2014 Lexus IS 250 Insurance Cost
Trying to find cheaper auto insurance rates for your Lexus IS 250? If online auto insurance comparisons are new to you, there’s a good chance you are confused thanks to all the different types of online companies all promising to save you money.
This article will instruct you on how to get online quotes. If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. But vehicle owners must understand how the larger insurance companies market on the web and take advantage of how the system works.
Cheapest car insurance quotes
When shopping for car insurance there are multiple ways to get quotes from all the different companies. The fastest way to compare 2014 Lexus IS 250 insurance prices involves getting comparison quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.
The simplest way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This form keeps you from doing separate forms for each company. One quote request will get you price quotes from multiple companies. This is perfect if you don’t have a lot of time.
A more time consuming way to find more affordable insurance is going to the website of each company and fill out a new quote form. For instance, we’ll pretend you want to view quotes from Allstate, Farmers and Geico. To get each rate you have to go to every website to input your insurance information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.
How you compare quotes is your choice, just be certain you are entering identical deductibles and coverage limits on every quote you get. If you are comparing higher or lower deductibles you can’t possibly make a fair comparison for your Lexus IS 250. Having just a slight variation in coverage limits may result in large price differences. And when comparing car insurance rates, know that having more price comparisons will increase your chances of finding a lower rate. Not every company provides quotes online, so it’s important to compare prices from those companies as well.
Auto insurance discounts are available to cut your rates
Some insurers do not list all possible discounts very well, so here is a list some of the more common and the more hidden credits available to bring down your rates.
- Defensive Driver Discounts – Successfully completing a course in driver safety is a good idea and can lower rates and also improve your driving technique.
- Telematics Data Discounts – Policyholders that allow driving data submission to look at driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
- Service Members Pay Less – Having a deployed family member could trigger a small discount.
- Include Life Insurance and Save – Insurance carriers who offer life insurance give a lower rate if you buy auto and life insurance together.
- Sign Online – Certain insurance companies will provide an incentive just for signing your application on the internet.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.
- Driver Education Discount – Have your child complete a driver education course in high school.
- Federal Employees – Active or former government employment can save as much as 8% on IS 250 coverage depending on your company.
Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like it’s possible to get free car insurance, auto insurance companies aren’t that generous.
If you would like to view auto insurance companies with discount rates, click here.
Everyone needs different car insurance coverages
When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.
For example, these questions could help you determine if your situation would benefit from professional advice.
- Should I get collision insurance on every vehicle?
- Is my camper covered by my car insurance policy?
- When should I buy a commercial auto policy?
- Is my Lexus IS 250 covered if I use it for business?
- How can I force my company to pay a claim?
- Does coverage extend to my business vehicle?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form.
Insurance coverage basics
Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.
Medical expense coverage – Med pay and PIP coverage kick in for short-term medical expenses for things like X-ray expenses, dental work, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2014 Lexus IS 250.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Liability auto insurance – Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for things like funeral expenses, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.
Comprehensive protection – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle, fire damage, hail damage and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage – Collision insurance pays for damage to your IS 250 resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as sideswiping another vehicle, backing into a parked car, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.
Anika Mathis
Found cheapest coverage with USAA for my IS 250 and saved about $220 a year. Good multi-policy discounts. I used their website to get prices.
Mariano Cherry
Live in the southern part of Salt Lake City, UT. Quoted a bunch of companies. Saved darn near $50 a month. Allstate was the best choice for me.
Jesus Dillard
I live on the north side of Wilmington, DE. Quoted a bunch of companies. Saved right around $30 a month. Progressive was the cheapest option for me. I even had a DUI years ago.
Camelia Wiley
Thanks for putting this site together. From west side of San Diego, CA. Quoted with Western Auto Insurance, AAA, The General, and MetLife for my 2014 Lexus IS 250 and I think I cut my rates about $50 each month.
Brande Guerrero
Mine is so expensive. I’m in the west part of Gulfport, Mississippi. Compared quite a few companies. Saved about $40 a month. Allstate was the cheapest option for me. Was with Nationwide.
Bok Burnett
Mine is so expensive. Live in Provo, UT. I compared lots of rates. Saved roughly $70 a month. GEICO was the cheapest option for me.
Yahaira Patel
Good detail in your article. Proud to be from Parkersburg, West Virginia. Got free quotes online for a 2014 Lexus IS 250. Ended up at about $430 savings annually. Went with GEICO. Left Farmers to switch. Switched homeowners coverage too.
Ginny Avery
I went with GEICO at renewal. Best rates in Tacoma, Washington. I just quoted rates online.
Terresa Washington
All companies are crooks. Found cheapest coverage with Farmers for my 2014 Lexus IS 250 and am saving around $310 a year. A clean driving record helps. I got prices on the web.
Nathaniel Cameron
What exactly does liability cover?
Cuc Anthony
Proud to be from Cincinnati, OH. Quoted rates from Amica, Eastwood, and Mercury for my 2014 Lexus IS 250 and am saving around $90 a year. I’m a pretty good driver though.
Myra Mcdowell
Live in Birmingham, AL. Got car insurance quotes from Allstate, AAA, Eastwood, and The General for my 2014 Lexus IS 250 and I’m now saving $30 a month. Insured with AAA before.
Cinderella Torres
What is Underinsured Motorist coverage?
Timothy Gilliam
Anyone compare GEICO and Allstate rates in Madison, Wisconsin?
Carmela Singleton
Live in the northern part of Owensboro, KY. Can’t remember who all I quoted but I ended up saving about $50 each month. :P
Rocky Hart
From Fayetteville, AR. Quoted prices online for a 2014 Lexus IS 250. Ended up at about $120 savings annually. Went with State Farm.
Danica Lawrence
Well-written and thought out article. I live just outside Bismarck, ND. Don’t remember every company but I ended up saving about $60 each month.
Kristle Smith
Progressive was cheapest for my 2014 Lexus IS 250 in Rio Rancho, NM.
Tammara Riggs
I’m looking for cheaper coverage. I’m in the west part of Omaha, NE. Got car insurance quotes from Auto-Owners, Nationwide, and a few others for my Lexus and saved $276 a year. Are quotes cheaper online?
Cory Davenport
Affordable car insurance is a myth. Proud to be from Chesapeake, VA. Quoted quotes from AAA, MetLife, and some smaller one I can’t remember the name of for my Lexus and saved just over $140 a year.
Madlyn Jimenez
Well-written and thought out article. From Charleston, SC. Got quotes with Mercury, Encompass, GEICO, and American Family for my 2014 Lexus IS 250 and saved just over $370 a year. Insured with Hartford before. Thankfully I’m not a high risk driver.
Jazmine Campos
Got pretty cheap 2014 Lexus IS 250 insurance from GEICO in Paterson, New Jersey.
Cherise Beach
Will GEICO raise rates for a rock chip claim?
Rosanna Garza
It all costs too much. Located in Worcester, MA. Quoted prices online for a 2014 Lexus IS 250. Ended up at about $350 savings annually. Went with Progressive.
Jodee Howard
I found pretty cheap rate quotes for a 2014 Lexus IS 250 in Columbus, OH. Ended up at right around $550 every six months with AAA. Might find lower rates online.