2015 Lexus IS 250 C Car Insurance Quotes – 9 Discounts for Best Rates

Finding the lowest price insurance may seem to be challenging for drivers that are relatively new to comparing and buying insurance on the internet. With more and more online companies, how are drivers expected to have a chance to compare the different rates to find lower insurance premiums?

It is always a good idea to get comparison quotes before your next renewal because prices tend to go up over time. Just because you found the best deal for IS 250 C insurance a couple years back you can probably find a better rate quote now. Ignore everything you know about insurance because we’re going to show you the things you must know in order to save money, get proper coverage and the best rates.

How to compare insurance price quotes

Comparing insurance rates can take hours if you don’t understand the fastest way to get free quotes. You could waste time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to maximize your effort.

The majority of car insurance companies belong to an insurance system where prospective buyers submit their information once, and at least one company then returns a price quote. This system prevents you from having to do quotation requests for each company. To find out what other companies charge click here (opens in new window).

The single downside to comparing rates this way is you cannot specify which companies you will receive quotes from. So if you want to choose from a list of companies to compare rates, we have a listing of insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you use the same coverage information on every quote. If your comparisons have higher or lower deductibles it will be very difficult to decipher which rate is best. Having just a slight variation in limits can mean a large discrepancy in price. And when comparison shopping, having more price comparisons will increase your chances of finding a better price. Not every company does online rate quotes, so it’s necessary to compare price estimates from them, too.

Does auto insurance advertising bend the truth?

Companies like Progressive, Geico, Allstate and State Farm seem to constantly run ads on television and other media. All the companies advertise the message that drivers will save a bundle just by moving your policy. How is it possible that every company can charge you less for car insurance? It’s all in the wording.

Different companies provide the lowest rates for the driver that will not have excessive claims. One example of a desirable risk may be a female over age 40, carries high limits, and drives a car with an anti-theft system. A customer getting a price quote that hits that “sweet spot” will most likely get cheap premium rates and therefore will save if they switch.

Insureds who are not a match for these stringent criteria will be quoted a higher premium and ends up with business not being written. If you pay attention, the ads say “people that switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the savings. Because of these techniques, drivers should compare quotes as often as possible. It’s just not possible to know the company that will give you the biggest savings.

Earn discounts on insurance coverage

Some providers don’t list every discount they offer in an easy-to-find place, so we took the time to find both the well known and also the more inconspicuous discounts that may be available. If they aren’t giving you every credit you deserve, you are just wasting money.

  • Claim-Free Discount – Insureds with no claims or accidents pay much less when compared with insureds who have frequent claims or accidents.
  • Paper-free Discount – Certain insurance coverage companies will discount your bill up to fifty bucks for buying your policy online.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more off the PIP or medical payment premium.
  • Employee of Federal Government – Having worked for a branch of the government can save as much as 8% for IS 250 C insurance with select insurance companies.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Liberty Mutual, Allstate and State Farm allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Low Mileage – Low mileage vehicles could be rewarded with lower insurance coveragerates due to less chance of an accident.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Professional Memberships – Being in specific professional or occupational memberships or organizations could trigger savings on your policy.

Don’t be shocked that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it’s just not the way it works.

Popular insurance coverage companies and a partial list of their discounts include:

  • State Farm may offer discounts for driver’s education, multiple autos, defensive driving training, student away at school, and Drive Safe & Save.
  • Nationwide discounts include anti-theft, easy pay, defensive driving, family plan, and multi-policy.
  • Geico policyholders can earn discounts including emergency military deployment, seat belt use, five-year accident-free, multi-vehicle, federal employee, driver training, and military active duty.
  • AAA may have discounts that include pay-in-full, education and occupation, good driver, multi-policy, multi-car, and anti-theft.
  • 21st Century offers discounts for air bags, 55 and older, homeowners, good student, and defensive driver.
  • The Hartford may include discounts for anti-theft, air bag, driver training, bundle, vehicle fuel type, and good student.

Before purchasing a policy, check with every insurance company which discounts you qualify for. A few discounts may not apply to policyholders in every state.

Tailor your insurance coverage to you

When choosing adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might help in determining if your situation would benefit from professional advice.

  • Is my nanny covered when driving my vehicle?
  • Am I covered if hit by an uninsured driver?
  • What discounts do I qualify for?
  • Is other people’s property covered if stolen from my vehicle?
  • Which companies will insure high-risk drivers?
  • What is UM/UIM insurance?
  • Are my friends covered when driving my 2015 Lexus IS 250 C?
  • Is pleasure use cheaper than using my 2015 Lexus IS 250 C to commute?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage information

Understanding the coverages of your auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Liability coverage – Liability coverage can cover damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like emergency aid, structural damage, medical expenses, bail bonds and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive auto insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, damage from getting keyed, hitting a deer and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays for damage to your IS 250 C caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like prosthetic devices, dental work, doctor visits 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. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Lexus IS 250 C.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

A tidy conclusion

More affordable auto insurance is definitely available from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and most of the time these regional insurance providers work with local independent agents.

When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your aim should be to find the BEST coverage for the lowest cost while not skimping on critical coverages.

Insureds change insurance companies for a variety of reasons including not issuing a premium refund, delays in paying claims, delays in responding to claim requests or policy non-renewal. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

More information is available on the following sites:

Comments About 2015 Lexus IS 250 C Insurance

  1. Joanne Barry

    IT’S ALL TOO EXPENSIVE! I’m in the east part of North Charleston, SC. I quoted with State Farm, Farmers, and GMAC for my 2015 Lexus IS 250 C and I’m now saving $21 a month.

  2. Jaimee Leon

    If you don’t have tickets and are close to West Valley City, UT, check out 21st Century. They seem to be cheaper. Left AAA to switch.

  3. Donn Wiley

    It’s all a rip off. Live in the eastern part of West Valley City, UT. I don’t recall every quote but I ended up saving about $50 each month. Insured with Progressive before. BTW speeding tickets are not good.

  4. Apryl Mclean

    I’m in Portland, Maine. Got quotes from Auto-Owners, Encompass, and Safeco for my 2015 Lexus IS 250 C and I’m now saving $60 a month.

  5. Alejandro Munoz

    I live just outside Davenport, IA. Received rates from Progressive, Amica, Encompass, and Hartford for my Lexus and saved $490 a year. Was with American Family. Not sure if rates are cheaper online or through an agent.

  6. Rose Guzman

    Great site. I’m from South Burlington, VT. Quoted with Progressive, American Family, and some I forget for my IS 250 C and saved $120 a year. I’m a pretty good driver though.

  7. Consuelo Savage

    IT’S ALL TOO EXPENSIVE! I live east of Bellevue, NE. Got quotes from Allstate, AAA, and Erie for my Lexus and saved $91 a year. Moved home policy as well. Bought it from an online quote.