Cheapest 2011 Lexus IS 350 C Insurance Rates in 2024

Shoppers have many options when shopping for the best price on Lexus IS 350 C insurance. They can either waste time driving around to get rate comparisons or utilize the internet to find the lowest rates.

There is a right way and a wrong way to find insurance coverage online and we’ll show you the absolute fastest way to compare rates for your Lexus and obtain the best price possible.

It’s a good habit to shop coverage around before your policy renews because prices are rarely the same from one policy term to another. Even if you got the best deal for IS 350 C coverage a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the quickest way to find better coverage at a better price.

If you have a current insurance policy or are looking for a new policy, you will benefit by learning to find the best rates and still get good coverage. This article will teach you the most effective way to quote insurance and some money-saving tips. Vehicle owners only need to know how to compare prices online.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be asked about before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.

• Accident Free – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
• Federal Employees – Employees or retirees of the government could cut as much as 10% off for IS 350 C coverage with select insurance companies.
• Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
• Student in College – Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
• Paperwork-free – A few companies will give a small break simply for signing over the internet.

Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will bring down your overall premium however.

For a list of companies with discount auto insurance rates, click here.

Advertising myths

Consumers can’t get away from ads for cheaper car insurance by Progressive, Allstate and GEICO. They all have a common claim about savings if you change to their company.

How can each company make the same claim?

Insurance companies have a certain “appetite” for the driver that is profitable for them. For example, a desirable insured could possibly be between the ages of 40 and 55, is a homeowner, and drives newer vehicles. Any driver that hits that “sweet spot” will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don’t qualify for these standards will be charged a higher premium and this can result in business going elsewhere. The ads state “customers who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can make the claims of big savings.

That is why drivers should get as many quotes as possible. It’s not possible to predict the company that will have the lowest Lexus IS 350 C insurance rates.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Every situation is different.

For instance, these questions might point out whether you would benefit from an agent’s advice.

• Should I sign the liability waiver when renting a car?
• How much underlying liability do I need for an umbrella policy?
• Why am I required to get a high-risk car insurance policy?
• Is my Lexus IS 350 C covered if I use it for business?
• What if I total my 2011 Lexus IS 350 C and owe more than it’s worth?
• Does insurance cover tools stolen from my truck?
• Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Car insurance 101

Having a good grasp of insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, medical services, repair costs for stationary objects, pain and suffering and loss of income. How much coverage you buy is up to you, but buy as large an amount as possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, sustaining damage from a pot hole, backing into a parked car and colliding with a tree. 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. You can also raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for dental work, pain medications and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Lexus IS 350 C.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, damage from getting keyed, a broken windshield and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Buy Smart and Save

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage and learned later that it was a big error on their part. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Low-cost 2011 Lexus IS 350 C insurance can be purchased both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

In this article, we presented a lot of ways to lower your insurance rates. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

Helpful resources

• Things to Know Before you Cancel Insurance (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Senior Drivers (Insurance Information Institute)
• Vehicle Size and Weight FAQ (iihs.org)