Really, the only way to find affordable Lexus IS 250 insurance in Kansas City is to do a yearly price comparison from companies in Missouri. This can be done by following these steps.
- Try to understand coverages and the measures you can control to keep rates low. Many factors that drive up the price like speeding tickets, accidents and poor credit can be eliminated by making lifestyle changes or driving safer. Continue reading for more details to get cheaper coverage and find available discounts that you may qualify for.
- Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices from multiple sources.
- Compare the price quotes to the premium of your current policy and determine if cheaper IS 250 coverage is available in Kansas City. If you can save money and decide to switch, verify that coverage does not lapse between policies.
One bit of advice is to use the same liability limits and deductibles on each quote request and and to compare as many carriers as you can. This enables a fair price comparison and a better comparison of the market.
A recent NerdWallet.com study revealed that a large majority of drivers have bought insurance from the same company for at least four years, and just short of a majority have never even compared rates from other companies. With the average insurance premium being $1,469, Missouri drivers could save nearly 25% every year, but most tend to underestimate how much savings they would realize if they switched to a more affordable policy.
Best companies for Lexus IS 250 insurance
The companies shown below are our best choices to provide quotes in Kansas City, MO. To find cheap car insurance in MO, we recommend you get price quotes from several of them to get a more complete price comparison.
Lexus IS 250 detailed coverage information
The data table shown below highlights detailed analysis of insurance policy prices for Lexus IS 250 models. Having a good grasp of how insurance rates are calculated can be useful when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| IS 250 4-Dr Sedan | $186 | $436 | $274 | $16 | $82 | $994 | $83 |
| IS 250 AWD 4-Dr | $206 | $436 | $274 | $16 | $82 | $1,014 | $85 |
| IS 250 C 2-Dr Convertible | $206 | $436 | $322 | $20 | $96 | $1,080 | $90 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in zip code location which can alter insurance rates considerably.
Deductible analysis
One of the more difficult decisions when buying insurance is how high or low should comp and collision deductibles be. The rates shown below help summarize the rate fluctuation between high and low deductibles. The first rate table uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| IS 250 4-Dr Sedan | $258 | $562 | $226 | $14 | $68 | $1,153 | $96 |
| IS 250 AWD 4-Dr | $288 | $562 | $226 | $14 | $68 | $1,183 | $99 |
| IS 250 C 2-Dr Convertible | $288 | $562 | $266 | $16 | $80 | $1,237 | $103 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| IS 250 4-Dr Sedan | $144 | $296 | $226 | $14 | $68 | $748 | $62 |
| IS 250 AWD 4-Dr | $160 | $296 | $226 | $14 | $68 | $764 | $64 |
| IS 250 C 2-Dr Convertible | $160 | $296 | $266 | $16 | $80 | $818 | $68 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in Kansas City location which can alter rates substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $34 more each month or $408 every year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 26 months between claims, you would more than likely save some money by going with a higher deductible.
The diagram below illustrates how choosing a deductible and can increase or decrease Lexus IS 250 insurance rates for each different age group. Data assumes a married female driver, full coverage, and no discounts are applied.
Do you need full coverage?
The example below compares Lexus IS 250 insurance costs with and without physical damage coverage. The premiums are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are factored in.
When to stop buying full coverage
There is no definitive rule of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Lexus IS 250 claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after you pay the deductible. If premium cost is more than $600 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Don’t neglect these rate reducing discounts
Some providers do not advertise all discounts in a way that’s easy to find, so the next list breaks down a few of the more well known and also the lesser-known credits available to lower your premiums when you buy Kansas City car insurance online.
- New Car Discount – Insuring a new IS 250 can save you some money because new model year vehicles have to meet stringent safety requirements.
- Club Memberships – Joining a qualifying organization may earn a discount on your next insurance statement.
- Discount for Multiple Policies – If you combine your auto and home policies with one insurance company you could earn a discount of up to 20% off your total IS 250 insurance premium.
- No Claim Discounts – Insureds with no claims or accidents pay much less when compared to policyholders that have many claims.
- Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
- Military Deployment Discount – Having a family member in the military could qualify you for better rates.
- Data Collection Discounts – Kansas City drivers who agree to allow driving data collection to scrutinize vehicle usage by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
- Senior Citizen Discount – If you qualify as a senior citizen, you may receive a small discount on rates.
