Compare Lexus IS 350 Insurance Rates in Houston

Discount Lexus IS 350 insuranceWant to learn how to save money and find lower-priced Lexus IS 350 insurance in Houston? Online rate comparisons for cheaper IS 350 insurance could seem overwhelming if you haven’t ever used online quoting. Don’t let the process intimidate you because finding lower rates for Lexus IS 350 insurance in Houston is easier than you think.

Sadly, most auto insurance buyers kept buying from the same company for over three years, and roughly 40% of drivers have never shopped around. With the average premium in Texas being $2,680, drivers could save an average of almost 70% each year just by shopping around, but they don’t believe how much savings they would realize if they bought a different policy.

Locating the most cost-effective car insurance policy in Houston is not that difficult. If you already have coverage, you will be able to get lower rates using the concepts covered in this article. But Texas vehicle owners do need to understand how big insurance companies charge you for coverage and use it to your advantage.

Best companies for competitive Lexus IS 350 insurance in Texas

The companies shown below provide free quotes in Texas. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Lexus IS 350 Insurance Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 350 4-Dr Sedan $254 $520 $514 $30 $154 $1,472 $123
IS 350 C 2-Dr Convertible $318 $660 $430 $26 $128 $1,562 $130
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price information does not factor in garaging location in Houston which can increase or decrease coverage rates substantially.

Higher deductibles save money

The diagram below illustrates how your choice of deductibles and can affect Lexus IS 350 insurance costs for different age groups. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Full coverage versus liability-only in Houston

The chart below visualizes the comparison of Lexus IS 350 insurance rates with full coverage compared to only the Texas minimum liability coverage. The prices are based on no violations or claims, $250 deductibles, married female driver, and no discounts are factored in.

When to drop full coverage

There is no definitive guideline of when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your Lexus IS 350 replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after paying your deductible. If it’s costing in excess of $800 annually for your policy with full coverage, then it might be time to buy liability only.

There are some circumstances where buying only liability insurance is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Lower-cost Lexus IS 350 insurance quotes in Houston

Car insurance is not an enjoyable expense, but you may be missing some discounts that many consumers don’t even know exist. Some of these discounts will be visible at the time of quoting, but some must be asked about before you will receive the discount.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, that’s just not realistic. Any amount of discount will bring down the amount you have to pay.

Some companies that may have many of the previously listed discounts include:

When comparing rates, check with all the companies which discounts you qualify for. Depending on the company, some discounts may not be offered in your state. To locate insurers offering car insurance discounts in Texas, click here to view.

Shop online but buy locally

Certain consumers would prefer to sit down with an agent and that is a personal choice. A nice benefit of getting online price quotes is that you can obtain lower prices and still buy from a local agent.

Houston insurance agentsOnce you complete this quick form, the quote information is immediately sent to local insurance agents in Houston that can give you free Houston auto insurance quotes for your insurance coverage. It’s much easier because you don’t need to contact any agents because prices are sent to your email. You can find the lowest rates AND an agent nearby. If you wish to get a comparison quote from a specific insurance company, you can always find their quoting web page and fill out the quote form the provide.

Selecting an provider requires you to look at more than just a cheap price. These are some valid questions you should ask.

Pick the best auto insurance agent in Houston for you

If you’re trying to find a local Houston insurance agent, there are two different types of agents and how they work. Agents are either independent or exclusive.

Exclusive Car Insurance Agencies

These agents can only provide pricing for a single company such as State Farm, Allstate and AAA. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. These agents are trained well in insurance sales which can be an advantage. Consumers sometimes use the same agent mostly because of the prominent brand name rather than having low rates.

The following is a list of exclusive agencies in Houston that are able to give comparison quotes.

More Houston agents

Independent Car Insurance Agents

These type of agents can quote rates with many companies and that is an advantage because they can write policies with a variety of different insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can switch companies and that require little work on your part.

If you need lower rates, it’s recommended you get several quotes from several independent agencies for maximum quote selection. Many write coverage with lesser-known insurance companies which can save you money.

Shown below is a list of independent agencies in Houston who can help you get price quote information.

More Houston agents

Don’t give up on affordable coverage

Some insurance providers may not provide rates over the internet and many times these small insurance companies only sell through local independent agents. Lower-priced insurance in Houston is definitely available on the web in addition to local insurance agencies, so you should compare both so you have a total pricing picture.

When shopping online for insurance, never skimp on coverage in order to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

Consumers leave their current company for many reasons like questionable increases in premium, high prices, policy cancellation and even policy non-renewal. Regardless of your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

Much more information about insurance in Texas is located at the links below