How Much Does 2014 Lexus IS 350 Insurance Cost in 2024?

Trying to find better insurance prices for your Lexus IS 350 can be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to get price quotes for a Lexus and find the lowest possible price either online or from local insurance agents.

If you have a policy now or need new coverage, you can use these techniques to find better prices and possibly find even better coverage. Pricing the best protection is not that difficult. Vehicle owners just need to learn the best way to shop over the internet.

Cheapest insurance coverage price quotes

Performing a rate comparison can take hours if you don’t utilize the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could save time and use the internet to quickly compare rates.

Many companies belong to an insurance system where prospective buyers submit one quote, and at least one company returns a competitive quote based on that information. This prevents consumers from doing quotation requests to every company.

To find out how much you’re overpaying now enter your zip code here.

One minor caveat to comparing rates this way is you are unable to specify which companies to receive prices from. So if you prefer to choose specific providers to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. Click to enter zip code for insurance companies.

You can choose any of those ways to find more affordable coverage, but be sure you’re using the same coverages and limits for each comparison quote. If you enter different data it will be very difficult to make an equal comparison.

When to get professional advice

When it comes to buying the best insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

• Am I covered by my spouse’s policy after a separation?
• Does car insurance cover theft of personal property?
• I have health insurance so do I need medical payments coverage?
• Am I covered when driving on a suspended license?
• Do I have any recourse if my insurance company denies a claim?
• Can I afford low physical damage deductibles?
• What is UM/UIM insurance?
• Is my teenager covered with friends in the car?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete your zip code. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2014 Lexus IS 350.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance – Liability insurance will cover damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things like medical expenses, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for bills like nursing services, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance covers damage to your IS 350 caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, hitting a mailbox, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage – This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle and theft. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.