2014 Lexus IS 250 C Insurance Quotes – 9 Tricks for Best Rates

Trying to find better insurance coverage rates for your Lexus IS 250 C? Having to pay for overpriced insurance coverage can dwindle your savings account and force you to make sacrifices. Comparing price quotes is a great way to reduce premiums and put more money in your pocket. There is such a variety of insurance companies to choose from, and although it’s nice to be able to choose, so many choices can make it hard to find a good deal.

Free Quotes for Insurance

Shopping for lower insurance rates can take hours if you don’t utilize the best way to get rate quotes. You can waste a lot of time talking about coverages with agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Most car insurance companies enroll in a system where prospective buyers only type in their quote data once, and at least one company can give them a price based on the submitted data. This system prevents you from having to do quote forms for every insurance company.

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

The only drawback to getting quotes like this is you can’t choose which carriers you want pricing from. If you wish to select specific providers to compare, we have a page of insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use identical coverage information on every quote you get. If you compare unequal deductibles or liability limits you can’t possibly decipher which rate is best.

Companies offer discounts so take them!

Car insurance is not cheap, but there could be available discounts to help bring down the price. Certain discounts will be applied when you get a quote, but some must be asked about before you get the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on IS 250 C coverage than less cautious drivers.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of insurers with the best insurance discounts, click here.

Do I just need basic coverages?

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Does medical payments coverage apply to all occupants?
  • Is my cargo covered for damage or theft?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when using my vehicle for my home business?
  • Will my rates increase for filing one claim?
  • Am I covered when driving a rental car?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

The fine print in insurance ads

Consumers constantly see and hear ads that promise big savings from companies such as Geico, State Farm and Progressive. They all seem to make an identical promise of big savings if you switch your policy.

How can each company make the same claim?

All the different companies can use profiling for the type of customer that makes them money. A good example of a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. A propective insured who meets those qualifications will get very good rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who do not match these standards will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save that much. That’s why companies can claim big savings.

This emphasizes why it is so important to get quotes from several different companies. It’s impossible to know which insurance companies will have the lowest Lexus IS 250 C insurance rates.

Coverages available on your auto insurance policy

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Auto liability

Liability insurance protects you from injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as legal defense fees, loss of income and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, funeral costs, hospital visits and ambulance fees. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, colliding with a tree, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Lexus IS 250 C.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

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

Comprehensive can pay for things such as fire damage, hail damage, rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

What is YOUR best insurance company?

Cost effective 2014 Lexus IS 250 C insurance can be bought on the web as well as from independent agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just covered many tips how you can reduce insurance prices online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may discover the most savings is with the smaller companies. They can often provide lower rates in certain areas as compared to the big name companies such as Progressive and Geico.

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