Compare 2012 Lexus HS 250h Insurance Cost

Have you fallen victim to an underperforming, overpriced car insurance policy? Believe me, you’re not alone.

Since consumers have many different company options, it is hard for the average consumer to pick the lowest price car insurance company.

Finding affordable protection is simple if you know the tricks. In a nutshell, every driver who is required by state law to have auto insurance stands a good chance to be able to cut their insurance bill. But car owners need to learn how the larger insurance companies price insurance differently.

Free Quotes for Insurance Coverage

Effectively comparing insurance coverage prices can be challenging if you don’t utilize the easiest way. You can waste a lot of time driving to insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

The majority of car insurance companies take part in a program that enables customers to enter their coverage request one time, and at least one company then returns a price quote based on that data. This system prevents you from having to do quote forms for every insurance coverage company.

To compare 2012 Lexus HS 250h rates using this form now click here to open in new window.

The one downside to using this type of form is you can’t choose the insurers you want to price. So if you want to select from a list of companies to request quotes from, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use identical information for every quote you compare. If you are comparing higher or lower deductibles it will be very difficult to make an equal comparison. Slightly different limits can result in a big premium difference. Just keep in mind that having more price comparisons helps you find the best offered rates.

Don’t miss these discounts

Insurance can be prohibitively expensive, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specially asked for before they will apply.

  • Passive Restraint Discount – Vehicles equipped with air bags can receive discounts up to 30%.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance.
  • Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for HS 250h insurance than drivers with accidents.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage for HS 250h insurance.
  • Accident Waiver – Certain companies allow you one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, you’re out of luck. But all discounts will reduce your overall premium however.

Companies that may offer these benefits are:

Check with every prospective company which discounts they offer. All car insurance discounts may not be available in your state.

Why you might be paying too much to insure your Lexus HS 250h

It’s important that you understand the factors that play a part in calculating insurance coverage rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in lower insurance coverage prices.

  • Careful drivers pay lower rates – Your driving record has a huge affect on how much you pay. Even a single speeding ticket can increase rates by twenty percent. Good drivers have lower premiums compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Better crash test results mean better rates – Safer cars are cheaper to insure. Safer cars have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If the Lexus HS 250h earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Men and women are in accidents in similar percentages, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.
  • Keep rates low by being claim-free – Companies give cheaper rates to drivers who do not file claims often. If you are a frequent claim filer, you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

When might I need help?

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving a rental car?
  • Am I covered if I drive in a foreign country?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when using my vehicle for business?
  • Should I carry comprehensive and collision coverage?
  • Do I need an umbrella policy?
  • When should I buy a commercial auto policy?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions, you may need to chat with 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

Can you really save $439 a year?

Insurance coverage providers like Allstate and Progressive continually stream ads on television and other media. They all have a common claim that you’ll save big after switching your coverage to them. How can each company claim to save you money?

Different companies are able to cherry pick for the right customer that makes them money. For example, a desirable insured might be a mature driver, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who fall outside this ideal profile must pay more money and this can result in business not being written. The ads state “customers that switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully claim big savings.

This illustrates why it’s extremely important to quote coverage with many companies. It is impossible to predict the company that will give you the biggest savings on Lexus HS 250h insurance.

Insurance coverages 101

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, medical expenses, legal defense fees, emergency aid and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical expense coverage

Med pay and PIP coverage pay for bills for things like pain medications, rehabilitation expenses and surgery. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover 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 only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Lexus HS 250h.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, falling objects, rock chips in glass and a broken windshield. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

Throughout this article, we presented some good ideas how to reduce 2012 Lexus HS 250h insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the most savings is with a small mutual company. Smaller companies can often provide lower rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. In many cases, drivers have reduced collision coverage only to regret they didn’t have enough coverage. The ultimate goal is to buy enough coverage at the best price.

Much more information about auto insurance is located on the following sites: