2012 Lexus HS 250h Car Insurance Cost – 9 Ways to Save

Looking for cheaper auto insurance rates for your Lexus HS 250h? Finding the best price on auto insurance can seem complicated if you haven’t ever used online price comparisons. But don’t be bewildered because comparing prices is actually very simple.

The easiest way to get policy rate comparisons is to take advantage of the fact most insurance companies participate in a system to give rate comparisons. To start a quote, the only thing you need to do is provide the companies a bit of rating information including whether or not you need a SR-22, an estimate of your credit level, how much school you completed, and how much coverage you want. That rating information is automatically sent to multiple different insurance companies and they return rate quotes instantly to find the best rate.

To start a quote now, click here and find out if you can get cheaper insurance.

Save $405 a year! What?

Companies like State Farm and Allstate seem to constantly run television, radio, and online ads. All the ads say the same thing about saving some big amount just by moving to their company. How is it plausible that every one can give you a lower rate? It’s all in the wording.

Insurance providers have a preferred profile for the type of insured that is profitable for them. One example of this type of insured should be between 30 and 50, has a clean driving record, and drives a car with an anti-theft system. A propective insured who fits that profile will most likely get cheap prices and most likely will save some money.

Potential insureds who fall outside those criteria will have to pay more expensive rates and this can result in the customer not purchasing. If you listen to the ad wording, they say “drivers who switch” not “everyone who quotes” save money. That’s why insurance companies can advertise the savings. Because of the profiling, you should compare as many free auto insurance quotes as you can. It’s not possible to predict which company will have the lowest premium rates for your situation.

Drivers can save with these nine premium-slashing discounts

Not too many consumers would say auto insurance is affordable, but companies offer discounts that many people don’t even know exist. Some trigger automatically at quote time, but a few must be inquired about before being credited.

  • More Vehicles More Savings – Purchasing coverage when you have primary and secondary vehicles on one policy can get a discount for every vehicle.
  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
  • Low Mileage Discounts – Fewer annual miles on your Lexus can earn better prices on cars that stay parked.
  • Good Student Discount – Performing well in school can save 20 to 25%. You can use this discount normally up until you turn 25.
  • ABS Brakes – Cars with anti-lock braking systems are much safer to drive and will save you 10% or more.
  • First Accident Forgiveness – Not really a discount, but some companies like State Farm and Progressive may permit one accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
  • Sign Online – Certain insurance companies will discount your bill up to fifty bucks get auto insurance on your computer.

Don’t be surprised that most discounts do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic.

Large auto insurance companies and the discounts they provide are included below.

  • State Farm has discounts for Drive Safe & Save, driver’s education, defensive driving training, passive restraint, and accident-free.
  • Geico offers discounts for anti-lock brakes, daytime running lights, good student, driver training, multi-policy, and federal employee.
  • Progressive may offer discounts for multi-policy, good student, continuous coverage, multi-vehicle, homeowner, online signing, and online quote discount.
  • 21st Century offers premium reductions for 55 and older, student driver, defensive driver, homeowners, and anti-lock brakes.
  • American Family may include discounts for mySafetyValet, good student, Steer into Savings, air bags, early bird, good driver, and multi-vehicle.
  • The Hartford includes discounts for defensive driver, anti-theft, good student, bundle, vehicle fuel type, and air bag.
  • AAA may have discounts that include good student, pay-in-full, anti-theft, AAA membership discount, and good driver.

If you need lower rates, check with all companies you are considering how you can save money. Some credits might not be offered on policies in every state. To locate providers that offer multiple discounts, click here.

Do I need special coverages?

When it comes to buying coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining whether or not you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I required to buy liability insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is extra glass coverage worth it?
  • Should I waive the damage coverage when renting a car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage information

Understanding the coverages of auto insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability – Liability insurance provides protection from damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like medical services, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, a broken windshield, falling objects, theft and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for bills for pain medications, X-ray expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your HS 250h resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a parking meter, scraping a guard rail, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2012 Lexus HS 250h.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

The best insurance company isn’t always the cheapest

Insureds leave their current company for a variety of reasons including high prices, an unsatisfactory settlement offer, questionable increases in premium and denial of a claim. It doesn’t matter what your reason, switching companies is actually quite simple.

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to discover later that it was a big mistake. The aim is to buy enough coverage at the lowest possible cost, not the least amount of coverage.

Some insurance companies may not offer internet price quotes and these smaller providers only sell through independent agents. Cost effective 2012 Lexus HS 250h insurance can be bought online as well as from insurance agents, and you need to price shop both to get a complete price analysis.

Much more information about insurance can be read on the following sites:

Comments About 2012 Lexus HS 250h Insurance

  1. Maryln Mason

    Got a quote with Hanover for my 2012 Lexus HS 250h and saved around $100 a year. Left Travelers to switch. Might find lower rates online.

  2. Davina Ingram

    Will State Farm cancel me for an at-fault accident?

  3. Vincent Terrell

    Corporate greed I’m telling you. I’m in the south part of Idaho Falls, ID. Quoted prices online for a 2012 Lexus HS 250h. Ended up at about $570 savings annually. Went with Progressive.

  4. Marvis Trevino

    Proud to be from Columbia, SC. Got car insurance quotes from Auto-Owners, MetLife, and a few others for my 2012 Lexus HS 250h and I think I cut my rates about $40 each month. Insured with Hartford before. My new agent seems to be really good.

  5. Yvone Patrick

    This is too expensive. Located in Great Falls, MT. Got car insurance rates from Nationwide, Esurance, GEICO, and AIG Insurance for my 2012 Lexus HS 250h and saved just over $440 a year. Have a couple speeding tickets too. LOL

  6. August Galloway

    Here’s my quote info. Quoted with Erie for my Lexus and cut my rates about $530 a year. Just waiting to see how claims go.

  7. Keren Cannon

    Nice post. Went with AIG Insurance for my 2012 Lexus HS 250h and saved around $290 a year. Still almost need a second mortgage.

  8. Retta Small

    Cheapest quote for my 2012 Lexus HS 250h was with Eastwood. Insured with Mercury before.

  9. Verline Patterson

    Hope my car insurance gets cheaper. From Rochester, Minnesota. Can’t remember who all I quoted but I ended up saving about $40 each month. Have a couple speeding tickets too. :)

  10. Ossie Velasquez

    Cheap is relative. I’m in Aurora, Colorado. Quoted prices from Allstate, Amica, Erie, and GMAC for my 2012 Lexus HS 250h and I’m now saving $60 a month. Switched homeowners coverage too.

  11. Darrell Hartman

    Located in Chesapeake, Virginia. Not sure of all the companies but I ended up saving about $40 each month. Was with Esurance. I think they have home insurance too.