Best Lexus IS 250 Insurance in San Francisco

Insurance rates Lexus IS 250 in San FranciscoAre you tired of not being able to afford to buy car insurance? You’re in the same situation as many other California drivers.

It goes without saying that insurance companies don’t want you quoting rates from other companies. Insureds who compare price quotes will presumably switch car insurance companies because there is a great chance of finding a lower-priced company. A survey found that people who regularly shopped around saved over $860 a year as compared to drivers who never shopped around for better prices.

If finding budget-friendly insurance is your ultimate goal, then having some insight into how to quote prices and compare insurance can help you be more efficient.

Steps to finding low-cost Lexus IS 250 insurance in San Francisco

The easiest way to get cheaper Lexus IS 250 insurance in San Francisco is to compare quotes once a year from providers who can sell car insurance in California. Rates can be compared by following these steps.

  1. Spend a few minutes and learn about how insurance works and the measures you can take to keep rates in check. Many policy risk factors that increase rates such as at-fault accidents, speeding tickets, and poor credit rating can be improved by making lifestyle changes or driving safer. This article gives additional ideas to help find cheaper rates and earn larger discounts.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple sources. Begin your rate comparison
  3. Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find a better price and decide to switch, verify that coverage does not lapse between policies.
  4. Give notification to your current company of your intent to cancel your current coverage. Submit payment and a signed application to your new carrier. Once the application is submitted, put the new proof of insurance paperwork in an easily accessible location.

An important note is to make sure you’re comparing similar coverage information on every quote and and to get rate quotes from as many companies as possible. Doing this enables a fair price comparison and the best rate selection.

Multiple insurers compete for your insurance dollar, and because of this it can be hard to compare insurers to discover the definitive best price available on Lexus IS 250 insurance in San Francisco.

It’s a good habit to do rate comparisons on a regular basis because insurance prices are variable and change quite frequently. If you had the lowest rate on Lexus IS 250 insurance in San Francisco a year ago the chances are good that you can find a lower premium rate today. Ignore everything you know about car insurance because you’re going to get a crash course in the things you must know in order to save on car insurance.

Cheap companies for Lexus IS 250 insurance

The companies shown below offer free rate quotes in San Francisco, CA. If multiple providers are shown, we recommend you get rates from several of them to find the most affordable auto insurance rates.

Lexus IS 250 detailed coverage information

The table shown next highlights detailed analysis of rate quotes for Lexus IS 250 models. Knowing how auto insurance premiums are figured helps drivers make informed coverage decisions.

Lexus IS 250 Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
IS 250 4-Dr Sedan $348 $774 $508 $30 $152 $1,812 $151
IS 250 AWD 4-Dr $388 $774 $508 $30 $152 $1,852 $154
IS 250 C 2-Dr Convertible $388 $774 $596 $36 $178 $1,972 $164
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium costs do not factor in specific zip code location which can influence coverage prices substantially.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The tables below may aid in understanding how much more rates are when you select higher and lower deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second price chart 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
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in vehicle location which can change insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $56 more each month or $672 for a full year averaged for all IS 250 models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 16 months between claim filings, you would save money going with the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $163
Average monthly premium for $1,000 deductibles (subtract): – $107
Monthly savings from raising deductible: $56
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $56
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

The diagram below shows how different deductible levels and can raise or lower Lexus IS 250 insurance prices for each different age category. The premiums are based on a single female driver, comp and collision included, and no additional discounts are factored in.

How accidents and violations affect rates in San Francisco

The chart below illustrates how speeding tickets and at-fault collisions impact Lexus IS 250 premium costs for different categories of driver ages. The costs are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Insurance premiums for males and females

The illustration below illustrates the comparison of Lexus IS 250 yearly insurance costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Do you qualify for discounts on Lexus IS 250 insurance in San Francisco?

Not too many consumers would say insurance is affordable, but discounts can save money and there are some available that you may not even know about. Some of these discounts will be visible at the time you complete a quote, but a few must be inquired about in order for you to get them.Discount insurance

Don’t be shocked that most credits do not apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So even though it sounds like you could get a free insurance policy, companies wouldn’t make money that way.

The information below shows the comparison of Lexus IS 250 auto insurance rates with and without policy discounts. The premiums are based on a male driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, claim-free, multi-car, and homeowner discounts applied.

A few of the larger companies and some of the premium reductions they offer are:

Double check with every prospective company to give you their best rates. Some of the earlier mentioned discounts might not be offered on policies in your area.

How to Lower Your Insurance Costs

An important part of buying insurance is that you know some of the things that go into determining your car insurance rates. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that may reward you with lower premium levels.

The following are a few of the “ingredients” used by insurance companies to determine your prices.

Lower performance equals lower insurance rates – The type of car or truck you drive makes a huge difference in your rates. Lower cost passenger cars receive the most favorable rates, but the final cost of insurance is determined by many other factors.

The data below uses these assumptions: married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. The data compares Lexus IS 250 rates compared to other vehicles that have a range of performances.

Raising comp and collision deductibles saves money – Deductibles for physical damage define the amount you are required to spend if a covered claim is submitted. Physical damage protection, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of covered claims are collision with another vehicle, hail damage, and having a roll-over accident. The larger the amount you pay before a claim is paid (deductible), the better rate you will receive.

