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Lexus IS 250 Insurance Cost

Drivers have lots of options when shopping for car insurance for your Lexus vehicle. You can buy from an insurance agent or get quotes online to check prices from car insurance companies. Buying auto insurance from online rate quotes saves time, is easy to do, plus you may find lower rates.

Shopping online for auto insurance can be difficult if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. Lowering your Lexus IS 250 insurance rates doesn't have to be difficult. You just need to take a few minutes to compare quotes online from several insurance companies. This can be accomplished by completing this short form.

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Rates are impacted by these factors

Insurance premiums on a Lexus IS 250 will vary greatly and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Your accident history
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older Lexus models so the costs to repair will push premiums up. Although newer models have more advanced features included like pedestrian detection, tire pressure monitors, and autonomous braking so those may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your IS 250 from the list below.

Liability insurance

This protects you from damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision insurance

Collision insurance pays for damage to your Lexus resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Lexus IS 250 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible in order to get cheaper Lexus IS 250 insurance cost.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus IS 250 Insurance Rates?