Save on 1990 Lexus ES 250 Car Insurance Cost

Scraping up a payment for expensive Lexus ES 250 insurance can deplete your checking account and possibly require postponing other expenditures. Comparison shopping is a great way to lower your monthly bill.

Lots of auto insurance companies contend for your business, and it can be difficult to compare rates and get the definite best rates possible.

It’s a good habit to shop coverage around once or twice a year because prices are variable and change quite frequently. Despite the fact that you may have had the best deal for ES 250 coverage at your last renewal you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to learn the quickest way to get good coverage at a lower rate.

Low cost car insurance prices

There are multiple methods to compare car insurance quotes, and some are easier and takes less work. You could waste a few hours driving to agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most car insurance companies participate in an industry program where prospective buyers only type in their quote data once, and each company can provide price quotes based on the submitted data. This prevents consumers from doing quotation requests to each company.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is buyers cannot specifically choose the insurers you will receive quotes from. So if you want to select specific providers to compare prices, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you are comparing apples-to-apples quote data for every company. If your comparisons have different liability limits you will not be able to truly determine the lowest rate.

Auto insurance companies offer many types of discounts

Some companies do not list every discount very well, so the list below details some of the best known and also the more inconspicuous discounts that you may qualify for.

  • Defensive Driver Discount – Participating in a course in defensive driver could possibly earn you a 5% discount and make you a better driver.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Senior Citizen Discount – If you’re over the age of 55, you may receive a slight reduction on a insurance quote for ES 250 coverage.
  • Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a insurance quote.
  • Discount for Life Insurance – Some auto insurance companies give a break if you buy a life policy as well.
  • Military Rewards – Being on active duty in the military could trigger a small discount.
  • Data Collection Discounts – Policyholders that allow their auto insurance company to track their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
  • Good Driver Discount – Drivers who avoid accidents can save as much as half off their rates for ES 250 coverage than their less cautious counterparts.
  • Discount for Swiching Early – A few larger companies allow discounts for switching companies early. This can save 10% or more.

We need to note that some credits don’t apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works.

Some of the larger companies that may have many of the previously listed discounts include:

Double check with every company how you can save money. Savings may not be available everywhere. To see companies that offer multiple discounts, click this link.

Do I just need basic coverages?

When choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. These are some specific questions can help discover if your situation might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Is pleasure use cheaper than using my 1990 Lexus ES 250 to commute?
  • Is my state a no-fault state?
  • How high should my medical payments coverage be?
  • Does my liability insurance cover pulling a trailer or camper?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • Which is better, split liability limits or combined limits?
  • Am I better off with higher deductibles on my 1990 Lexus ES 250?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Learn about car insurance coverages for a Lexus ES 250

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Comprehensive insurance – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, vandalism, hail damage and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage will pay to fix damage to your ES 250 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as court costs, repair bills for other people’s vehicles, emergency aid and attorney fees. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses for things like surgery, hospital visits, ambulance fees and pain medications. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Lexus ES 250.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comments About 1990 Lexus ES 250 Insurance

  1. Khadijah Raymond

    If you have a good history and live in the vicinity of Tacoma, WA, check out State Farm. I saved quite a bit. I have a couple other vehicles on the policy. I dropped full coverage awhile back.

  2. Domenica Cohen

    I got quite a few price quotes for a 1990 Lexus ES 250 in Fayetteville, AR. Ended up at darn near $70 every six months with AAA. I get multi-vehicle and multi-policy discounts.

  3. Maria Oneal

    From Boston, MA. Went online for free insurance quotes for a 1990 Lexus ES 250. Ended up at about $100 savings annually. Went with Allstate. I’m a pretty low risk driver. It’s still not cheap enough.

  4. Gretchen Brock

    Will Allstate raise rates if I file a claim?

  5. Sheilah Delgado

    Where is cheaper car insurance? Located in Evansville, IN. I got free prices from AAA, Mercury, and Travelers for my ES 250 and I think I cut my rates about $20 each month. Left Amica to switch.

  6. Johnson Sanchez

    Where is cheaper car insurance? I’m in the east part of Seattle, WA. Compared rates from a lot of places. Saved about $20 a month. Allstate was the cheapest for me. Insured with Safeco before. I get multi-vehicle and multi-policy discounts. Online quotes are the way to go.

  7. Augustus Estrada

    Progressive is decent in Kailua, Hawaii.

  8. Clifton Holcomb

    Will State Farm do a SR22 in Aberdeen, South Dakota?

  9. Larue Nicholson

    All companies are crooks. Checking in from Fargo, North Dakota. Quoted a bunch of companies. Saved roughly $20 a month. State Farm was the cheapest option for me. Insured with Hanover before. I just quoted rates online. Not worth enough to pay for comprehensive and collision.

  10. Harmony Richards

    From northwest of Nashville, Tennessee. Went online for free insurance quotes for a 1990 Lexus ES 250. Ended up at about $80 savings annually. Went with Progressive. When should I drop full coverage?

  11. Christine Zamora

    I got quite a few price quotes for a 1990 Lexus ES 250 in Colorado Springs, CO. Ended up at darn near $70 every six months with American Family. Wish I didn’t have to insure at all. Book value doesn’t justify full coverage anymore.