Rates can drop if you have more than one policy – Lots of car insurance companies give better rates to insureds who buy several policies from them. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to comparison shop to ensure the best deal.

Rates may be lower depending on your job – Careers such as lawyers, architects, and emergency personnel generally pay the highest average rates attributed to intense work requirements and extremely grueling work hours. On the other hand, careers like scientists, historians and retirees pay the least.

Insurance rates for married couples – Your spouse may earn you lower rates when buying car insurance. It translates into being more mature it has been statistically shown that married drivers get in fewer accidents.

Lower premiums with continuous coverage – Not maintaining insurance is not a good idea and your next policy will cost more because you let your insurance coverage expire. In addition to paying higher rates, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license.

Lexus IS 250 insurance loss data – Insurance companies analyze claim trends for every vehicle to help determine costs. Vehicles that the statistics show to have a trend towards higher claims will cost more to insure.

The next table shows the actual insurance loss data for Lexus IS 250 vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Numbers under 100 mean the vehicle has better than average losses, while numbers above 100 indicate more frequent claims or an increased chance of larger losses than average.

Lexus IS 250 Insurance Claim Statistics
Specific Lexus Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Lexus IS 250 4dr 2WD 179 103 177 116 146 115
Lexus IS 250 4dr 4WD 177 87 186 118
Lexus IS 250 Convertible 135 80 84

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance agent or online?

A small number of people would prefer to get professional advice from a licensed agent and that is a smart decision Good insurance agents can make sure you are properly covered and help you file claims. One of the great benefits of comparing rate quotes online is you can get lower rates but still work with a licensed agent.

Upon completion of this form (opens in new window), the quote information is instantly submitted to insurance agents in San Francisco that provide free San Francisco car insurance quotes for your insurance coverage. It’s much easier because you don’t need to contact any insurance agencies since price quotes are sent to you. In the event you want to get a rate quote from a specific insurance company, just find their quoting web page and fill out their quote form.

Picking an provider needs to be determined by more than just the premium amount. These are some questions you should get answers to.

How to choose the best auto insurance agent in San Francisco

If you’re trying to find a reliable insurance agent, you should know the types of insurance agents and how they differ in how they quote coverages. Insurance agencies in San Francisco are either independent or exclusive depending on the company they work for. Either one can sell and service insurance coverage, but it’s a good idea to understand why they differ since it can impact your agent selection.

Exclusive Insurance Agents

Agents that choose to be exclusive can usually just insure with one company such as American Family, State Farm, and AAA. These agents are not able to provide rate quotes from other companies so keep that in mind. Exclusive insurance agents receive a lot of sales training in insurance sales and that enables them to sell even at higher rates.

Shown below is a list of exclusive insurance agencies in San Francisco willing to provide rate quotes.

3717 Buchanan St #100San Francisco, CA 94123(415) 923-0192View Map

655 14th StSan Francisco, CA 94114(415) 552-6200View Map

690 Monterey BlvdSan Francisco, CA 94127(415) 610-8000View Map

View more San Francisco agents

Independent Insurance Agencies

Agents that elect to be independent are not locked into one company so they can write business with many different companies and potentially find a lower price. If they find a cheaper price, they can switch companies in-house which is easy for the insured. If you need lower rates, you will definitely want to include independent agents to ensure the widest selection of prices.

Listed below is a list of independent agents in San Francisco who can help you get price quote information.

329 Bryant StSan Francisco, CA 94107(415) 371-1398View Map

6037 Geary BlvdSan Francisco, CA 94121(415) 592-8388View Map

3428 Balboa StSan Francisco, CA 94121(415) 386-2283View Map

View more San Francisco agents

After receiving positive responses to any questions you have and a good coverage price, most likely you have located an insurance agency that is reputable and can provide insurance coverage. Keep in mind you are entitled to cancel a policy whenever you choose to so don’t feel that you’re stuck with a specific company for a certain time period.

Find affordable rates by comparing often

Some insurance companies may not offer online price quotes and most of the time these small, regional companies only sell through local independent agencies. The cheapest Lexus IS 250 insurance in San Francisco can be sourced online in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates.

We just showed you many ideas to reduce Lexus IS 250 insurance premium rates online in San Francisco. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the lowest premium rates are with a small local company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.

Steps to finding affordable Lexus IS 250 insurance in San Francisco

The most effective way to find affordable Lexus IS 250 insurance is to do an annual price comparison from insurers in San Francisco.

First, get an understanding of how insurance companies determine prices and the measures you can control to keep rates low. Many risk factors that cause rate increases such as speeding tickets, accidents and an unacceptable credit history can be improved by making minor changes to your lifestyle.

Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for many different companies. Compare rates now

Third, compare the new rates to the premium of your current policy to see if cheaper IS 250 coverage is available in San Francisco. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide adequate notice to your current company to cancel your current coverage. Submit a completed application and payment for your new coverage. Be sure to keep the new proof of insurance paperwork along with the vehicle’s registration papers.

A valuable tip to remember is to make sure you’re comparing identical deductibles and limits on every price quote and and to get quotes from as many companies as feasibly possible. Doing this ensures an apples-to-apples comparison and a better comparison of the market.

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