Affordable Quotes for Lexus IS 250 Insurance in Kansas City

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.

  1. 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.
  2. 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.
  3. 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.

Insurance quote for Lexus IS 250 in Kansas CityA recent 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.

Lexus IS 250 Insurance Rates in Kansas City, MO
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
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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.

Lexus IS 250 insurance prices with $100 deductibles
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
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Lexus IS 250 insurance prices with $1,000 deductibles
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
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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.

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.

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.

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.

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.

6405 N Oak TrafficwayKansas City, MO 64118(816) 436-7300View Map

7709 NW Prairie View RdKansas City, MO 64151(816) 741-3558View Map

7817 N Oak TrafficwayKansas City, MO 64118(816) 436-6000View Map

More Kansas City agents

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.

5575 NW Barry RdKansas City, MO 64154(816) 587-1826View Map

536 Benton BlvdKansas City, MO 64124(816) 920-5400View Map

902 Southwest BlvdKansas City, MO 64108(816) 994-3600View Map

More Kansas City agents

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.

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