Cheapest Rate Quotes for Lexus HS 250h Insurance in Mesa

Remarkably, a study showed that most car insurance buyers have been with the same company for four years or more, and virtually 40% of consumers have never even shopped around for cheap coverage. With the average car insurance premium being $1,600, Mesa drivers could save $730 each year, but they don’t believe the big savings they would realize if they just switched companies.

Really, the only way to find the cheapest price for auto insurance rates is to start doing a yearly price comparison from different companies that sell auto insurance in Mesa. Rate comparisons can be done by following these guidelines.

1. Get a basic knowledge of policy coverages and the measures you can take to keep rates low. Many rating factors that result in higher rates such as getting speeding tickets and your credit history can be controlled by making small lifestyle or driving habit changes.
2. Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote rates for many different companies.
3. Compare the new rate quotes to the price on your current policy to see if a cheaper price is available. If you find better rates, make sure there is no lapse in coverage.
4. Give notification to your agent or company of your intention to cancel your existing policy and submit payment and a signed application for the new policy. Once the paperwork is finalized, place the new proof of insurance certificate along with your vehicle registration.

The key thing to remember is to try to compare identical deductibles and limits on each quote request and and to look at as many different insurance providers as possible. This guarantees a fair price comparison and the best price quote selection.

When shopping for Lexus HS 250h insurance in Mesa there are multiple ways to compare quotes from many car insurance companies in Arizona. The best way to find affordable insurance rates is simply to get online rate quotes.

When quoting car insurance, remember that making a lot of price comparisons will increase your chances of finding a lower rate than you’re paying now.

The auto insurance companies shown below offer quotes in Arizona. To locate cheaper car insurance in Mesa, it’s a good idea that you visit several of them to get the most competitive price.

Coverage statistics and figures

The table below covers a range of prices for Lexus HS 250h models. Understanding more about how rate quotes are figured can be useful when making smart choices when selecting a policy.

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in specific location information which can affect premium rates substantially.

How high should deductibles be?

One frequently asked question is which comprehensive and collision deductibles to buy. The premium rates below approximate the cost difference when you choose different policy deductibles. The first pricing table uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in specific location information which can modify premium rates significantly.

Based on the figures above, using a $250 deductible will cost in the ballpark of $27 more each month or $324 every year than selecting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 28 months between claim filings, you would come out ahead if you choose the higher deductible.

The chart below illustrates how your deductible choice and can increase or decrease Lexus HS 250h insurance rates for each different age group. The rates are based on a married female driver, full coverage, and no discounts are factored in.

Violations and accidents raise rates

The information below demonstrates how traffic citations and at-fault collisions can raise Lexus HS 250h annual premium costs for each different age group. The data is based on a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Should you buy full coverage?

The illustration below shows the difference between Lexus HS 250h yearly insurance costs when comparing full coverage to state minimum liability only. The rates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There is no clear-cut formula that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your Lexus HS 250h book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after paying your policy deductible. If premiums are more than $700 annually for physical damage coverage, then it could be time to drop full coverage.

There are some cases where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.

Insuring your Lexus HS 250h just makes sense

Even though it’s not necessarily cheap to insure a Lexus in Mesa, buying car insurance is a good idea for several reasons.

• Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Lexus with a loan, it’s most likely the lender will force you to have insurance to protect their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Lexus at a more expensive rate and require you to fork over the higher premium.
• Car insurance preserves both your assets and your Lexus HS 250h. It will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. Today the average American driver is overpaying more than $869 every year so it’s important to compare rates at every policy renewal to ensure rates are inline.

Smart Buyers Save More

Many factors are taken into consideration when you get a price on insurance. Some factors are common sense like an MVR report, although some other factors are more obscure such as your marital status or your commute time. An important part of buying insurance is that you know some of the factors that help calculate the level of your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that can help you get lower premium levels.

Policy add-ons may not be needed – There are a ton of extra bells and whistles you can purchase on your car insurance policy. Coverages like replacement cost coverage, accident forgiveness, and term life insurance may be wasting your money. These coverages may sound good initially, but now you might not need them so remove them from your policy.

Liability coverage – The liability coverage on your policy will protect you in the event that you are ruled to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to other policy coverages, so do not skimp.

Certain employers raise prices – Did you know your occupation can influence how much you pay for car insurance? Occupations such as military personnel, airline pilots, and emergency personnel have the highest rates in part from intense work situations and long work hours. Conversely, careers such as professors, engineers and retirees receive lower rates.

High credit means lower rates – Your credit history is a big factor in determining what you pay. Drivers who have very high credit ratings tend to be more responsible than drivers with lower ratings. If your credit history can be improved, you could pay less to insure your Lexus HS 250h by improving your rating.

Teenage drivers pay more – More mature drivers are more cautious drivers, cause fewer claims and accidents, and usually have better credit. Young drivers are known to get distracted easily when at the wheel of a vehicle so they pay higher car insurance rates.

The following data is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

Insurance premiums and driver gender – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that females are better drivers. They both are in auto accidents at about the same rate, but men cause more damage. Men also tend to have more aggressive citations like driving under the influence (DUI). Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.

