Best Insurance for a Lexus IS 350 in Phoenix

Insurance quote for Lexus IS 350 in PhoenixTrying to come up with a payment for overpriced car insurance can eat up your monthly budget and force you to make tough financial choices. Comparing rate quotes can be a smart way to ensure you are getting the best deal.

Unthinkable but true, most consumers have stayed with the same insurance company for well over three years, and about 40% of consumers have never shopped around. The average driver in Phoenix could save $700 each year, but they don’t know the large savings they would see if they switched. There are many insurers to buy insurance from, and even though it’s nice to have a choice, it can be more difficult to find the best rates for your vehicles.

Best Lexus IS 350 insurance rate quotes in Arizona

The companies shown below are ready to provide comparison quotes in Phoenix, AZ. If multiple companies are listed, it’s highly recommended you visit several of them in order to find the most affordable rates.

Lexus IS 350 Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 350 4-Dr Sedan $184 $362 $288 $18 $86 $938 $78
IS 350 C 2-Dr Convertible $250 $546 $338 $20 $102 $1,256 $105
Get Your Own Custom Quote Go

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in specific zip code location which can alter coverage rates considerably.

Lexus IS 350 annual premiums for males versus females

The chart below shows the difference between Lexus IS 350 car insurance rates for male and female drivers. The price estimates are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, single marital status, and no discounts are factored in.

Phoenix insurance discounts for a Lexus IS 350

Not many people think insurance is cheap, but you may qualify for discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you get a quote, but a few need to be requested specifically before they will apply. If you aren’t receiving every discount possible, you are not getting the best rate possible.Car insurance discounts

Discounts lower rates, but some credits don’t apply to the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may offer policyholders these money-saving discounts include:

When getting free Phoenix auto insurance quotes, it’s a good idea to every insurance company what discounts are available to you. Some discounts might not be offered in every state. If you would like to choose from a list of companies with significant discounts in Phoenix, click this link.

Educated Choices Result in Lower Insurance Premiums

The best way to find cheaper auto insurance is to take a look at the different types of things that aid in calculating auto insurance rates. When consumers understand what controls the rates you pay, this enables you to make decisions that will entitle you to big savings.

The items below are most of the major factors that factor into your rates.

Car insurance is unique, just like you

Keep in mind that when it comes to choosing your policy, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply.Higher deductibles save money
For instance, these questions can aid in determining whether you would benefit from professional advice.

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Compare rate quotes but buy from a neighborhood Phoenix auto insurance agent

Many people just prefer to talk to a local agent and that is just fine! Insurance agents will help you protect your assets and will help you if you have claims. The best thing about comparing auto insurance online is that you can find lower car insurance rates but also keep your business local.

Upon completion of this simple form, your insurance coverage information is emailed to local insurance agents in Phoenix who will gladly provide quotes to get your business. It simplifies rate comparisons since you won’t have to do any legwork because prices are sent directly to you. If you wish to compare rates from a particular provider, feel free to find their quoting web page to submit a rate quote request.

Deciding on a company needs to be determined by more than just the quoted price. Any agent in Phoenix should be willing to answer these questions.

Choose an insurance agent wisely

When finding a reputable agency, you need to know there are two types of agencies and how they function. Auto insurance agencies are categorized either independent (non-exclusive) or exclusive. Both types can provide auto insurance policies, but we need to point out how they are different because it may have an impact on the selection process.

Exclusive Auto Insurance Agencies

These agents generally can only insure with one company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are very knowledgeable on sales techniques and that enables them to sell even at higher rates.

The following is a short list of exclusive insurance agencies in Phoenix that are able to give price quotes.

1717 E Bell Rd #7Phoenix, AZ 85022(602) 788-5359View Map

7207 N 7th StPhoenix, AZ 85020(602) 906-0299View Map

1704 W Bethany Home RdPhoenix, AZ 85015(602) 249-1037View Map

View more Phoenix agents

Independent Agencies or Brokers

Independent agents can sell policies from many different companies and that allows them to write policies through many companies and get you the best rates possible. If you want to switch companies, the business is moved internally which makes it simple for you.

When shopping rates, you definitely need to include rate quotes from at a minimum one independent agency to ensure the widest selection of prices.

Listed below are independent insurance agents in Phoenix that are able to give rate quotes.

4411 N 19th AvePhoenix, AZ 85015(800) 972-1893View Map

919 N 1st StPhoenix, AZ 85004(602) 264-0566View Map

2880 E Northern Ave #100Phoenix, AZ 85028(602) 992-9750View Map

View more Phoenix agents

Well known brands might not be cheapest

Consumers in Arizona can’t escape the ads that claim the lowest rates from companies such as State Farm, Allstate and GEICO. They all seem to seem to make the promise of big savings if you get a free Phoenix auto insurance quote and switch your policy.

How is it plausible that every one can charge lower premium rates? It’s all in the numbers.

Auto insurance companies have strict underwriting profiles for the type of driver that will not have excessive claims. For example, a preferred risk might have to be between the ages of 30 and 50, has no prior claims, and has a high credit rating. Anybody who fits those characteristics will most likely get cheap premium rates as well as save a lot of money.

Insureds who are not a match for this ideal profile must pay higher prices and this results in the customer buying from someone else. The wording the ads use say “people who switch” not “everyone who quotes” will save that much if they switch. That’s why companies can truthfully make it sound like they have such great premium rates. Because of the profiling, you need to compare free Phoenix auto insurance quotes often. It is just not possible to predict with any certainty which company will provide you with the cheapest Lexus IS 350 insurance in Phoenix.

Smart shoppers get results

As you quote Phoenix auto insurance, never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at the best possible price, not the least amount of coverage.

In this article, we presented some good ideas how to lower your Lexus IS 350 insurance prices in Phoenix. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even be surprised to find that the best price on car insurance is with an unexpected company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

More detailed car insurance information is located at these sites: