Best Lexus HS 250h Insurance in Houston

How long has it been since you compared cheaper Lexus HS 250h insurance in Houston? Trying to find low-cost insurance for a Lexus HS 250h in Texas could be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to buy insurance and you need to know the best way to compare rates on a Lexus and get the lowest possible price either online or from Houston insurance agents.

Unthinkable but true, a large majority of drivers have remained with the same insurance company for a minimum of four years, and approximately 38% of consumers have never compared rates from other carriers. Houston drivers can save as much as 70% each year by just comparing rate quotes, but most undervalue the amount of savings they would get if they switch to a new company.

Reducing your insurance rates doesn’t have to be difficult. You just have to take time comparing price quotes from some recommended companies.

The companies in the list below are ready to provide free quotes in Texas. If more than one company is shown, it’s highly recommended you compare several of them to get a more complete price comparison.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific location information which can raise or lower premiums significantly.

Deductible analysis

The diagram below shows how choosing a deductible and can increase or decrease Lexus HS 250h insurance costs for each age group. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Can higher deductibles save money?

When shopping for auto insurance, a common question is what deductibles to buy. The following insurance rates help summarize the rate fluctuation between high and low deductibles. The first table uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in your specific Houston location which can raise or lower prices considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $33 more each month or $396 every year than opting for the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 12 months between claims, you would most likely save money if you choose the higher deductible.

Premiums by gender and age

The chart below illustrates the difference between Lexus HS 250h insurance costs for male and female drivers. Data assumes no claims or violations, comp and collision included, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Houston insurance discounts for a Lexus HS 250h

Properly insuring your vehicles can get expensive, but you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but once in a while a discount must be specifically requested prior to getting the savings.

• Senior Citizens – If you qualify as a senior citizen, you could receive reduced rates.
• Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class in school or through a local driver safety program.
• Theft Deterrent Discount – Cars and trucks that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Federal Government Employee – Federal government employees can save as much as 8% with some insurance companies.
• Switch and Save Discount – A few larger companies allow discounts for switching to them prior to your current HS 250h insurance policy expiring. Ten percent is about the average savings.
• ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so you can save 10 percent or more.

A quick disclaimer, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, you’re out of luck.

Large insurance companies and some of their more popular discounts include:

• State Farm offers discounts including safe vehicle, multiple autos, good driver, student away at school, passive restraint, and Steer Clear safe driver discount.
• GEICO has discounts for anti-theft, daytime running lights, military active duty, driver training, and emergency military deployment.
• Liberty Mutual includes discounts for new graduate, multi-car, hybrid vehicle, good student, exclusive group savings, multi-policy, and teen driver discount.
• The Hartford has savings for defensive driver, good student, anti-theft, air bag, vehicle fuel type, bundle, and driver training.
• MetLife may offer discounts for multi-policy, accident-free, defensive driver, claim-free, good driver, good student
• Progressive discounts include multi-policy, good student, homeowner, continuous coverage, online quote discount, and online signing.

When comparing rates, check with all the companies which discounts they offer. Some of the earlier mentioned discounts might not apply in every state. If you would like to choose from a list of insurance companies who offer insurance discounts in Texas, click here.

Do I need an insurance agency?

Many drivers just prefer to sit down and talk to an agent and that is not a bad decision Most agents will help you protect your assets and help submit paperwork. The best thing about comparing insurance prices online is that you can find lower premium rates and still choose a local agent.

Upon completion of this simple form, your coverage information is immediately sent to companies in Houston who will return price quotes to get your business. There is no reason to contact any insurance agencies as quotes are delivered to you. If you want to quote rates from a particular provider, don’t hesitate to jump over to their website and give them your coverage information.

Picking the best insurer should depend on more than just the quoted price. These are some valid questions you should ask.

• What is their Better Business Bureau rating?
• Will one accident increase rates?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• What will you get paid if your car is a total loss? How is that amount determined?
• Do the companies they represent have a solid financial rating?
• Will they make sure you get an adequate claim settlement?
• Do they feel the quoted coverages are adequate?

Listed below are Houston insurance companies willing to provide price quotes for Lexus HS 250h insurance in Houston.

• Hispano’s Insurance Agency
  5420 Chimney Rock Rd – Houston, TX 77081 – (832) 778-8600 – View Map
• Anna Santa Ana – State Farm Insurance Agent
  7710 Cherry Park Dr d – Houston, TX 77095 – (281) 550-0333 – View Map
• Cornerstone Insurance Agency
  24301 Brazos Town Crossing – Rosenberg, TX 77471 – (979) 553-4343 – View Map
• Hallmark Insurance Agency Inc
  12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 – View Map

More insurance agents

What Impacts Lexus HS 250h Insurance Rates?

The best way to find cheaper insurance is to take a look at the different types of things that aid in calculating the level of your policy premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that may reward you with cheaper rates.

The following are some of the most rate-impacting factors used by companies to determine prices.

Discounts for alarms and GPS tracking – Selecting a car model with advanced anti-theft systems can help lower your premiums. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft.

Safer cars save money – Safer cars cost less to insure. Safer cars result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Lexus HS 250h earned at least four stars on Safercar.gov you may be receiving a better rate.

Extra policy coverages are wasting money – Insurance policies have a lot of optional add-on coverages you can purchase if you aren’t diligent. Coverage for things like roadside assistance, accident forgiveness, and Farm Bureau memberships could be just wasting money. These may sound like a good investment when discussing your needs, but your needs may have changed so consider taking them off your policy.

Safeguard your assets with liability – Your insurance policy’s liability coverage provides coverage in the event that you are found to be at fault for an accident. It will provide legal defense coverage which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.

Driving citations cost more than a fine – A bad driving record impacts premiums far more than you think. Getting just one citation may cause rates to rise twenty percent or more. Good drivers pay less for auto insurance than bad drivers. Drivers who get flagrant citations such as DUI, reckless driving or excessive speeding may be required to prove financial responsibility with their state DMV in order to drive a vehicle legally.

Three main reasons to buy insurance

Even though it’s not necessarily cheap to insure a Lexus in Houston, paying for insurance is not optional due to several reasons.

First, most states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your HS 250h has a lien holder, most lenders will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may insure your Lexus at a much higher premium rate and force you to pay a much higher amount than you were paying before.

Third, insurance protects both your Lexus and your assets. It will also reimburse you for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If you have damage to your Lexus as the result of the weather or an accident, your policy will pay to repair the damage.

The benefits of carrying adequate insurance greatly outweigh the cost, particularly if you ever have a claim. The average driver in Texas is overpaying more than $800 each year so you should quote your policy with other companies each time the policy renews to make sure the price is not too high.

Find cheaper auto insurance prices by comparing often

Cost effective Lexus HS 250h insurance can be sourced on the web and from local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies may not offer the ability to get quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

In this article, we covered many ways to lower your Lexus HS 250h insurance rates in Houston. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced auto insurance comes from some of the lesser-known companies.

When getting Houston car insurance quotes online, make sure you don’t reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage only to find out that it was a big mistake. Your goal is to find the BEST coverage at the best possible price, but do not skimp to save money.

Additional information is available at these links:

• Alcohol Impaired Driving FAQ (iihs.org)
• What Auto Insurance is Cheapest for a Jeep Wrangler in Houston? (FAQ)
• What Insurance is Cheapest for a Toyota Highlander in Houston? (FAQ)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)