2007 Lexus IS 250 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Trying to find lower auto insurance rates for your Lexus IS 250? Feel like you’re a prisoner to high-priced auto insurance? Believe me when I say there are many people just like you. Numerous auto insurance companies battle to insure your vehicles, so it can be very hard to choose a insurance company and get the best coverage at the best rates possible.

More discounts equal less premium

Companies offering auto insurance don’t always advertise all available discounts very well, so we took the time to find both well-publicized and the harder-to-find ways to save on car insurance. If you don’t get every credit you qualify for, you are throwing money away.

  • E-sign – A few companies give back up to $50 just for signing your application over the internet.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Early Signing – Select companies give a discount for signing up before your current policy expires. This can save 10% or more.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.

Keep in mind that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

Finding Car Insurance Deals

There are a lot of ways to shop for car insurance, and some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with insurance companies in your area, or you can stay home and use the web for quick rates.

Many insurance companies belong to an insurance system that allows shoppers to submit their information once, and each participating company returns a competitive quote. This saves time by eliminating quotation requests to each individual car insurance company.

To find out how much you’re overpaying now click to open in new window.

Which method you use is up to you, but ensure you’re using apples-to-apples coverage information with every price quote. If you use higher or lower deductibles it will be impossible to make a fair comparison for your Lexus IS 250.

It’s not one size fits all

When it comes to choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • Is my ex-spouse still covered by my policy?
  • Do I have newly-aquired coverage?
  • Should I sign the liability waiver when renting a car?
  • Is my teenager covered with friends in the car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does car insurance cover theft of personal property?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Why am I required to get a high-risk car insurance policy?
  • Who is covered when they drive my 2007 Lexus IS 250?
  • Am I missing any policy discounts?

Learn about insurance coverages for a 2007 Lexus IS 250

Understanding the coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Liability car insurance

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as structural damage, legal defense fees, medical services and court costs. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, fire damage and vandalism. The most you can receive from a comprehensive claim 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.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Lexus IS 250.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

Collision coverage pays for damage to your IS 250 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for surgery, ambulance fees and pain medications. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

More quotes. Lower rates.

We just covered many tips how you can lower your 2007 Lexus IS 250 insurance rates. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the biggest savings come from a small mutual company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Progressive or GEICO.

Discount insurance can be found both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

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