Best Insurance for a Lexus HS 250h in Seattle

Do you want to stop overpaying and find more competitive Lexus HS 250h insurance in Seattle? I can’t think of a single person who likes having to buy car insurance, especially when they know they could lower their rates if they shopped around.

Shockingly, most car insurance buyers kept buying from the same company for a minimum of four years, and 38% of customers have never even shopped around for affordable coverage. With the average premium in Washington being $1,200, drivers could save approximately 40% a year by just shopping around, but they won’t spend time to go online and compare rates.

Big-name insurance companies like Progressive, GEICO and Farmers Insurance constantly blast consumers with ad campaigns and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

If you currently have auto insurance, you should be able to buy cheaper auto insurance using the techniques presented in this article. Finding affordable auto insurance coverage in Seattle is not rocket science. Although Washington drivers must know the way companies calculate your auto insurance rates and take advantage of how the system works.

Compare Seattle Lexus HS 250h insurance rate quotes

Keep in mind that getting more free quotes helps locate the best rates.

The companies shown below are our best choices to provide comparison quotes in Seattle, WA. If multiple providers are shown, it’s highly recommended you get rates from several of them to get the best price comparison.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in your specific Seattle location which can modify premium rates greatly.

Car insurance deductibles

One of the more difficult decisions when buying car insurance is how low should you set your deductibles. The following tables sum up the rate difference of buying low and high deductibles. The first table uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in specific zip code location which can revise price quotes noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $28 more each month or $336 annually than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 27 months between claim filings, you would probably be better off if you choose the higher deductible.

Higher deductibles save money

The diagram below illustrates how your deductible choice and can change Lexus HS 250h insurance costs for each different age group. Data assumes a single male driver, full coverage, and no discounts are applied.

Save a ton with discounts

Car insurance can be pricey, but there may be some discounts that many consumers don’t even know exist. Some of these discounts will be visible when you quote, but less common discounts must be requested specifically in order for you to get them.

• Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with slightly better prices than normal.
• Student in College – Older children living away from Seattle attending college and leave their car at home may be able to be covered for less.
• Auto/Life Discount – If the company offers life insurance, you could get a lower price if you buy a life insurance policy as well.
• Homeowners Savings – Just owning your own home can save a few bucks since owning and maintaining a home requires personal responsibility.
• Accident Forgiveness – Not a discount per se, but some insurance companies permit an accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
• Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts could see savings of 20% or more.

Keep in mind that some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The best car insurance companies and a selection of discounts can be found below.

• 21st Century may include discounts for automatic seat belts, homeowners, driver training, 55 and older, anti-lock brakes, and student driver.
• Progressive discounts include multi-vehicle, continuous coverage, good student, online signing, and multi-policy.
• State Farm may have discounts that include multiple autos, good driver, driver’s education, student away at school, multiple policy, Steer Clear safe driver discount, and good student.
• Nationwide includes discounts for accident-free, easy pay, family plan, multi-policy, good student, and defensive driving.
• Esurance has savings for emergency road assistance, good student, Switch & Save, claim free, multi-car, and defensive driver.
• The Hartford may offer discounts for anti-theft, driver training, good student, air bag, vehicle fuel type, defensive driver, and bundle.

Before buying, ask every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not be available in Seattle. If you would like to see a list of providers that offer discounts in Washington, follow this link.

Cut Insurance Costs with These Tips

Lots of things are considered when you get a price on insurance. Most are fairly basic such as traffic violations, but other factors are more transparent such as your marital status and annual miles driven. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that are used to determine the price you pay for insurance. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you cheaper rates.

Teen driver insurance costs – More experienced drivers are proven to be safer behind the wheel, tend to file fewer claims, and tend to be get fewer driving tickets.Young drivers are statistically shown to get distracted easily when at the wheel of a vehicle therefore insurance rates are much higher.