The chart below compares Lexus HS 250h car insurance rates for male and female drivers. The information is based on no claims or violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

Safety first – Vehicles with good safety scores tend to be cheaper to insure. Safer cars protect occupants better and reduced instances of injuries translates directly to fewer claims and cheaper rates on your policy.

Save money with higher coverage deductibles – Physical damage protection, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Examples of covered claims are a broken side mirror, damage from fire, and windstorm damage. The deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. The larger the amount the insured has to pay upfront, the lower your rates will be.

Take policy discounts and save on Lexus HS 250h insurance in Mesa

Some providers do not list every discount in a way that’s easy to find, so the following list contains some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

• Active Military Service – Having a deployed family member could mean lower prices.
• Mature Driver Discount – Drivers over the age of 55 could receive a small decrease in premiums.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
• Onboard Data Collection – Insureds that choose to allow companies to study vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.
• Sign Early and Save – A few auto insurance companies offer discounts for switching to them prior to your current HS 250h insurance policy expiring. It can save you around 10%.
• Savings for New Vehicles – Adding a new car to your policy can save up to 30% because newer models are generally safer.
• Safety Course Discount – Passing a course teaching safe driver skills could save 5% or more if you qualify.

Discounts lower rates, but some credits don’t apply to the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

The chart below shows the difference between Lexus HS 250h car insurance rates with and without discounts. The data is based on a female driver, a clean driving record, no at-fault accidents, Arizona 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 multi-policy, homeowner, multi-car, claim-free, marriage, and safe-driver discounts applied.

To see insurance companies that provide some of the discounts listed above in Arizona, click here.

Do I need an agent?

Many people would prefer to get advice from a local agent. The best thing about comparing car insurance online is that you can find cheap rate quotes and also buy local.

Once you complete this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in Mesa who will return price quotes for your business. It’s much easier because you don’t need to leave your computer since price quotes are sent to you. Get lower rates without a big time investment. If you want to get a price quote from a specific car insurance provider, don’t hesitate to jump over to their website and complete a quote there.

Finding a good company shouldn’t rely on just the quoted price. Below are some questions you should ask.

• Do they write coverage based solely on cost?
• Do they specialize in personal lines coverage in Mesa?
• How much experience to they have in personal lines coverages?
• Is there any savings for paying the full premium?
• Will you work with the agent or an assistant?

If you are wanting to purchase car insurance from a good Mesa insurance agent, you must know there are a couple different types of agencies to choose from. Insurance agencies in Mesa can be classified as either independent (non-exclusive) or exclusive.

Exclusive Car Insurance Agents

Agents that choose to be exclusive can only place business with one company and examples are American Family, State Farm, and AAA. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive agents are usually well trained on what they offer which helps overcome the inability to quote other rates. A lot of people use the same agent mainly due to the brand name instead of buying on price only.

The following is a short list of exclusive insurance agents in Mesa willing to provide price quotes.

• Scott Urry – State Farm Insurance Agent
  5524 E Baseline Rd – Mesa, AZ 85206 – (480) 969-9155 – View Map
• Pete Evans – State Farm Insurance Agent
  5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952 – View Map
• Cie Taylor – State Farm Insurance Agent
  2801 E McKellips Rd – Mesa, AZ 85213 – (480) 830-1513 – View Map

View more Mesa agents

Independent Insurance Agents

Independent agents are not restricted to one company and that gives them the ability to insure with multiple insurance companies and find the cheapest rate. If they quote lower rates, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing car insurance rates, we recommend you compare quotes from several independent agencies to have the best price comparison. Most also have access to smaller mutual companies which may provide better rates.

The following are Mesa independent insurance agents that can give you price quotes.

• AALL Insurance
  354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
• Canyon Lands Insurance: Donalds Jeffrey
  1550 E University Dr – Mesa, AZ 85203 – (480) 668-7000 – View Map
• Jarosch Insurance
  2815 S Alma School Rd #111 – Mesa, AZ 85210 – (480) 839-8488 – View Map

View more Mesa agents

Car insurance savings summarized

Consumers leave their current company for a number of reasons such as denial of a claim, extreme rates for teen drivers, unfair underwriting practices and even poor customer service. It doesn’t matter what your reason, switching companies can be pretty painless.

The cheapest Lexus HS 250h insurance in Mesa can be found both online and with local Mesa insurance agents, and you should compare rates from both to have the best selection. Some car insurance companies may not offer price quotes online and many times these regional carriers work with local independent agents.

You just learned a lot of tips how to compare Lexus HS 250h insurance premium rates in Mesa. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

For more information, feel free to browse the articles below:

• Car Insurance: When not to Skimp (BankRate.com)
• Who Has Affordable Auto Insurance Quotes for Retired Military in Mesa? (FAQ)
• Who Has Affordable Mesa Car Insurance for a Ford Escape? (FAQ)
• How Much are Auto Insurance Rates for a Chevrolet Malibu in Mesa? (FAQ)
• How Much are Mesa Car Insurance Quotes for a Honda Accord? (FAQ)
• How Much are Auto Insurance Rates for a GMC Sierra in Mesa? (FAQ)
• Who Has Affordable Auto Insurance for Drivers Over Age 70 in Mesa? (FAQ)
• Teen Driving Statistics (GEICO)
• Car Insurance FAQ (Trusted Choice)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)