2012 Lexus IS 250 C Insurance Quotes – 5 Savings Tips

Finding lower premiums on car insurance is a challenge for consumers new to buying insurance online. People have so many companies to choose from that it can quickly become a ton of work to compare prices.

You need to price shop coverage on a regular basis due to the fact that insurance rates tend to go up over time. Even if you think you had the best rates for IS 250 C insurance two years ago there is a good chance you can find better rates now. So block out anything you think you know about car insurance because you’re about to learn the best methods to find better rates and still maintain coverage.

Discounts can save BIG

Companies don’t list all available discounts very well, so the following is a list of both well-publicized as well as the least known ways to save on insurance.

  • Drive Safe and Save – Safe drivers may save up to 50% more for IS 250 C insurance than drivers with accident claims.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Low Mileage Discounts – Keeping the miles down on your Lexus can qualify you for discounted rates on garaged vehicles.
  • Accident Waiver – Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.

It’s important to understand that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance companies aren’t that generous.

Car insurance companies that may have these discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings might not be offered in every state.

Do you really save 40% when you switch?

Companies like State Farm, Allstate and Geico consistently run ads on television and other media. All the ads make an identical promise that you’ll save big if you change to their company. How does each company make almost identical claims?

Different companies have a preferred profile for the type of driver that earns them a profit. A good example of a desirable insured could be over the age of 40, has no driving citations, and chooses high deductibles. A customer who fits that profile will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who do not match the “perfect” profile must pay higher prices and ends up with the customer not buying. The ads state “customers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently advertise the savings. This illustrates why you should get as many comparisons as possible. It’s impossible to know which insurance companies will have the lowest Lexus IS 250 C insurance rates.

Will just any policy work for me?

When choosing adequate coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • Am I insured when driving a different vehicle?
  • Am I covered if my car is in a flood?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does having multiple vehicles earn me a discount?
  • Should I buy only the required minimum liability coverage?
  • Which companies will insure high-risk drivers?
  • Does my personal policy cover me when driving out-of-state?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Learn about insurance coverages for a 2012 Lexus IS 250 C

Learning about specific coverages of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, rock chips in glass and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things such as pain and suffering, repair bills for other people’s vehicles, loss of income, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage kick in for bills like doctor visits, rehabilitation expenses, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision protection

This covers damage to your IS 250 C resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, hitting a mailbox, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Be a Smart Shopper

We covered a lot of information how to shop for 2012 Lexus IS 250 C insurance online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with the smaller companies.

People change insurance companies for many reasons like delays in paying claims, high rates after DUI convictions, denial of a claim and policy non-renewal. Whatever your reason, switching companies is not as difficult as it may seem.

Affordable insurance is attainable both online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies do not offer online price quotes and these smaller companies work with independent agents.

Additional car insurance information is available on the following sites: