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Lexus ES 250 Insurance Rates

There are many options when insurance shopping for your Lexus vehicle. You can buy direct from an agent or go online to check prices from car insurance companies. Comparing car insurance from online rate quotes can be fast and easy and there is a good chance you can save money.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of companies offering insurance. There are several ways to get quotes from local car insurance companies. The easiest way to find competitive Lexus ES 250 insurance cost involves getting comparison quotes online. This can be accomplished by completing this short form.

Car insurance premiums on a Lexus ES 250 can vary widely depending on several factors. Some of these factors include:

  • Higher performance ES 250 vehicles cost more
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Extra coverages like towing and rental
  • Your occupation
  • Your coverage level
  • Whether you own your home

An additional factor that can impact Lexus ES 250 insurance rates is the year of the vehicle. Used vehicles cost less than newer models so the cost to replace them may result in lower rates. On the flip side, more recent Lexus vehicles may have safety features like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which can give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your ES 250 below.

Liability insurance - This coverage will cover damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision - This coverage will pay to fix damage to your Lexus resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Lexus ES 250 can be pricey, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to get cheaper Lexus ES 250 insurance rates.

Comprehensive protection - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus ES 250 Insurance Rates?