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Lexus IS 250 Insurance Cost

Comparing car insurance from online rate quotes is easy and at the same time you may find lower rates. The key is to get rates from all companies in order to have all possible prices.

Beginners to comparison shopping may think finding low-cost Lexus IS 250 insurance is more work than they want to put in. The are a couple different ways to compare rate quotes from local car insurance companies. The easiest way by far to compare Lexus IS 250 insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors impact Lexus IS 250 insurance quotes?

Insurance premiums on a Lexus IS 250 can fluctuate considerably based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your job
  • Your coverage level
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new Lexus models so the cost to replace them will push premiums down. On the flip side, new Lexus models have more advanced features like active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors which may lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage for your Lexus IS 250 can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper Lexus IS 250 insurance cost.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Because many people 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.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. PIP is not universally available and gives slightly broader coverage than med pay.

How Much are Lexus IS 250 Insurance Rates?