2015 Lexus IS 250 C Insurance Quotes – 9 Savings Tips

Consumers who are new to the process of shopping for insurance online might discover buying cheap insurance to be a formidable task.

You should make it a habit to get comparison quotes at least once a year because insurance rates change frequently. Even if you think you had the best deal for IS 250 C insurance on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to use online quotes to lower your rates without sacrificing coverage.

Compare Car Insurance Costs

There are several ways of comparing rates from different insurance companies. The fastest way to find competitive 2015 Lexus IS 250 C insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The most efficient way to get quotes for comparison is a comparison rater form (click to open form in new window). This form saves time by eliminating separate quotation requests to each individual car insurance company. A single, simple form gets you price quotes from multiple low-cost companies. It’s the fastest way to compare.
  • A harder way to find lower rates consists of going to the website of each company to complete a price quote. For instance, let’s say you want to compare rates from Allstate, 21st Century and GEICO. You would have to take the time to go to each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever way you use, ensure you are comparing apples-to-apples deductibles and coverage limits on every quote. If you are comparing different limits and deductibles on each one it will be very difficult to determine the best price for your Lexus IS 250 C. Just a small difference in insurance coverages may cause a big price difference. Keep in mind that comparing a large number of companies will improve the odds of getting better pricing.

Can you really save that much by switching?

Insurance providers like Allstate and Progressive constantly bombard you with ads in print and on television. They all have a common claim that you can save if you switch to them. But how can every company make the same claim?

Insurance companies are able to cherry pick for the right customer that earns them a profit. For instance, a preferred risk might be between 30 and 50, has no prior claims, and chooses high deductibles. A driver who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Drivers who don’t measure up to the requirements will be charged higher premiums and ends up with business going elsewhere. The ads say “drivers who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully claim big savings.

That is why you should compare as many rates as you can. It is impossible to predict the company that will provide you with the cheapest Lexus IS 250 C insurance rates.

Take these nine discounts and save

Car insurance can cost a lot, buy you may qualify for discounts that many people don’t even know exist. Some trigger automatically at the time of quoting, but a few must be asked for prior to getting the savings.

  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Passive Restraints and Air Bags – Cars that have air bags can receive discounts up to 30%.
  • Accident Waiver – Some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for IS 250 C insurance than less cautious drivers.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • No Accidents – Drivers who don’t have accidents can save substantially when compared with bad drivers.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

Drivers should understand that most discount credits are not given to the entire cost. Most only reduce individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But any discount will reduce the amount you have to pay.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company how you can save money. Savings may not be available everywhere.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help you determine if your situation may require specific advice.

  • How does medical payments coverage work?
  • Is motorclub coverage worth it?
  • Can I make deliveries for my home business?
  • Should I bundle my homeowners policy with my auto?
  • Who is covered by my policy?
  • Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Coverage specifics

Learning about specific coverages of insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision protection

This coverage will pay to fix damage to your IS 250 C resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses such as rehabilitation expenses, doctor visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus IS 250 C.

Since a lot of 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 very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

This provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as bail bonds, legal defense fees, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Best coverage at the best price

Budget-conscious 2015 Lexus IS 250 C insurance is available from both online companies as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you restructure your insurance plan, you should never buy less coverage just to save a little money. Too many times, drivers have reduced uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

In this article, we presented many ideas to reduce insurance prices online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with an unexpected company.

Additional detailed information can be read in these articles: