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Lexus IS 350 Insurance Rates

There are many options when trying to insure your Lexus vehicle. You can either buy through an insurance agent or go online to compare pricing from many different auto insurance companies. Buying auto insurance through online rate quotes can be fast and easy and there is a good chance you may find lower rates.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies selling insurance. Finding a lower price on Lexus IS 350 insurance can be surprisingly simple. You just have to take a little time to compare quotes provided by online insurance companies. This can be accomplished by visiting this page.

Insurance premiums for a Lexus IS 350 can vary widely depending on several factors. Some of these factors include:

  • Higher performance IS 350 vehicles cost more
  • Any accidents you may have
  • Multiple policies can save money
  • Use of your vehicle
  • Mature drivers pay less
  • Being married can lower rates
  • Extra coverages like towing and rental
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older Lexus models so the cost to replace them can inflate annual premiums. On the flip side, new Lexus models have more advanced features like lane departure warning system, a telematics system, and adaptive headlights which can provide discounts that lower premiums.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your IS 350 below.

Auto liability

This coverage provides protection from damage that occurs to other people or property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Lexus IS 350 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper Lexus IS 350 insurance rates.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.

How Much are Lexus IS 350 Insurance Rates?