Compare 2018 Lexus IS 350 Insurance Quotes

Searching for the cheapest insurance rates for your Lexus IS 350? Sick and tired of sacrificing other expenses each month for insurance? You are in the same boat as the majority of other people. People have many insurance companies to buy insurance from, and though it is a good thing to be able to choose, it can be more challenging to adequately compare rates.

Buy car insurance online

Most major insurance companies such as Progressive, Geico, Allstate and State Farm allow you to get coverage prices direct online. This process is easy for anyone as you simply type in the coverages you want into the quote form. After you submit the form their quoting system pulls your driving record and credit report and generates pricing information based on the data you entered. This makes it easy to compare insurance prices but having to visit each company’s website and repetitively type in the same data is not the best way to spend an afternoon. But it is imperative to perform this step in order to get the lowest possible prices on car insurance.

The smarter way to find lower prices uses one form that obtains quotes from more than one company. The form is fast, reduces the work, and makes rate comparisons a little more enjoyable. Immediately after you send the form, your coverage is rated and you are able to buy any or none of the pricing results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process can be completed in a matter of minutes and you’ll know if lower rates are available.

If you want to find out what other companies charge, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you duplicate coverages and limits identical to your current policy. This helps ensure you will get a fair comparison based on similar coverages.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover whether or not you will benefit from professional help.

Does insurance cover damages from a DUI accident?
Should I buy only the required minimum liability coverage?
What can I do if my company won’t pay a claim?
How does medical payments coverage work?
Why does it cost so much to insure a teen driver?
What is medical payments coverage?
Is my 2018 Lexus IS 350 covered for flood damage?
Do I need rental car coverage?
Does coverage extend to my business vehicle?
Am I covered if I drive in a foreign country?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average auto insurance policy.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for hospital visits, surgery, ambulance fees and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, a broken windshield, damage from getting keyed, hail damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, attorney fees and court costs. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.