2014 Lexus IS 250 C Insurance Rates in 2024 – 6 Ideas for Cheapest Quotes

No car owner likes having to buy auto insurance, especially when the cost is too high.

Big companies like Allstate, Liberty Mutual and State Farm promote their brand names with advertising and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Finding affordable coverage is not rocket science. But vehicle owners do need to know the way companies price online insurance.

Six discounts to earn lower-cost car insurance rates

Auto insurance companies don’t necessarily list the complete list of policy discounts very well, so the list below gives a summary of both the well known as well as the least known discounts that may be available.

• Smart Student Discounts – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
• Senior Citizen Discount – Mature drivers may be able to get a small discount on rates for IS 250 C coverage.
• Telematics Devices – Drivers who elect to allow driving data collection to scrutinize their driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they are good drivers.
• Driver Education Discount – Have your child complete a driver education course in high school.
• Low Mileage Discounts – Fewer annual miles on your Lexus could be rewarded with discounted car insurance rates on garaged vehicles.
• Defensive Driver Discounts – Completing a course teaching safe driver skills may get you a small discount if your company offers it.

You should keep in mind that some credits don’t apply to the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

A few of the larger companies and some of their more popular discounts can be read below.

• Mercury Insurance may offer discounts for location of vehicle, age of vehicle, annual mileage, multi-policy, and good student.
• Farmers Insurance includes discounts for alternative fuel, pay in full, electronic funds transfer, early shopping, good student, and teen driver.
• Farm Bureau may have discounts that include 55 and retired, multi-vehicle, safe driver, driver training, and multi-policy.
• State Farm discounts include Steer Clear safe driver discount, student away at school, good student, safe vehicle, and multiple autos.
• Allstate may include discounts for teenSMART discount, premier discount, FullPay discount, auto/life discount, farm vehicle, and eSmart discount.
• GEICO has discounts for multi-vehicle, good student, daytime running lights, defensive driver, emergency military deployment, and multi-policy.

When getting a coverage quote, ask all companies you are considering which discounts they offer. A few discounts may not apply to policies in your area. To choose insurers that can offer you the previously mentioned discounts, enter your zip code here.

Tailor your car insurance coverage to you

When choosing coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out if you might need an agent’s assistance.

• Do I need Motor Club coverage?
• Is my teen driver covered when they drive my company car?
• Am I covered when pulling a rental trailer?
• Why does it cost so much to insure a teen driver?
• What vehicles should carry emergency assistance coverage?
• Can I rent a car in Mexico?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out your zip code.

Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Liability insurance

This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like emergency aid, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for 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 like falling objects, hitting a deer, a broken windshield and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they 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 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 a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for EMT expenses, surgery and doctor visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

This will pay to fix damage to your IS 250 C from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, colliding with a tree, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Smart shoppers get results

Discount 2014 Lexus IS 250 C insurance can be bought online in addition to many insurance agents, so get free car insurance quotes from both of them to have the best rate selection. Some insurance companies do not provide the ability to get quotes online and many times these smaller companies sell through independent insurance agents.

While you’re price shopping online, do not skimp on coverage in order to save money. In too many instances, someone sacrificed full coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at the best price but still have enough coverage for asset protection.