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Lexus IS 250 Insurance Cost

There are many options when shopping for car insurance for your Lexus vehicle. You can buy direct from a local agent or go online to check prices from many different companies. Buying auto insurance from online companies can be fast and easy and there is a good chance you might just save a little.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Lowering your Lexus IS 250 insurance rates is actually quite simple. You just need to take a few minutes to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Auto insurance rates for your Lexus IS 250 can vary widely depending on several factors. Some of these factors include:

  • Higher performance IS 250 vehicles cost more
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you own your home

A final factor that helps determine Lexus IS 250 insurance cost is the model year. New vehicles cost more in comparison to later models so the cost to replace them can inflate annual premiums. Although new Lexus models may have a trim level with safety features included like active head restraints, adaptive headlights, a backup camera, and tire pressure monitors which can give discounted rates.

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

Liability coverage

This coverage provides protection from damage that occurs to other's property or people in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper Lexus IS 250 insurance cost.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Lexus IS 250 comprehensive insurance. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus IS 250 Insurance Rates?