Lexus IS 350 Insurance Rates

You have lots of choices when attempting to insure your Lexus vehicle. You can either contact your neighborhood insurance agent or shop online to compare pricing from many different companies. Finding cheaper auto insurance from online companies is easy and at the same time you will probably save money.

Consumers who are new to the process of comparison shopping may think shopping for cheap Lexus IS 350 insurance can be quite difficult. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes comparing rates from different insurance companies. It is quite easy and can be accomplished by visiting this page.

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What factors impact car insurance premiums?

Insurance rates for a Lexus IS 350 can be significantly different based upon several criteria. Taken into consideration are:

The performance level of your IS 350
How many accidents you have had
Home/auto policy bundles save money
Use of your vehicle
Special coverage such as replacement cost
No claims lowers premiums
Maintaining coverage lowers rates
Whether you rent or own your home

One last important factor which can affect the rate you pay on your Lexus is the year of manufacture. A newer vehicle have a higher actual cash value so repair costs are higher which may end up costing you more. But new Lexus models may have options including an advanced theft deterrent system, all-wheel drive, and traction control that may help provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your IS 350 from available model years below.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as large an amount as possible.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. Lexus IS 350 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not universally available but can be used in place of medical payments coverage.

How Much are Lexus IS 350 Insurance Rates?