Lexus IS 350 Insurance Quotes in Long Beach

How long have you put off shopping around for more affordable Lexus IS 350 insurance in Long Beach? If you are new to online insurance, it’s easy to get bewildered thanks to the incredible selection of companies all advertising big savings for Lexus IS 350 insurance in Long Beach.

How to find more affordable Lexus IS 350 insurance in Long Beach

It takes a few minutes, but the best way to get affordable Lexus IS 350 insurance in Long Beach is to compare prices once a year from companies that insure vehicles in California.

1. Try to learn about how companies price auto insurance and the changes you can make to prevent high rates. Many risk factors that cause high rates such as at-fault accidents, speeding tickets, and an unacceptable credit rating can be rectified by improving your driving habits or financial responsibility. This article provides additional tips to help keep prices low and find more discounts that you may not know about.
2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple companies.
3. Compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.
4. Provide notification to your current company of your intent to cancel your current car insurance policy. Submit a completed policy application and payment to the new company. Immediately put the proof of insurance certificate above your visor, in the console, or in the glove compartment.

An essential thing to point out is to compare identical coverages on every price quote and and to get rate quotes from every insurance company. This provides a fair price comparison and plenty of rates choose from.

Anyone knows that insurance companies don’t want their policyholders to compare prices. Drivers who compare rates at least once a year will presumably switch insurance companies because there is a good probability of finding coverage at a cheaper rate. A recent insurance study discovered that consumers who routinely shopped around saved on average $3,400 over four years compared to those who don’t make a habit of comparing rates.

If finding budget-friendly insurance in Long Beach is your ultimate objective, understanding the best way to quote and compare insurance premiums can help make the process easier and more efficient.

You should take the time to check insurance prices before your next renewal because prices change frequently. Even if you think you had the best rate on Lexus IS 350 insurance in Long Beach two years ago the chances are good that you can find a lower premium rate today. There is a lot of bad advice regarding IS 350 insurance online but in a few minutes you can learn some solid techniques on how to lower your insurance bill.

Buying affordable auto insurance in Long Beach seems hard but is not really that difficult. If you have insurance now, you stand a good chance to be able to get lower rates using the following tips. But California car owners can benefit from knowing the way companies determine premium rates because it varies considerably.

To find cheap quotes, there are a couple of ways of comparing rates from many available insurance companies in California. The recommended way to find the cheapest Lexus IS 350 insurance rates is to get quotes online.

Just keep in mind that obtaining a wide range of quotes helps you find better pricing. Not every company allows you to get online Long Beach IS 350 insurance quotes, so it’s important to also get rates from those companies as well.

The car insurance companies shown below have been selected to offer price comparisons in California. In order to find cheap car insurance in California, we recommend you visit as many as you can to get the best price comparison.

Discounts mean cheaper rates for Lexus IS 350 insurance in Long Beach

Some providers do not advertise every discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known credits available to you.

• Early Signing – Some insurance companies provide a discount for switching policies prior to the expiration date on your current IS 350 insurance policy. This discount can save up to 10%.
• No Accidents – Good drivers with no accidents can earn big discounts compared to insureds who have frequent claims or accidents.
• Student Discounts – Getting good grades could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.
• Life Insurance Discount – Select insurance companies reward you with a small discount if you purchase auto and life insurance together.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

The example below illustrates the comparison of Lexus IS 350 insurance rates with and without discounts applied to the policy premium. The prices are based on a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-car, multi-policy, and claim-free discounts applied.

The best insurance companies and the discounts they provide include:

• GEICO may offer discounts for air bags, federal employee, seat belt use, anti-theft, and anti-lock brakes.
• Mercury Insurance may include discounts for professional/association, type of vehicle, good driver, multi-policy, multi-car, ease of repair, and good student.
• Farmers Insurance offers discounts for teen driver, electronic funds transfer, switch companies, alternative fuel, and youthful driver.
• Auto-Owners Insurance offers premium reductions for good student, paperless, multi-policy, paid in full, and company car.
• Liberty Mutual has discounts for newly married, new graduate, hybrid vehicle, exclusive group savings, newly retired, and preferred payment discount.
• SAFECO policyholders can earn discounts including drive less, teen safe driver, teen safety rewards, multi-car, bundle discounts, and anti-theft.
• Progressive has savings for online signing, homeowner, good student, multi-vehicle, and continuous coverage.
• USAA includes discounts for good student, military installation, driver training, annual mileage, multi-policy, defensive driver, and vehicle storage.

