1991 Lexus ES 250 Insurance Rates

Scraping up a payment for overpriced Lexus ES 250 insurance can take a big chunk out of your checking account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every provider to discover the definitive lowest price

How to Get Insurance Comparison Quotes

There are several ways to shop for Lexus ES 250 insurance, but one way is less time-consuming than others. You can spend countless hours talking about coverages with agents in your area, or you could use online quoting to achieve your goal.

The majority of car insurance companies participate in a marketplace where insurance shoppers submit their information once, and each participating company returns a competitive quote. This system prevents you from having to do quotation requests to every company.

To compare 1991 Lexus ES 250 rates using this form now click here to start a free quote.

The only drawback to using this type of form is you are unable to specify the companies to get pricing from. So if you prefer to choose specific providers for rate comparison, we have a listing of companies who write insurance in your area. View list of insurance companies.

However you get your quotes, be sure to compare identical coverages for each comparison quote. If you have different limits and deductibles on each one then you won’t be able to make a fair comparison for your Lexus ES 250. Slightly different coverages may result in large price differences. And when comparing insurance rates, know that obtaining a wide range of quotes helps locate the best price.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you quote, but some may not be applied and must be specifically requested before being credited.

  • Homeowners Pay Less – Being a homeowner may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • E-sign – A handful of insurance companies may give you up to $50 just for signing your application online.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Bundle and Save – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, insurance coverage companies aren’t that generous. Any qualifying discounts will help reduce your overall premium however.

Insurance companies that possibly offer these benefits include:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts may not be available in your area.

Lexus ES 250 insurance rates have many determining factors

It’s important that you understand the factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

The list below includes some of the items companies use to determine prices.

  • No coverage gaps is important – Allowing your auto insurance policy to lapse is a quick way to pay more for auto insurance. And not only will your rates increase, failure to provide proof of insurance might get you a revoked license or a big fine.You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Better crash test results mean better rates – Vehicles with high crash test scores can get you lower premiums. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Lexus is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Traffic violations increase rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one moving violation can boost insurance rates twenty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • The more you drive the more you pay – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies apply a rate determined by how the vehicle is used. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage shows the proper vehicle usage. Incorrect usage on your ES 250 may be wasting your money.
  • Do you need the policy add-ons? – There are a ton of extra coverages that you can get tricked into buying when buying auto insurance. Things like rental car reimbursement, accidental death and membership fees are some examples. They may seem like a good idea when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Mature drivers pay less – Teen drivers tend to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, file fewer claims and are safer drivers.
  • Clean credit earns discounts – Credit score is a huge factor in calculating your auto insurance rates. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit scores. If your credit history is low, you could pay less to insure your 1991 Lexus ES 250 by improving your credit score.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

Do I just need basic coverages?

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining whether your personal situation may require specific advice.

  • Do I need more liability coverage?
  • Am I covered when driving someone else’s vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I make deliveries for my home business?
  • What is roadside assistance coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I drive in Mexico and have coverage?
  • Do all my vehicles need collision coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, a broken windshield, fire damage, a tree branch falling on your vehicle and falling objects. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage covers damage to your ES 250 from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Auto liability insurance

Liability coverage will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles, medical services, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Lexus ES 250.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for chiropractic care, nursing services, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Compare but don’t skimp

As you prepare to switch companies, never reduce needed coverages to save money. There are too many instances where someone sacrificed liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.

Cheaper 1991 Lexus ES 250 insurance is possible from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

More tips and info about insurance coverage is located in the articles below: