How to Save on Lexus HS 250h Insurance in Irvine

Sadly, about 70% of customers renewed their policy with the same company for a minimum of four years, and virtually 40% of consumers have never quoted car insurance rates at all. Irvine consumers could save about 35% each year by just comparing rate quotes, but they just assume it takes a lot of time to do a rate comparison.

Discount Lexus HS 250h insuranceIt takes a few minutes, but the best way to save on auto insurance rates in Irvine is to compare quotes annually from insurance carriers that insure vehicles in California. You can compare rates by following these guidelines.

One important bit of advice is that you use identical limits and deductibles on each price quote and to quote with as many companies as feasibly possible. Doing this guarantees an accurate price comparison and a better comparison of the market.

If you have a policy now, you will definitely be able to cut your premiums using the techniques covered below. This information will familiarize you with the best way to buy inexpensive car insurance and how you can save the most money. But California consumers need to have an understanding of how the larger insurance companies calculate their prices and apply this information to your search.

Cheap Lexus HS 250h insurance quotes in Irvine

Auto insurance is neither fun to buy or cheap, but there are discounts available that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of purchase, but occasionally some discounts must be asked about before you will receive the discount.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you’re out of luck.

The illustration below shows the difference between Lexus HS 250h insurance premiums with and without discounts applied to the rates. The data assumes a male driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, multi-policy, and marriage discounts applied.

Companies and some of their more popular discounts are detailed below.

When getting a coverage quote, ask each company to give you their best rates. Some discounts listed above might not be offered on policies in your area. To view companies with discount auto insurance rates in California, click here.

All major insurance companies allow consumers to get prices from their websites. Doing online quotes for Lexus HS 250h insurance in Irvine is possible for anyone as you just enter your required coverages as requested by the quote form. Upon sending the form, the quote system collects reports for credit and driving violations and generates pricing information determined by many factors.

This simplifies rate comparisons, and it is imperative to get many rate quotes in order to find a better rate.

To quickly find out how much you’re overpaying now, check out the insurance providers below. To compare your current rates, we recommend you copy coverages and limits identical to your current policy. This guarantees you will have rate comparison quotes for similar coverage.

The companies shown below are ready to provide free rate quotes in Irvine, CA. If multiple companies are listed, it’s a good idea that you visit several of them to find the most affordable auto insurance rates.

Rates and statistics

The table below highlights estimates of insurance premium costs for Lexus HS 250h models. Having knowledge of how auto insurance premiums are figured can help customers make informed decisions when comparing rate quotes.

Lexus HS 250h Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HS 250H 4-Dr Sedan $490 $780 $492 $30 $148 $1,940 $162
HS 250H Premium 4-Dr Sedan $490 $780 $492 $30 $148 $1,940 $162
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Estimates do not factor in specific Irvine garaging location which can increase or decrease coverage prices noticeably.

The illustration below highlights how deductible choice and can affect Lexus HS 250h annual premium costs for different age categories. The premiums are based on a married female driver, full physical damage coverage, and no discounts are applied.

Comparison of auto insurance rates by gender

The chart below visualizes the comparison of Lexus HS 250h insurance rates for male and female drivers. The data assumes no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Get Cheaper Insurance Costs by Understanding These Factors

Lots of things are used when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but others are not quite as obvious such as your marital status or your commute time. Consumers need to have an understanding of some of the factors that help determine your auto insurance rates. If you have some idea of what determines premiums, this allows you to make good choices that may reward you with better auto insurance rates.

The items below are some of the things utilized by car insurance companies to help set your rate level.

When should I discuss my situation with an agent?

When selecting a policy, there really is no perfect coverage plan. Your needs are unique to you.

Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Can’t I get rate quotes from local Irvine car insurance agents?

Some consumers still like to talk to an insurance agent and there is nothing wrong with that. The best thing about getting free rate quotes online is you can get lower rates but still work with a licensed agent. Putting coverage with small agencies is still important in Irvine.

Upon completion of this short form, the quote information gets sent to participating agents in Irvine who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents since price quotes are sent to your email. You can get cheaper auto insurance rates AND an agent nearby. If you need to quote rates from a specific company, you can always visit that company’s website and fill out their quote form.

Irvine auto insurance agents come in two flavors

If you want to use a local agent, there are two types of agencies that you can select. Irvine agents can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agencies

These agents do not sell for just one brand so they can write business with an assortment of companies depending on which coverage is best. If your premiums go up, they can switch companies in-house without you having to go to a different agency. When comparing rates, you absolutely need to check rates from several independent insurance agents so that you have a good selection of quotes to compare. Most also write with smaller regional carriers which can save you money.

Shown below are independent insurance agencies in Irvine who may be able to give you cheap rate quotes.

More insurance agents

Exclusive Insurance Agents

Agents that elect to be exclusive can only provide one company’s prices such as AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to compare rates from other companies so they really need to provide good service. Exclusive agents are well trained on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents mostly because of the brand legacy and strong financial ratings.

Below are exclusive insurance agencies in Irvine who can help you get rate quotes.

More insurance agents

Finding the right insurance agent should depend on more than just a cheap quote. Here are some questions to ask:

Insuring your vehicle just makes sense

Despite the high insurance cost for a Lexus HS 250h in Irvine, maintaining insurance may be mandatory for several reasons.

The benefits of insuring your HS 250h outweigh the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying over $750 every year so we recommend shopping around once a year at a minimum to help ensure money is not being wasted.

Best car insurance company in California

Choosing a high-quality auto insurance provider can be difficult considering how many different companies sell coverage in Irvine. The ranking data in the lists below can help you pick which car insurance companies to look at comparing rate quotes with.

Top Car Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Quote. Compare. Save.

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There have been many cases where someone sacrificed liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest price, but do not skimp to save money.

Low-cost Lexus HS 250h insurance in Irvine is attainable both online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and usually these smaller companies only sell through independent insurance agents.

People leave their current company for any number of reasons including questionable increases in premium, not issuing a premium refund, high rates after DUI convictions and denial of a claim. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

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