Save Money on Lexus IS 350 Insurance in Fresno

It’s safe to conclude that insurance companies want to keep you from shopping around. People who compare rates once a year are very likely to move their business because they have a good chance of getting low-cost coverage. A study discovered that consumers who shopped around every year saved $72 a month compared to people who never compared prices.

If finding the cheapest price for insurance in Fresno is your objective, then having a grasp of how to get free comparison quotes and analyze insurance can save time, money, and frustration.

Discount Lexus IS 350 insuranceIf you want to find the absolute lowest rates, then the best way to find cheaper quotes for Lexus IS 350 insurance in Fresno is to regularly compare price quotes from insurance carriers who can sell car insurance in California. Rate comparisons can be done by following these steps.

  1. Spend some time learning about car insurance and the modifications you can make to keep rates down. Many things that are responsible for high rates such as inattentive driving and a low credit rating can be improved by making small lifestyle or driving habit changes. Continue reading for the details to get cheaper coverage and find additional discounts you may qualify for.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while agents who are independent can quote prices from many different companies. Get quotes now
  3. Compare the new rate quotes to your existing policy and determine if cheaper IS 350 coverage is available. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Notify your current company of your intent to cancel your current policy and submit the completed application along with a down payment to the new insurer. As soon as you have the new policy, keep the new certificate verifying coverage with the vehicle registration.

A crucial key to this process is that you use the same amount of coverage on each price quote and and to analyze as many car insurance companies as possible. This provides a level playing field and the best rate selection.

The car insurance companies shown below are our best choices to provide free quotes in California. If multiple companies are listed, it’s a good idea that you get prices from several of them to get the most affordable price.

Lexus IS 350 coverage statistics

The coverage table displayed next covers different insurance policy prices for Lexus IS 350 models. Being more informed about how rate quotes are calculated can be useful when making smart choices when comparing insurance rates.

Lexus IS 350 Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 350 4-Dr Sedan $258 $482 $450 $26 $134 $1,350 $113
IS 350 C 2-Dr Convertible $258 $482 $450 $26 $134 $1,350 $113
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific garaging location which can modify prices considerably.

Physical damage deductible comparison

One common question asked by Fresno drivers is how high or low should comp and collision deductibles be. The premium rates below approximate the rate difference between low and high physical damage deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Lexus IS 350 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 350 4-Dr Sedan $430 $780 $442 $26 $132 $1,835 $153
IS 350 C 2-Dr Convertible $430 $780 $442 $26 $132 $1,835 $153
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Lexus IS 350 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 350 4-Dr Sedan $266 $490 $442 $26 $132 $1,356 $113
IS 350 C 2-Dr Convertible $266 $490 $442 $26 $132 $1,356 $113
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in specific location information which can alter prices considerably.

Based on the above data, using a $250 deductible will cost you roughly $40 more each month or $480 annually than requesting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 19 months between claim filings, you would save more money by going with a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $153
Average monthly premium for $1,000 deductibles (subtract): – $113
Monthly savings from raising deductible: $40
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $40
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important caveat is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket when you file a claim. You need to have some non-essential savings in the event you have to pay the higher deductible.

The information below illustrates how your deductible choice and can change Lexus IS 350 insurance prices for each different age group. Data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Auto insurance protects more than just your car

Despite the high insurance cost for a Lexus IS 350 in Fresno, auto insurance is not optional due to several reasons.

The benefits of carrying enough insurance outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is wasting up to $869 every year so it’s important to compare rates at every renewal to help ensure money is not being wasted.

Tailor your car insurance coverage to you

When quoting and comparing a policy, there really is no perfect coverage plan. You are unique.Drive safe and save

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

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hail damage, vandalism, damage from getting keyed and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for chiropractic care, pain medications, EMT expenses, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay


Liability insurance can cover damage or injury you incur to other people or property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 15/30/5 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.

Liability insurance covers things such as legal defense fees, attorney fees, bail bonds, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as much as you can afford. California requires drivers to carry at least 15/30/5 but you should consider buying higher limits.

The chart below shows why buying low liability limits may not provide adequate coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible on your IS 350 to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Lexus IS 350.

Since a lot of drivers have only the minimum liability required by law (15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

How to find a good California auto insurance company

Choosing the right company is difficult considering how many companies sell coverage in California. The ranking information shown below can help you analyze which providers to look at when comparing rate quotes.

Top Auto Insurance Companies in Fresno
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

More effort can pay off

We just showed you quite a bit of information on how to reduce Lexus IS 350 insurance rates online in Fresno. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best rates are with a smaller regional carrier.

While you’re price shopping online, do not buy less coverage just to save a little money. There are a lot of situations where an insured cut liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

Drivers change insurance companies for a variety of reasons including questionable increases in premium, lack of trust in their agent, poor customer service or policy cancellation. It doesn’t matter why you want to switch switching car insurance companies is actually quite simple.

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