms for each company. A single form gets prices estimates direct from many companies.
  • A different way to shop for car insurance online consists of going to the website of each company and go through the quote process again. For instance, we’ll pretend you want to view quotes from Farmers, 21st Century and Progressive. You would have to go to every website to enter the same coverage data repeatedly, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just make sure you are using equivalent information for each price quote. If you are comparing different data it will be impossible to get a fair rate comparison. Even a minor difference in coverage limits may result in large price differences. Just remember that comparing more quotes helps improve the odds of finding the best price. Some smaller insurers to not give prices over the internet, so you should also compare price estimates from them as well.

Discounts can really help save money

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that can help lower your rates. Certain credits will be shown when you purchase, but a few need to be requested specifically before you will receive the discount.

  • Low Mileage Discounts – Fewer annual miles on your Lexus could qualify for better premium rates on cars that stay parked.
  • Defensive Driver – Successfully completing a driver safety class can save you 5% or more and also improve your driving technique.
  • Memberships – Participating in qualifying employment or professional organizations can get you a small discount on your next renewal.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on IS 350 C coverage with select insurance companies.
  • Claim-Free Discount – Good drivers with no accidents get the best car insurance rates compared to insureds who have frequent claims or accidents.

One thing to note about discounts is that most discounts do not apply to the entire cost. Most cut individual premiums such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, companies don’t profit that way.

If you would like to view providers with the best discounts, click here to view.

Will just any policy work for me?

When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if your situation may require specific advice.

  • How can I get my company to pay me more for my totalled car?
  • I don’t drive much so do I pay less?
  • Does coverage extend to Mexico or Canada?
  • Can I make deliveries for my home business?
  • Do I need an umbrella policy?
  • Is my Lexus IS 350 C covered if I use it for business?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages explained

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Lexus IS 350 C.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto liability

Liability coverage protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like court costs, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is up to you, but buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as hospital visits, EMT expenses and nursing services. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Collision protection

This pays for damage to your IS 350 C resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, scraping a guard rail, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from getting keyed, hail damage, falling objects and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.