Save money by raising comp and collision deductibles – Deductibles for physical damage define the amount you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims are a windshield broken by a bird, collision with a deer, and damage caused by road hazards. The more money you pay before a claim is paid (deductible), the less money you will pay for insurance.

Vehicles with better crash test results cost less to insure – Cars with high safety ratings get lower rates. Highly rated vehicles reduce occupant injuries and reduced instances of injuries means your insurance company pays less and more competitive rates for policyholders.

Do you need those extra policy coverages? – Insurance companies have many optional add-on coverages that you can buy on your HS 250h policy. Coverage for things like rental car reimbursement, accident forgiveness, and term life insurance are examples of these. These coverages may sound good when discussing your needs, but if you don’t need them eliminate the coverages to reduce your premium.

Buying auto insurance from Seattle car insurance agents

A lot of people still like to talk to a local agent and that can be a smart move An additional benefit of price shopping on the web is you may find cheap auto insurance rates but still work with a licensed agent. Buying from local insurance agencies is definitely important in Seattle.

After filling out this simple form, the quote information gets sent to local insurance agents who will give competitive quotes for your business. There is no need to search for any insurance agencies since price quotes are sent to your email. You can find better rates AND an agent nearby. If you want to get a price quote from a specific auto insurance provider, just search and find their rate quote page and give them your coverage information.

If you need to find a good insurance agency, you must know there are a couple different types of agents and how they can write your policy. Auto insurance agents are classified as either exclusive or independent (non-exclusive).

Independent Agencies or Brokers

These type of agents are not locked into one company so they can quote policies with multiple insurance companies and find the cheapest auto insurance rates. If they quote lower rates, your agent can switch companies and the insured can keep the same agent. If you are comparing auto insurance prices, it’s recommended you include rate quotes from at least one independent agent to maximize your price options.

Shown below is a partial list of independent agencies in Seattle who may provide free price quotes.

More insurance agents

Exclusive Agencies

Agents that choose to be exclusive can only quote rates from one company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on what they offer and that allows them to sell at a higher price point.

Shown below is a short list of exclusive agencies in Seattle willing to provide price quotes.

More insurance agents

Choosing the best insurance agency should depend on more than just the bottom line cost. The following questions are important to ask.

• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Can you use your own choice of collision repair facility?
• When do they do a full risk review?
• Are they able to influence company decisions when a claim is filed?
• Where are claims handled?
• Is the agency active in community causes in Seattle?

Auto insurance can get complicated

Keep in mind that when it comes to choosing your policy, there is no best way to insure your cars. Your situation is unique and your policy should reflect that.
These are some specific questions can help discover if you could use an agent’s help.

• Does insurance cover damages from a DUI accident?
• If my pet gets injured in an accident are they covered?
• How high should my uninsured/underinsured coverage be in Washington?
• Can I make deliveries for my home business?
• Should I buy more coverage than the required Washington minimum liability coverage?
• Who is covered by my policy?

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, take a second and complete this form or you can go here for a list of companies in your area.

Keep this in mind when shopping around

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut collision coverage only to regret that the savings was not a smart move. The aim is to buy a smart amount of coverage at a price you can afford.

You just read a lot of techniques to compare Lexus HS 250h insurance premium rates in Seattle. It’s most important to understand that the more times you quote, the better chance you’ll have of finding the cheapest Lexus HS 250h rate quotes. Drivers may even discover the lowest priced insurance comes from a small local company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.

Additional articles

• What to do at the Scene of an Accident (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance Quotes for a Nissan Altima in Seattle? (FAQ)
• What Auto Insurance is Cheapest for Drivers Under 25 in Seattle? (FAQ)
• What Car Insurance is Cheapest for College Graduates in Seattle? (FAQ)
• Who Has the Cheapest Seattle Auto Insurance Quotes for Homeowners? (FAQ)
• Winter Driving (Insurance Information Institute)
• State Laws for Cellphones and Texting (iihs.org)
• Insurance Losses by Make and Model (iihs.org)