Lower Your 2013 Lexus IS 350 C Car Insurance Quotes

Looking for lower insurance rates for your Lexus IS 350 C? Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Believe me, you’re not alone.

Many insurers vie to insure your vehicles, so it can be very hard to choose a provider and get the best coverage at the lowest rate

It’s important to check insurance prices quite often because insurance rates are variable and change quite frequently. If you had the lowest rate for IS 350 C coverage a few years ago a different company probably has better prices today. Forget all the misinformation about insurance because you’re about to learn one of the best ways to lower your annual insurance bill.

Compare quotes for insurance coverage

To get low cost auto insurance quotes, there a variety of ways of comparing rate quotes from different companies. By far the easiest way to find the cheapest 2013 Lexus IS 350 C insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. The simplest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do multiple quote forms for each price estimate. One form gets you coverage quotes from all major companies.
  2. A less efficient way to analyze rates is going to the website for each individual company and request a quote. For sake of this example, we’ll pretend you want to compare Liberty Mutual, 21st Century and GEICO. You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of companies in your area, click here.
  3. The most difficult way to find cheaper rates is to waste gas driving to insurance agencies in your area. Comparing rates online makes this unnecessary unless your situation requires the professional advice of a licensed agent. Some companies do allow you to compare the best prices online and still use a local agent.

You can choose any of those ways to find more affodable coverage, but be sure you’re using the same quote data with each company. If each company quotes different deductibles it will be nearly impossible to decipher which rate is best. Slightly different coverage limits may result in large price differences. Just remember that having more price comparisons increases your odds of finding a lower rate than you’re paying now.

Do I need special coverages?

When choosing the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • What are the best liability limits?
  • How high should deductibles be on a 2013 Lexus IS 350 C?
  • Am I missing any policy discounts?
  • Are rental cars covered under my policy?
  • What is PIP insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage options for a 2013 Lexus IS 350 C

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from auto insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses like nursing services, surgery, EMT expenses, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Liability coverage

This coverage can cover injuries or damage you cause to a person or their property in an accident. 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, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like emergency aid, repair costs for stationary objects and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision protection

This coverage pays for damage to your IS 350 C resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, theft, damage from a tornado or hurricane, falling objects and hitting a deer. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.