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Lexus HS 250h Insurance Rates

Buying auto insurance by getting online quotes is easy and at the same time you will probably save money. The key is to compare as many rate quotes as possible in order to accurately compare the cheapest rate quotes.

People who are new to comparison shopping may think buying cheap HS 250h insurance is nearly impossible. Finding lower HS 250h insurance cost can be relatively painless. You just have to spend a little time comparing rates from different insurance companies. This can be accomplished by getting a quick quote here.

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What factors impact the rate you pay?

Insurance rates for a Lexus HS 250h will vary greatly based upon several criteria. Taken into consideration are:

  • Your driving record
  • Your credit history
  • Male drivers pay higher rates
  • The deductible you choose
  • Your vehicle's safety rating
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

One last important factor that helps determine the rate you pay on your Lexus is the year of manufacture. Models that are new cost more so repair costs are higher which will push premiums up. But new Lexus models may have options including anti-lock brakes, adaptive headlights, and adaptive cruise control so those may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability - Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. HS 250h collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision - Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance - Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.

How Much are Lexus HS 250h Insurance Rates?