Consumers should know that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you’re out of luck. But any discount will lower your policy cost.
The information below compares Lexus IS 250 yearly insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, no violations or claims, Missouri state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, safe-driver, marriage, and multi-car discounts applied.
Companies and some of their more popular discounts are outlined below.
- AAA offers discounts including education and occupation, AAA membership discount, good driver, multi-policy, good student, and pay-in-full.
- Progressive includes discounts for multi-vehicle, homeowner, online signing, good student, multi-policy, and continuous coverage.
- State Farm may have discounts that include good student, multiple policy, driver’s education, passive restraint, student away at school, and good driver.
- Esurance has savings for anti-theft, emergency road assistance, safety device, homeowner, good student, and good driver.
- Nationwide policyholders can earn discounts including business or organization, Farm Bureau membership, good student, family plan, accident-free, and defensive driving.
If you are trying to find affordable Lexus IS 250 insurance quotes, ask every insurance company the best way to save money. Savings might not be offered everywhere.
You may need specialized auto insurance coverage
When quoting and comparing the best auto insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different and your auto insurance should unique, too. These are some specific questions can aid in determining if your insurance needs will benefit from professional help.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Will my insurance pay for OEM parts?
- Does rental coverage apply when I am renting a car?
- Am I covered when driving in Canada or Mexico?
- What states are considered no-fault?
- Why do I only qualify for high-risk insurance?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Compare rate quotes but still have a local Kansas City insurance agency
Some consumers still prefer to get professional advice from a licensed agent and we recommend doing that A good thing about comparing rates online is that drivers can save money and get the best rates and also buy local.
After completing this short form, your coverage information is sent to insurance agents in Kansas City that can give you free Kansas City car insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to search for any insurance agencies because quoted prices will be sent to the email address you provide. You can get cheaper insurance rates without having to waste a lot of time. If you have a need to compare prices for a specific company, just jump over to their website and fill out their quote form.
Finding a good insurer requires you to look at more than just a cheap price. Any agent in Kansas City should be willing to answer these questions.
- Do they specialize in personal lines coverage in Kansas City?
- Will one accident increase rates?
- How are they compensated?
- Do you qualify for any additional discounts?
- If you are a high risk driver, do they have special markets for your coverage?
When finding a good Kansas City insurance agent, it’s important to understand the types of agencies and how they can quote your rates. Insurance agents in Kansas City are considered either independent or exclusive.
Exclusive Agents
Exclusive agencies can only write with one company and some examples include State Farm, Allstate, or Farmers Insurance. These agents are unable to give you multiple price quotes so they really need to provide good service. They are highly trained on their company’s products which aids in selling service over price.
The following is a list of exclusive agents in Kansas City that are able to give comparison quotes.
American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300 – View Map
Carleton Voorhies – State Farm Insurance Agent
7709 NW Prairie View Rd – Kansas City, MO 64151 – (816) 741-3558 – View Map
Farmers Insurance – Tim Presko
7817 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-6000 – View Map
Independent Agents
Independent agencies often have many company appointments and that is an advantage because they can write policies with lots of companies enabling the ability to shop coverage around. If your premiums go up, the agent simply finds a different carrier and you don’t have to find a new agent. If you need lower rates, we recommend you get insurance quotes from a couple of independent agencies to have the most options to choose from.
The following is a short list of independent agents in Kansas City that are able to give rate quotes.
Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826 – View Map
Francisco Banuelos Insurance
536 Benton Blvd – Kansas City, MO 64124 – (816) 920-5400 – View Map
Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map
More quotes mean more car insurance savings
In this article, we presented a lot of ways to save on Lexus IS 250 insurance in Kansas City. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the biggest savings come from a small mutual company. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive or GEICO.
Cheaper Lexus IS 250 insurance in Kansas City is definitely available from both online companies in addition to many Kansas City insurance agents, so get free Kansas City car insurance quotes from both of them in order to have the best price selection to choose from. Some car insurance companies may not provide internet price quotes and many times these regional insurance providers only sell coverage through local independent agents.
Additional detailed information is available in these articles:
- Collision Coverage (Liberty Mutual)
- Who Has the Cheapest Kansas City Auto Insurance for a Ford Explorer? (FAQ)
- How Much is Kansas City Auto Insurance for Drivers with Good Credit? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Preventing Carjacking and Theft (Insurance Information Institute)