Check with all the companies how many discounts you can get. Some of the earlier mentioned discounts may not apply to policies in every state. If you would like to see a list of insurance companies that have a full spectrum of discounts in California, click here to view.

Analysis of coverages

The data table displayed below showcases different insurance prices for Lexus IS 350 models. Being more informed about how policy rates are figured can be valuable when making decisions when choosing a new policy provider.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can influence premium rates greatly.

Rate comparison for different deductibles

When buying insurance, a common question is where should you set your physical damage deductibles. The figures shown below may help you to understand how much more you’ll pay when you select higher and lower deductibles. The first price estimate table uses a $100 deductible and the second pricing table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in garaging location in Long Beach which can affect auto insurance rates substantially.

Based on the figures above, using a $100 deductible will cost in the ballpark of $38 more each month or $456 for a full year than requesting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have more than 11 months between claims, you would most likely save money going with the higher deductible.

How Your IS 350 Insurance Rates are Determined

Consumers need to have an understanding of the different types of things that aid in calculating your policy premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that can earn you big savings. Many things are considered when pricing auto insurance. Some are pretty understandable such as traffic violations, but some are less apparent like where you live or how safe your car is.

The items below are just a few of the factors used by companies to determine your rate level.

• Discounts for theft deterrents – Choosing to buy a car that has an advanced theft prevention system can save you some money. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
• Frequent car insurance claims increase rates – If you file claims often, you can expect higher premiums or even policy non-renewal. Companies in California provide lower rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
• A policy lapse is a bad thing – Having an insurance coverage lapse can be a fast way to increase your rates. Not only will you pay higher rates, failure to provide proof of insurance may result in a revoked license or a big fine. You may need to file a SR-22 with the California department of motor vehicles.

• Traffic violations hurt – Good drivers pay less for auto insurance as compared to careless drivers. Getting just one speeding ticket or other violation can boost insurance rates substantially. Drivers who have gotten multiple violations such as hit and run, DWI or reckless driving convictions may find that they have to to maintain a SR-22 with their state’s licensing department in order to prevent their license from being revoked.

  The chart below illustrates how speeding tickets and at-fault fender-benders can impact Lexus IS 350 annual premium costs for each different age category. The data is based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

• Policy add-ons add up – There are quite a few add-on coverages that can add up if you aren’t diligent. Coverage for things like personal injury protection, high-cost glass coverage, and term life insurance are probably not needed. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so get rid of them and save.
• City dwellers may pay more – Having an address in a small town can be a good thing when trying to find low car insurance rates. Fewer drivers on the road means reduced accidents. Drivers in populated California areas regularly have more auto accidents and more time behind the wheel. More time on the road means more chances of being involved in an auto accident.
• Do you have a demanding employer? – Do you have a high-stress occupation? Jobs such as fire fighters, executives, and accountants generally have higher premium rates attributed to high stress levels and incredibly demanding work hours. Other professions such as farmers, engineers and retirees pay lower than average rates.

• Do women or men drive better? – Over time, data shows women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. They both have accidents at a similar rate, but guys cause more damage and cost insurance companies more money. Not only that, but men also receive more major tickets such as DWI and reckless driving.

  The illustration below visualizes the comparison of Lexus IS 350 car insurance costs for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no additional discounts are factored in.

• Lexus IS 350 claim data – Insurers analyze claim trends for every vehicle when setting rates for each model. Models that statistically have increased losses will have higher premium rates. The table below demonstrates the compiled insurance loss statistics for Lexus IS 350 vehicles.

  For each coverage category, the statistical loss for all vehicles averaged together is considered to be 100. Values that are 100 or less suggest losses that are better than average, while numbers that are greater than 100 point to more losses or statistically larger claims.

  
  

  Insurance Loss Ratings for Lexus IS 350 Vehicles

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Lexus IS 350 4dr 2WD	165	88	186	101
  Lexus IS 350 4dr 4WD	200	72	206
  Lexus IS 350 Convertible	98

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years