2012 Lexus IS 250 C Insurance Cost

Looking for lower car insurance rates for your Lexus IS 250 C? Have you fallen victim to high-priced car insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Having so many options, it can be impossible to choose the most cost effective company.

It’s a good habit to price shop coverage every six months because insurance rates trend upward over time. Despite the fact that you may have had the lowest rates on IS 250 C coverage last year you will most likely find a better rate today. Ignore everything you know about car insurance because you’re about to learn the easiest way to get good coverage at a lower rate.

Finding Auto Insurance Deals

Finding a better price on auto insurance can be surprisingly simple. You just need to spend a few minutes comparing rates from different insurance companies. This can be done in just a few minutes using one of these methods.

Probably the best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing separate quotation requests for each company. One simple form will return quotes from several companies.

Another way to obtain and compare quotes online requires a visit to the website for every company you want to comare and request a quote. For instance, we’ll assume you want comparison quotes from Allstate, Farmers and Geico. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

However you get your quotes, ensure you are comparing identical coverages for every company. If you use unequal deductibles or liability limits it’s impossible to make a fair comparison for your Lexus IS 250 C.

Cut your premium with discounts

Companies that sell car insurance don’t always advertise every available discount very clearly, so we break down both well-publicized and the harder-to-find ways to save on car insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.

Government Employees – Simply working for the federal government can save as much as 8% on IS 250 C coverage depending on your company.
Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
Passive Restraints – Vehicles with factory air bags can receive discounts up to 30%.
Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
Accident Waiver – Some insurance companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
Defensive Driver – Taking a driver safety course could cut 5% off your bill depending on where you live.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most cut specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

Companies that may have these money-saving discounts are:

Check with each company which discounts they offer. All car insurance discounts may not apply everywhere.

What is the best insurance coverage?

When it comes to choosing coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine if your situation will benefit from professional help.

Can I make deliveries for my home business?
Does my insurance cover my expensive audio equipment?
Should I buy more coverage than the required minimum liability coverage?
Do I need special endorsements for business use of my vehicle?
Will I lose any money if I cancel my policy before it expires?
Do I need replacement cost coverage on my 2012 Lexus IS 250 C?
Can my babysitter drive my car?
Why am I required to buy high-risk coverage?
Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Auto liability

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for 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 values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as medical services, repair costs for stationary objects, emergency aid and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for hospital visits, funeral costs, doctor visits, surgery and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage

This covers damage to your IS 250 C caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, crashing into a building, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.