How long has it been since the last time you looked for more affordable Lexus IS 250 insurance in Houston? Confused by the wide range of car insurance providers in your area? Texas people have so many choices that it can really be a difficult challenge to find the lowest price for Lexus IS 250 insurance in Houston. Houston has many things to offer, but pricey car insurance can make it nearly impossible for many drivers to purchase enough protection.
Shocking but true, most drivers have been with the same company for well over three years, and just under half have never quoted car insurance rates at all. Many drivers in Houston could save approximately $1,766 a year just by comparing rates, but most undervalue the rate savings if they just switched companies.
When shopping for cheaper Houston car insurance quotes, there are a couple of ways to get quotes from many available insurance companies in Texas. The recommended way to comparison shop is to use the internet to compare rates.
When comparing insurance rates, know that comparing a wide range of rates provides better odds of finding more affordable insurance.
The auto insurance companies shown below have been selected to offer free rate quotes in Texas. If multiple companies are shown, we recommend you visit as many as you can to find the cheapest auto insurance rates.
|IS 250 4-Dr Sedan
|IS 250 AWD 4-Dr
|IS 250 C 2-Dr Convertible
|Get Your Own Custom Quote Go
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in specific Houston garaging location which can affect insurance rates considerably.
Impact of citations and accidents on insurance rates
The illustration below illustrates how violations and at-fault claims raise Lexus IS 250 insurance costs for each age group. The rate quotes are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.
How high should deductibles be?
The example below illustrates how your choice of deductibles and can impact Lexus IS 250 annual premium costs for different insured age categories. The premiums are based on a single female driver, full coverage, and no policy discounts are applied.
Insurance policy discounts for Lexus IS 250 insurance in Houston
Companies that sell car insurance do not list all their discounts very clearly, so the following is a list of both the well known in addition to some of the lesser obvious ways to save on insurance.
- Professional Memberships – Belonging to a civic or occupational organization in Houston could trigger savings on your policy.
- Low Mileage – Low annual miles could be rewarded with lower rates due to less chance of an accident.
- Good Student Discount – Being a good student can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
- Lower Rates for Military – Having a family member in the military could be rewarded with lower rates.
- Paper-free Discount – Some companies may give you up to $50 simply for signing on the internet.
- Good Driver Discounts – Accident-free drivers may save up to 50% more than less cautious drivers.
- Early Renewal Discounts – Some companies provide a discount for switching companies before your current coverage expires. You could save around 10% when you buy Houston car insurance online.
- Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts compared to drivers with a long claim history.
We need to note that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.
If you would like to choose from a list of insurers with the best Lexus IS 250 insurance discounts in Houston in Houston, follow this link.
Compare prices but buy from a local Houston insurance agency
Many people would prefer to talk to a local agent. A nice benefit of comparing rates online is you may find cheap car insurance quotes and still have a local agent. And buying from local insurance agencies is definitely important in Houston.
To help locate an agent, after submitting this short form, the quote information is sent to insurance agents in Houston who will give you bids for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies as quotes are delivered directly to you. You can find better rates and work with a local agent. If for some reason you want to get a rate quote from one company in particular, you just need to jump over to their website and fill out their quote form.
Auto insurance agents in Houston come in two varieties
When searching for a reputable insurance agent or broker, you should know the different types of agents and how they can quote your rates. Houston agents can be described as either exclusive or independent (non-exclusive).
Independent Car Insurance Agents (or Brokers)
Agents in the independent channel are not limited to a single company and that allows them to write policies with any number of different companies and find you the best rates. If your agent finds better pricing, your policy is moved internally without you having to go to a different agency. When searching for an agent, you definitely need to get rate quotes from multiple independent agents to have the most options to choose from. Most can insure with smaller companies which can be an advantage.
Featured below are independent insurance agents in Houston who may be able to give you pricing information.
- Pasadena Insurance Agency, Inc.
99 Detering St #280 – Houston, TX 77007 – (713) 869-6991 – View Map
- Champions Insurance Agency
15327 Gulf Fwy b – Houston, TX 77034 – (281) 484-4870 – View Map
- Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889 – View Map
Exclusive Car Insurance Agencies
Agents that elect to be exclusive can only quote rates from one company and some examples include Farmers Insurance, Allstate, or State Farm. They usually cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. They are well trained on their products and sales techniques which aids in selling service over price. Consumers frequently use the same exclusive agent primarily because of the brand and solid financial strength.
The following are Houston exclusive insurance agents who can help you get price quotes.
- Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107 – Houston, TX 77062 – (281) 486-9100 – View Map
- Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map
- Armando Valdez – State Farm Insurance Agent
12941 North Fwy #608 – Houston, TX 77060 – (281) 537-7890 – View Map
Picking an insurance agent is decision based upon more than just the bottom line cost. Below are some questions you should ask.
- Are there any discounts that you might be missing?
- What companies can they write with?
- How much experience to they have in personal lines coverages?
- If your car is totalled, how to they determine the replacement cost?
- Does the agent help file claims?
- Are there any hidden costs in their price quote and does it include driving and credit history?
If you feel you receive satisfactory answers to all your questions and a good coverage price, it’s a good possibility that you have found an insurance agent that is reliable enough to properly service your car insurance policy.
Tailor your insurance coverage to you
When selecting the best insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For instance, these questions can help discover if your situation would benefit from professional advice.
- Are rental cars covered under my policy?
- Should I file a claim if it’s only slightly more than my deductible?
- I have health insurance so do I need medical payments coverage?
- How do I insure my teen driver?
- Should I have a commercial auto policy?
- At what point should I drop full coverage?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.
Auto insurance coverage information
Knowing the specifics of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Liability coverages – Liability coverage can cover damage or injury you incur to other people or property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 30/60/25 that translate to a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims like court costs, structural damage and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more coverage.
Medical payments and PIP coverage – Med pay and PIP coverage pay for bills for things like dental work, surgery and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Lexus IS 250.
Due to the fact that many Texas drivers only carry the minimum required liability limits (30/60/25), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Comprehensive auto coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as rock chips in glass, a broken windshield, damage from flooding, a tree branch falling on your vehicle and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like damaging your car on a curb, sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your IS 250 to bring the cost down.
Don’t give up on cheaper rates
Discount Lexus IS 250 insurance in Houston can be bought online as well as from independent agents in Houston, so you need to quote Houston car insurance with both to have the best rate selection. Some insurance providers don’t offer rate quotes online and usually these regional insurance providers only sell coverage through local independent agents.
Consumers change insurance companies for a variety of reasons including delays in paying claims, poor customer service, unfair underwriting practices or not issuing a premium refund. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.
When getting Houston car insurance quotes online, make sure you don’t reduce needed coverages to save money. In many instances, someone dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. Your goal is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.
More information is located at the links below
- Should I Buy a New or Used Car? (Allstate)
- Who Has the Cheapest Car Insurance Rates for 4×4 Vehicles in Houston? (FAQ)
- How Much are Auto Insurance Quotes for Veterans in Houston? (FAQ)
- Who Has Affordable Car Insurance for Drivers with Good Credit in Houston? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)