Cheap Quotes for Lexus HS 250h Insurance in San Antonio

Insurance quote for Lexus HS 250h in San AntonioPaying for overpriced Lexus HS 250h insurance in San Antonio can consume your checking account and force you to make sacrifices. Doing a price comparison is a fast and free way to ensure you are getting the best deal.

It’s an obvious statement that car insurance companies don’t want you to look for cheaper rates. Consumers who rate shop once a year will, in all likelihood, switch car insurance companies because there is a significant possibility of finding good coverage at a lower price. A study discovered that people who routinely shopped around saved about $865 a year compared to people who never shopped around.

If finding budget-friendly rates on auto insurance in San Antonio is your intention, then having a good understanding the best ways to find and compare insurance rates can help you be more efficient. Lots of insurance companies contend for your insurance dollar, so it’s not easy to compare every company and get the best coverage at the lowest cost out there.

It’s a good idea to compare premium rates at least once a year due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the best price on Lexus HS 250h insurance in San Antonio last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to show you the quickest way to reduce your cost while increasing coverage.

Best companies for cheap Lexus HS 250h insurance in Texas

The providers in the list below are our best choices to provide free rate quotes in San Antonio, TX. If the list has multiple companies, we recommend you compare several of them to get a more complete price comparison.

Lexus HS 250h insurance charts and tables

The data table shown next outlines a range of coverage prices for Lexus HS 250h models. Learning a little about how policy rates are determined can help customers make informed purchases.


Lexus HS 250h Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HS 250H 4-Dr Sedan $234 $462 $310 $18 $94 $1,118 $93
HS 250H Premium 4-Dr Sedan $234 $462 $310 $18 $94 $1,118 $93
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in your specific San Antonio location which can alter rates noticeably.

Higher deductibles save money

One common question asked by San Antonio drivers is the level to set your comp and collision deductibles. The premium rates below can help illustrate the difference in cost when you choose different coverage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.


Lexus HS 250h insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HS 250H 4-Dr Sedan $370 $672 $324 $20 $96 $1,507 $126
HS 250H Premium 4-Dr Sedan $370 $672 $324 $20 $96 $1,507 $126
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Lexus HS 250h insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
HS 250H 4-Dr Sedan $228 $424 $324 $20 $96 $1,092 $91
HS 250H Premium 4-Dr Sedan $228 $424 $324 $20 $96 $1,092 $91
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in specific zip code location which can raise or lower coverage rates significantly.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $35 more each month or $420 for a full year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 21 months between claim filings, you would more than likely save some money by going with a higher deductible.

The example below highlights how deductible selection and can change Lexus HS 250h insurance prices for each age group. The premiums are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Lexus HS 250h liability-only versus 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 price estimates are based on no claims or driving violations, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Should you buy full coverage or liability only?

There is no specific rule to drop physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Lexus HS 250h settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $4,000 after paying the physical damage deductible. If it’s costing in excess of $400 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few situations where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.

Save money on Lexus HS 250h insurance in San Antonio with these auto insurance discounts

Companies offering auto insurance don’t always advertise every possible discount very well, so here is a list both well-publicized and the harder-to-find auto insurance savings.

As a sidenote, most discounts do not apply to the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will definitely reduce the premium cost.

The illustration below illustrates the comparison of Lexus HS 250h car insurance rates with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, claim-free, safe-driver, and homeowner discounts applied.

A few of the larger companies and some of their more popular discounts are shown below.

When getting a coverage quote, ask every company which discounts can lower your rates. All car insurance discounts might not be offered on policies in San Antonio. To see a list of auto insurance companies who offer auto insurance discounts in San Antonio, click here to view.

Don’t assume everyone needs the same auto insurance coverage

When choosing adequate coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help you determine whether you may require specific advice.

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Auto insurance quotes from local San Antonio insurance agencies

Many drivers just prefer to buy from a licensed agent and often times that is recommended Experienced insurance agents can help you choose the best coverages and will help you if you have claims. One of the benefits of getting free rate quotes online is that you can obtain lower rates and still choose a local agent. Supporting local agents is definitely important in San Antonio.

San Antonio insurance agentsTo find an agent, once you fill out this form (opens in new window), your information is submitted to agents in your area who will give competitive quotes and help you find cheaper coverage. There is no need to find an agent on your own since price quotes are sent directly to you. In the event you want to compare rates for a specific company, don’t hesitate to go to their quote page and fill out their quote form.

Deciding on an insurer should include more criteria than just a low price. These questions are important to ask:

Car insurance savings summarized

When you buy San Antonio auto insurance online, never reduce needed coverages to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The goal is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

You just learned a lot of techniques to reduce Lexus HS 250h insurance prices online in San Antonio. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest Lexus HS 250h rate quotes. You may even discover the lowest priced car insurance comes from a small local company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

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