Compare 2013 Lexus IS 350 Car Insurance Cost

Locating better insurance prices for your Lexus IS 350 can turn out to be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to buy auto insurance so you’re going to learn the absolute fastest way to get price quotes for a Lexus and find the cheapest rates.

If you are insured now or are looking for a new policy, you can learn to shop for the lowest rates while maximizing coverage. Pricing affordable protection is not that difficult. Consumers just need to learn how to compare price quotes on the web.

Quote insurance coverage online

Finding cheap 2013 Lexus IS 350 insurance coverage prices can be surprisingly simple. The only requirement is to take the time to get quotes online from several insurance companies. Shoppers can get rates in several different ways.

The most recommended method to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do separate forms to each individual insurance coverage company. A single, simple form gets prices estimates direct from many companies. This is perfect if you don’t have a lot of time.
Another way to obtain and compare quotes online is to manually visit each company’s website and request a quote. For example, let’s say you want to compare Nationwide, GEICO and GMAC. You would have to go to each individual site to enter your coverage information, which is why the first method is quicker. For a list of companies in your area, click here.
The last way to find lower rates is to spend your day driving to insurance agents’ offices. The ability to quote online makes this unnecessary unless you require the guidance that can only be provided by a licensed insurance agent. Although, it is possible obtain prices from the web but buy the policy through an agent.

It doesn’t matter which method you choose, just do your best to use equivalent quote data for each comparison quote. If you use mixed coverages it’s not possible to determine which rate is truly the best.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

How does medical payments coverage work?
What happens if I owe more than my 2013 Lexus IS 350 is worth?
Can I still get insurance after a DUI?
Are my friends covered when driving my car?
How do I insure my teen driver?
What exactly is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a 2013 Lexus IS 350

Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Lexus IS 350.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage covers damage to your IS 350 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverage

This coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, loss of income, pain and suffering, medical expenses and emergency aid. How much coverage you buy is up to you, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses like pain medications, hospital visits, surgery, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hail damage, hitting a bird and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.