Car Insurance Rates for a Lexus IS 250 in San Diego

Insurance quote for Lexus IS 250 in San DiegoWould you like to buy lower-priced Lexus IS 250 insurance in San Diego? Price shopping your Lexus IS 250 insurance in San Diego can seem to be very difficult for drivers who are new to comparison shopping online. With such a big selection of agents and insurance companies available, it can easily become a real challenge to compare coverage rates on Lexus IS 250 insurance.

Shocking but true, the vast majority of drivers have bought auto insurance from the same company for more than four years, and almost 40% of drivers have never compared rates with other companies. Many consumers in the United States could save themselves nearly $850 a year just by getting comparison quotes, but they assume it’s a waste of time to find cheaper rates by getting comparison quotes.

You should make it a habit to price shop coverage once or twice a year because prices are usually higher with each renewal. Despite the fact that you may have had the lowest rate on Lexus IS 250 insurance in San Diego last year a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the best way to properly buy coverages and cut your premium.

If you have coverage now, you will definitely be able to save money using these techniques. Our goal is to help you learn the best ways to compare prices. Nevertheless, California consumers can benefit by having an understanding of how insurance companies determine what you pay because it varies considerably.

Affordable San Diego Lexus IS 250 insurance rate quotes online

When price shopping your coverage, quoting more increases your odds of finding better pricing.

The providers in the list below provide free quotes in California. If several companies are displayed, we recommend you visit several of them in order to find the cheapest rates.

Lexus IS 250 Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 250 4-Dr Sedan $272 $490 $492 $30 $148 $1,432 $119
IS 250 AWD 4-Dr $300 $616 $394 $24 $118 $1,452 $121
IS 250 C 2-Dr Convertible $368 $774 $416 $24 $124 $1,706 $142
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific zip code location which can affect premiums noticeably.

Do you need full coverage?

The illustration below shows the comparison of Lexus IS 250 car insurance rates with full coverage and liability only. The information is based on no violations or claims, $250 deductibles, single male driver, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive formula of when to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Lexus IS 250 settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying your policy deductible. If premiums are more than $700 a year to have full coverage, then you might consider buying liability only.

There are some situations where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Deductible comparison

The chart below demonstrates how deductible levels and can change Lexus IS 250 insurance rates for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Raise deductibles and save

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The rates below sum up the difference in cost when you buy lower versus higher deductibles. The first price estimate table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.

Lexus IS 250 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 250 4-Dr Sedan $430 $932 $376 $22 $112 $1,897 $158
IS 250 AWD 4-Dr $478 $932 $376 $22 $112 $1,945 $162
IS 250 C 2-Dr Convertible $478 $932 $442 $26 $132 $2,035 $170
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Lexus IS 250 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 250 4-Dr Sedan $238 $490 $376 $22 $112 $1,238 $103
IS 250 AWD 4-Dr $266 $490 $376 $22 $112 $1,266 $106
IS 250 C 2-Dr Convertible $266 $490 $442 $26 $132 $1,356 $113
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in San Diego location which can alter coverage prices substantially.

Based on these figures, using a $100 deductible will cost you about $56 more each month or $672 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 16 months between claim filings, you would save more money if you choose a higher deductible.

It may be expensive, but it’s not optional

Even though San Diego IS 250 insurance rates can get expensive, insurance is required by state law in California and it also provides benefits you may not be aware of.

The benefits of carrying adequate insurance more than offset the price you pay, especially when you need to use it. But the average driver in California is wasting up to $850 per year so you should quote and compare rates each time the policy renews to ensure rates are inline.

Insurance Premium Influencing Factors

Many factors are taken into consideration when pricing auto insurance. Some are pretty understandable such as your driving record, although others are more transparent such as your marital status or how financially stable you are. Part of the insurance buying process is learning the factors that come into play when calculating insurance rates. If you know what influences your rates, this enables you to make decisions that will entitle you to better insurance rates.

Verify you’re applying every discount

Car insurance is not cheap, but there’s a good chance there are discounts that can drop the cost substantially. A few discounts will be applied at the time you complete a quote, but some discounts are required to be asked about prior to getting the savings.Car insurance discounts

A little note about advertised discounts, many deductions do not apply to the entire cost. Most cut individual premiums such as comprehensive or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

The best car insurance companies and a summarized list of policyholder discounts are detailed below.

Before purchasing a policy, check with all companies you are considering what discounts are available to you. Some credits might not be offered in San Diego. To choose insurers who offer online Lexus IS 250 insurance quotes in California, click this link.

Compare rate quotes but buy from a local San Diego insurance agency

A small number of people just prefer to go talk to an agent and there is nothing wrong with that. A nice benefit of getting free rate quotes online is you may find cheaper auto insurance rates but also keep your business local.

Find insurance agent in San DiegoTo help locate an agent, after submitting this form (opens in new window), the quote information gets sent to local insurance agents that provide free San Diego auto insurance quotes for your car insurance coverage. There is no reason to search for any insurance agencies since rate quotes are delivered immediately to your email address. You’ll get the best rates without requiring a lot of work. If you wish to compare rates from a specific company, feel free to navigate to their website to submit a rate quote request.

Finding the right insurer requires you to look at more than just the bottom line cost. Any agent in San Diego should have no problem answering these questions:

San Diego car insurance agents are either independent or exclusive

When looking for a reputable agency, it’s helpful to know the types of insurance agents and how they can service your needs differently. Car insurance policy providers may be either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

Agents in the exclusive channel can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agents are well trained on sales techniques which helps them sell on service rather than price. Some people will only choose to use a exclusive agent mainly due to the brand legacy rather than having low rates.

Below is a list of exclusive agencies in San Diego that can give you price quotes.

More insurance agents

Independent Agencies or Brokers

Independent agencies do not sell for just one brand so they can quote policies through many companies and find the cheapest car insurance rates. To move your coverage to a new company, the business is moved internally which requires no work on your part.

When comparing car insurance prices, we recommend you get quotes from several independent insurance agents to get the best comparison. Many independent agencies also insure through companies you’ve never heard of that many times have cheaper rates.

Below are independent agencies in San Diego that can give you comparison quotes.

More insurance agents

Once you have good responses to all your questions and cheap IS 250 insurance quotes, chances are good that you have found an auto insurance agent that is professional and can insure your vehicles.

Affordable car insurance rates are possible

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. In many cases, drivers have reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your goal should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

Lower-priced Lexus IS 250 insurance in San Diego can be sourced online and from local agencies, so you need to shop San Diego auto insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get quotes online and most of the time these regional carriers only sell through independent insurance agencies.

We’ve covered a lot of information how to lower your Lexus IS 250 insurance prices in San Diego. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable San Diego auto insurance quotes. You may even find the lowest prices come from some of the lesser-known companies.

Even more information can be found in the articles below: