Cheap Insurance for a Lexus IS 350 in Riverside

Insurance quote for Lexus IS 350 in RiversideIt takes a little time, but the best way to get discount auto insurance rates is to regularly compare prices from companies that insure vehicles in Riverside. Prices can be compared by following these steps.

  1. Read about how companies price auto insurance and the modifications you can make to keep rates low. Many factors that drive up the price such as your driving record and a negative credit rating can be rectified by improving your driving habits or financial responsibility.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while independent agencies can give you price quotes from multiple insurance companies.
  3. Compare the price quotes to your existing rates and determine if there is any savings. If you can save money and make a switch, make sure coverage is continuous and does not lapse.
  4. Notify your agent or company to cancel the current policy and submit payment along with a signed and completed policy application to the new insurer. Immediately keep the new certificate verifying coverage with your vehicle’s registration.

The critical component of shopping around is that you’ll want to make sure you compare the same amount of coverage on each price quote and and to compare as many companies as you can. This helps ensure the most accurate price comparison and a complete rate analysis.

It’s safe to assume that auto insurance companies don’t want you quoting rates from other companies. Drivers who shop for lower rates are likely to move their business because of the good chance of finding discount prices. A recent survey revealed that people who routinely compared quotes saved approximately $70 a month compared to drivers who never shopped for cheaper rates.

If saving money on Lexus IS 350 insurance is your ultimate target, then knowing the best way to quote and compare coverages can help you be more efficient.

Locating the most cost-effective insurance policy in Riverside is quite easy. If you are already insured or want to find a cheaper company, you can use these tips to reduce premiums without having to cut coverage. Drivers just need to learn the fastest way to find the lowest price online.

Getting a cheaper price on Lexus IS 350 insurance is surprisingly easy. The only requirement is to take the time comparing rates to discover which company has cheaper Riverside car insurance quotes.

Doing online quotes comparisons is so easy that it takes the place of having to make phone calls or go to insurance agencies in your area. The ability to quote Lexus IS 350 insurance online eliminates the middleman unless you require the advice and guidance of an agent trained in personal lines coverage. Drivers can comparison shop online and get advice from an agent in your area.

The companies in the list below offer price quotes in California. If multiple companies are shown, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Lexus IS 350 insurance coverage information

The data table shown next highlights detailed analysis of insurance prices for Lexus IS 350 models. Being able to understand how insurance policy premiums are established can benefit drivers when making informed decisions when shopping around for a new policy.


Lexus IS 350 Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 350 4-Dr Sedan $412 $912 $464 $28 $138 $1,954 $163
IS 350 C 2-Dr Convertible $412 $912 $464 $28 $138 $1,954 $163
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Table data does not factor in zip code location which can change auto insurance rates substantially.

Full coverage rates compared to liability-only

The example below compares Lexus IS 350 auto insurance rates with full coverage and liability only. The costs are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are factored in.

When to stop buying comprehensive and collision coverage

There isn’t a steadfast formula of when to phase out physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Lexus IS 350 book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after you pay the deductible. If premiums are more than $200 a year for full coverage, then you may need to consider dropping full coverage.

There are some circumstances where only buying liability is not recommended. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Insurance is unique, just like you

When buying coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.Higher deductibles save money

For instance, these questions might point out if your insurance needs might need professional guidance.

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Compare rates but buy from a neighborhood Riverside auto insurance agent

Many drivers just prefer to talk to an insurance agent and doing that can be a smart decision Experienced insurance agents are very good at helping people manage risk and help submit paperwork. The biggest benefit of getting free rate quotes online is that you can find cheap car insurance rates but still work with a licensed agent.

Insurance agency in RiversideOnce you complete this short form, your insurance data is sent to agents in your area that can provide free Riverside car insurance quotes and help you find cheaper coverage. There is no need to search for any insurance agencies since rate quotes are delivered immediately to you. In the event you want to compare rates from one company in particular, don’t hesitate to jump over to their website and fill out their quote form.

Finding the right provider requires you to look at more than just a cheap price quote. Before buying a policy in Riverside, get answers to these questions.

Riverside car insurance agents come in two flavors

If you are wanting to find a reliable insurance agency, there are a couple of different types of agencies and how they operate. Riverside agents can be described as either exclusive agents or independent agents. Either one can do a good job, but we need to point out the difference in the companies they write for since it can affect the selection process.

Exclusive Agents

Exclusive agents write business for a single company and examples are State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so they are skilled at selling on more than just price. They are usually quite knowledgeable on sales techniques which helps them compete with independent agents.

Listed below is a list of exclusive insurance agencies in Riverside who may provide you with rate quotes.


3333 Central Ave bRiverside, CA 92506(951) 367-1490View Map


3271 Arlington AveRiverside, CA 92506(951) 369-0277View Map


19318 Jesse Ln Ste 200Riverside, CA 92508(951) 222-3038View Map

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Independent Agents (or Brokers)

Agents that elect to be independent do not sell for just one brand so they can write business through lots of different companies and get the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. If you are comparing car insurance prices, you absolutely need to compare quotes from a few independent agents to ensure the widest selection of prices.

Listed below is a short list of independent agencies in Riverside that are able to give rate quotes.


6809 Indiana AveRiverside, CA 92506(877) 898-9333View Map

Atchley and Associates Insurance Services
7891 Mission Grove Pkwy SRiverside, CA 92508(951) 275-0340View Map


3694 Sunnyside DrRiverside, CA 92506(951) 683-0777View Map

More insurance agents

After you get positive feedback as well as a affordable price, chances are good that you have found an insurance agency that will insure your vehicles. It’s important to know that once you purchase a policy you can terminate coverage whenever you wish so never assume that you’re stuck with a specific agent for the full term.