View 2013 Lexus IS 250 Insurance Rates

Searching for better car insurance rates for your Lexus IS 250? Having to pay for pricey car insurance can stress out your monthly budget and make it impossible to make ends meet. Having so many different company options, it’s nearly impossible to find a more affordable insurance company.

It’s a good idea to compare premium rates occasionally since rates are adjusted regularly by insurance companies. Just because you found the best premium rates on IS 250 coverage two years ago there may be better deals available now. Block out anything you think you know about car insurance because you’re going to get a crash course in the tricks you need to know to lower your annual insurance bill.

Cut your insurance rates with discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts that you may not know about. A few discounts will be applied when you purchase, but occassionally some discounts must be asked about prior to getting the savings.

• First Accident Forgiveness – but some insurance companies will allow you to have one accident without raising rates with the catch being you have to be claim-free for a set time period.
• Claim Free – Drivers who don’t have accidents pay much less in comparison with accident-prone drivers.
• Good Student – Excelling in school may save as much as 25% on a auto insurance quote. Earning this discount can benefit you well after school through age 25.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

Large insurance companies and a selection of discounts can be read below.

• 21st Century may have discounts that include good student, early bird, anti-lock brakes, driver training, air bags, theft prevention, and homeowners.
• Progressive offers discounts including online signing, good student, homeowner, online quote discount, and multi-policy.
• State Farm has savings for Steer Clear safe driver discount, passive restraint, driver’s education, good driver, accident-free, defensive driving training, and student away at school.
• Nationwide offers premium reductions for multi-policy, business or organization, family plan, Farm Bureau membership, and accident-free.
• Esurance includes discounts for online quote, good student, anti-theft, claim free, safety device, defensive driver, and anti-lock brakes.
• The Hartford offers discounts for air bag, good student, driver training, vehicle fuel type, defensive driver, and anti-theft.

It’s a good idea to ask all companies you are considering to apply every possible discount. Discounts may not apply to policies everywhere. To choose insurance companies with discount rates, click here to view.

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How to compare insurance coverage quotes

Cutting your insurance coverage rates is a fairly straight forward process. Consumers just need to take the time getting comparison quotes online with multiple companies. This can be accomplished using one of these methods.

Probably the best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This style of form eliminates the need for separate quotes for every prospective company. In just a few minutes this one form gets coverage cost estimates from many national carriers.

A harder way to get comparison quotes requires you to visit each company’s website to request a price quote. For example, we’ll assume you want to compare rates from Auto-Owners, Safeco and Progressive. To do that, you would have to go to each individual site and type in your information over and over, which is why the first method is more popular.

To view a list of companies in your area, click here.

The least recommended way to compare price estimates is physically going to each insurance agency near you. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the trained advice that only an agent can give. You can, however, comparison shop your insurance online but buy from a local insurance agent.

The method you choose is up to you, but ensure you’re using exactly the same deductibles and coverage limits on every price quote you get. If you use differing limits it will be next to impossible to make a fair rate comparison.

You are unique and your auto insurance should be too

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining if you could use an agent’s help.

• Can my teen driver be rated on a liability-only vehicle?
• Why do I only qualify for high-risk insurance?
• How can I force my company to pay a claim?
• Is upholstery damage covered by car insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Will my insurance pay for OEM parts?
• What happens if I owe more than my 2013 Lexus IS 250 is worth?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Am I covered if I hit a deer?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Car insurance policy specifics

Having a good grasp of your car insurance policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.

Collision coverage

Collision coverage pays for damage to your IS 250 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability

This can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things like structural damage, medical expenses and funeral expenses. How much coverage you buy is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Lexus IS 250.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like funeral costs, pain medications, EMT expenses, ambulance fees and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Don’t be a big spender

We just covered quite a bit of information on how to save on 2013 Lexus IS 250 insurance. The key thing to remember is the more you quote auto insurance, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies. These companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Geico and State Farm.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

Budget-friendly insurance can be purchased on the web and with local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not provide price quotes online and most of the time these small, regional companies only sell coverage through independent agents.

Helpful learning opportunities

• Think You’re a Safe Driver? (State Farm)
• Booster Seat Ratings (iihs.org)
• Child Safety FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)

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