Cheaper 2013 Lexus IS 250 C Insurance Rates

Feel like you’re a prisoner to an expensive auto insurance policy? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out.

Companies like State Farm, Allstate, Geico and Progressive constantly bombard you with advertising and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.

It’s a good habit to do rate comparisons before your next renewal because insurance prices are constantly changing. Just because you found the lowest price for IS 250 C coverage a year ago you will most likely find a better rate quote today. Ignore everything you know about auto insurance because you’re about to learn the easiest way to eliminate unnecessary coverages and save money.

Informed consumers can reduce insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for insurance. When you understand what impacts premium levels, this allows you to make educated decisions that may result in lower rates.

  • Alarms and GPS tracking lowers prices – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • Why do you need liability insurance? – The liability coverage on your policy will afford coverage when you are found to be at fault for damages from an accident. This coverage provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Choose high crash test ratings and save – Vehicles with high crash test scores tend to have better insurance rates. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means less claims paid which can mean better rates for you. If your Lexus IS 250 C has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Filing policy claims can cost you more – Insurance companies generally give lower rates to people who do not file claims often. If you frequently file small claims, you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Gender and car insurance prices – The statistics show women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Both genders cause accidents at a similar rate, but guys cause more damage and cost insurance companies more money. They also get more serious tickets like driving under the influence (DUI).

Cheaper rates by taking advantage of discounts

Companies offering auto insurance don’t list every discount they offer very clearly, so below is a list both the well known as well as some of the hidden credits available to you. If you are not receiving all the discounts you qualify for, you may be paying too high a price.

  • Driving Data Discount – Insureds who allow driving data submission to scrutinize vehicle usage by using a telematics device such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
  • Safety Restraint Discount – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • College Student – Children who live away from home to go to college and do not have a car could get you a discount.
  • E-sign Discounts</strong – A handful of insurance companies will provide an incentive for completing your application on the web.
  • Active Military Service – Being deployed in the military can result in better rates.
  • Senior Citizens – Drivers over the age of 55 could receive a discount up to 10% for IS 250 C coverage.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Responsible Drivers – Drivers without accidents may receive a discount up to 45% for IS 250 C coverage as compared to drivers with claims.
  • Multi-line Discount – Companies who offer life insurance give a small discount if you purchase a life insurance policy as well.

Discounts reduce rates, but you should keep in mind that many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

Popular insurance coverage companies and a selection of discounts can be found below.

  • Geico offers discounts including seat belt use, multi-policy, emergency military deployment, multi-vehicle, membership and employees, and federal employee.
  • Auto-Owners Insurance may have discounts that include multi-policy, multiple vehicles, anti-lock brakes, teen driver, and anti-theft.
  • American Family has savings for multi-vehicle, Steer into Savings, good student, air bags, TimeAway discount, and good driver.
  • Esurance policyholders can earn discounts including multi-car, multi-policy, renters, emergency road assistance, Pac-12 alumni, and online quote.
  • Progressive has discounts for homeowner, continuous coverage, multi-policy, online quote discount, good student, and online signing.
  • State Farm offers premium reductions for Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, passive restraint, accident-free, student away at school, and multiple autos.
  • AAA offers discounts for multi-policy, pay-in-full, anti-theft, multi-car, AAA membership discount, and good driver.

When getting a coverage quote, ask each company the best way to save money. Some of the discounts discussed earlier may not apply everywhere.

How much insurance coverage do I need?

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight whether your personal situation may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • Can my teen drive my company car?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I drive in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • Exactly who is provided coverage by my policy?
  • What if I don’t agree with a claim settlement offer?
  • When should I not file a claim?
  • When would I need additional glass coverage?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Information about specific coverages

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Liability insurance – This provides protection from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

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 liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like bail bonds, funeral expenses, court costs, emergency aid and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, damage from getting keyed, a broken windshield and theft. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Lexus IS 250 C.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for bills such as chiropractic care, pain medications, doctor visits, X-ray expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage – Collision insurance pays for damage to your IS 250 C resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, driving through your garage door, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Don’t break the bank

Some insurance coverage companies may not offer the ability to get quotes online small insurance companies prefer to sell through local independent agents. Affordable 2013 Lexus IS 250 C insurance is attainable from both online companies and also from your neighborhood agents, and you need to price shop both to have the best rate selection.

In this article, we presented a lot of ways to save on 2013 Lexus IS 250 C insurance. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. Drivers may discover the most savings is with some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, Geico and Nationwide.

More tips and info about insurance coverage can be found in the articles below:

Comments About 2013 Lexus IS 250 C Insurance

  1. Rebbecca Mcfadden

    Corporate greed I’m telling you. I’m just north of Columbus, GA. Got free quotes online for a 2013 Lexus IS 250 C. Ended up at about $100 savings annually. Went with Allstate. Left USAA to switch. Even increased my liability limits.

  2. Dominique Ortiz

    I live just outside Overland Park, KS. I got free prices from Allstate, Auto-Owners, and Farmers for my 2013 Lexus IS 250 C and saved just over $540 a year. I recommend comparing lots of rates.

  3. Vivienne Maldonado

    Is 21st Century or Farmers cheap in Kailua, HI?

  4. Deb Nash

    Like your site, BTW. Found cheapest coverage with Safeco for my Lexus and saved about $460 a year. BTW speeding tickets are not good.

  5. September Keller

    Cheaper car insurance is a myth. Live in the southern part of Juneau, AK. Received prices from AAA, Esurance, and Mercury for my IS 250 C and saved just over $460 a year. :)

  6. Kristofer Hanson

    All companies are crooks. I live on the east side of West Valley City, Utah. Quoted prices online for a 2013 Lexus IS 250 C. Ended up at about $130 savings annually. Went with Allstate. Hardly afford to drive anymore.

  7. Bennie Shields

    Will 21st Century cancel me for an at-fault accident?

  8. Hermine Everett

    I’m looking for cheaper coverage. I live east of Buffalo, New York. I compared lots of rates. Saved right around $70 a month. State Farm was the most affordable for me. I get a discount for insuring multiple vehicles.

  9. Chasidy Matthews

    Corporate greed I’m telling you. From northwest of Charleston, SC. I compared lots of rates. Saved darn near $70 a month. Progressive was the best choice for me. It never hurts to quote around.

  10. Kassandra Garza

    I live in Miami, FL. Received prices from Amica, Mercury, and some smaller one I can’t remember the name of for my Lexus and am saving around $470 a year. Was with Travelers. Thankfully I have a good driving record.

  11. Connie Evans

    From west side of Atlanta, GA and for me Progressive had the lowest quote. Was with MetLife. Still almost need a second mortgage.

  12. Felice Horne

    Where can I find cheaper car insurance in Tampa, FL?