It’s safe to assume that auto insurance companies don’t want you shop around. Drivers who shop around for a cheaper policy are likely to buy a different policy because there is a great chance of finding a cheaper policy. A recent insurance study revealed that people who compared rates once a year saved as much as $3,400 over four years compared to drivers who never shopped for cheaper rates.
If saving the most money on insurance in Tucson is your ultimate goal, then learning about the best way to quote and compare insurance rates can make the process less intimidating.
The easiest way to get the cheapest Lexus HS 250h insurance in Tucson is to regularly compare price quotes from insurance carriers that sell auto insurance in Arizona.
First, read and learn about what is in your policy and the steps you can take to lower rates. Many policy risk factors that increase rates such as distracted driving and a not-so-good credit score can be amended by making minor driving habit or lifestyle changes.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can quote prices from multiple sources.
Third, compare the quotes to the premium of your current policy and determine if there is any savings. If you find a better price, make sure there is no lapse in coverage.
The key thing to know about shopping around is to try to compare the same deductibles and limits on each quote and and to look at every company you can. Doing this guarantees an apples-to-apples comparison and a thorough selection of prices.
Affordable Lexus HS 250h insurance quotes in Tucson
Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Certain credits will be shown when you purchase, but once in a while a discount must be asked about in order for you to get them. If you’re not getting every credit possible, you are not getting the best rate possible.
- Multiple Policy Discount – If you have multiple policies and place coverage with the same company you will save at least 10% off all policies.
- No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a specific time period.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
- Pay Early and Save – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.
- Low Miles Discount – Low annual miles may allow you to get slightly better auto insurance rates than normal.
- No Claims – Good drivers with no accidents can earn big discounts compared to policyholders that have many claims.
- Driver Training Discounts – Taking part in a defensive driving course may get you a small discount if you qualify.
- Online Discount – A few auto insurance companies will give a small break for completing your application digitally online.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy a life policy as well.
You should keep in mind that most discount credits are not given to the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, it’s just not the way it works.
The illustration below illustrates the difference between Lexus HS 250h yearly insurance costs with and without policy discounts. The premium estimates are based on a female driver, no tickets, 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 safe-driver, marriage, claim-free, multi-policy, homeowner, and multi-car discounts applied.
Popular auto insurance companies and their possible discounts are included below.
- Farmers Insurance may include discounts for early shopping, teen driver, good student, youthful driver, bundle discounts, alternative fuel, and multi-car.
- Esurance includes discounts for Switch & Save, online shopper, safety device, emergency road assistance, defensive driver, homeowner, and online quote.
- State Farm offers premium reductions for student away at school, multiple autos, driver’s education, Steer Clear safe driver discount, anti-theft, accident-free, and passive restraint.
- GEICO offers discounts for emergency military deployment, membership and employees, five-year accident-free, defensive driver, good student, and military active duty.
- Allstate offers discounts including economy car, senior citizen, farm vehicle, anti-lock brakes, good payer, and teenSMART discount.
When getting free Tucson car insurance quotes, it’s a good idea to all the companies the best way to save money. Some discounts may not be offered in your state. To choose insurance companies who offer auto insurance discounts in Tucson, click here.
Just remember that comparing more rates from different companies helps increase your odds of locating more affordable rates. Not every company allows you to get Tucson HS 250h insurance quotes over the internet, so it’s recommended that you also compare price quotes from the smaller companies as well.
The providers in the list below provide free quotes in Tucson, AZ. If you want cheap auto insurance in Tucson, AZ, we suggest you visit two to three different companies to get the most affordable price.
Lexus HS 250h insurance rates and statistics
The price information shown next showcases a range of insurance coverage prices for Lexus HS 250h models. Learning as much as possible about how prices are established is important for making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HS 250H 4-Dr Sedan | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| HS 250H Premium 4-Dr Sedan | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Information does not factor in specific garaging location which can influence auto insurance rates significantly.
Policy deductible comparison
One frequently asked question is how high should your deductibles be. The tables below may help to illustrate the differences in price of buying low and high insurance deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HS 250H 4-Dr Sedan | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| HS 250H Premium 4-Dr Sedan | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| HS 250H 4-Dr Sedan | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| HS 250H Premium 4-Dr Sedan | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in vehicle location which can impact insurance rates significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $39 more each month or $468 annually across all Lexus HS 250h models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 23 months between claims, you would save more money if you opt for a higher deductible.
Car insurance rates based on gender
The information below shows the difference between Lexus HS 250h insurance costs for male and female drivers. The costs are based on no accidents or driving violations, comp and collision included, $100 deductibles, marital status is single, and no discounts are factored in.
Rate difference between full and liability-only coverage
The information below shows the comparison of Lexus HS 250h insurance rates when comparing full coverage to state minimum liability only. The price estimates are based on no claims or violations, $100 deductibles, marital status is single, and no discounts are applied.
When to drop full coverage
There isn’t a written rule of when to eliminate physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your Lexus HS 250h book value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your policy deductible. If you are paying in excess of $700 a year for full coverage, then you might want to consider buying only liability coverage.
There are a few situations where only buying liability is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should maintain full coverage.
Learn How to Lower Your Insurance Rates
Lots of factors are used when quoting car insurance. A few of the factors are predictable such as your driving history, but others are less apparent like your vehicle usage or how safe your car is.
Auto insurance claims cost money – If you tend to file frequent claims, you should expect higher rates. Car insurance companies in Arizona generally give lower rates to drivers who are claim-free. Your insurance policy is designed for more catastrophic claims.
Drive a safer car and pay less – Vehicles that have high safety ratings get lower rates. The safest vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Liability coverage claims can be big – Liability insurance kicks in if ever you are responsible for an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
Being married brings a discount – Having a significant other actually saves money on your policy. Having a significant other demonstrates that you tend to be less irresponsible and it’s proven that married drivers get in fewer accidents.
More performance means more cost – The type of car you are trying to find cheaper insurance for makes a substantial difference in determining your rates. Lower cost passenger cars normally have pretty low rates, but there are many factors that impact the final cost.
The following data uses these variables: married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Lexus HS 250h insurance rates compared to other makes and models that have different performance rating factors.
Your address can push rates up or down – Being located in a rural area can save you money when insuring your vehicles. People who live in big cities have more traffic problems and longer commutes to work. Fewer drivers on the road corresponds to lower accident rates and a lower car theft rate.
Vocation stress can make you pay more – Do you work in a high-stress field? Careers like fire fighters, police officers, and stock brokers generally pay higher premium rates attributed to high stress and long work hours. On the other hand, careers like actors, students and retirees have the lowest average rates.
Vehicle features can affect auto insurance rates – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
When to get professional advice
When it comes to choosing your policy for your vehicles, there isn’t really a one size fits all plan. Your situation is unique and your auto insurance should unique, too. These are some specific questions may help you determine whether you might need professional guidance.
- Is my Lexus HS 250h covered for flood damage?
- What is the difference between comprehensive and collision coverage?
- Should I buy only the required Arizona minimum liability coverage?
- Does my car insurance cover rental cars?
- Is my son or daughter covered when driving my car?
- Who is covered when they drive my Lexus HS 250h?
- Why do I need rental car insurance?
- Why am I required to get a high-risk car insurance policy?
If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Car insurance agents near you
A small number of people would rather buy from a local agent and doing that can be a smart decision The biggest benefit of getting online price quotes is that you can obtain the best rates and still choose a local agent. And providing support for neighborhood agents is important especially in Tucson.
After filling out this quick form, your coverage information is emailed to local insurance agents in Tucson who want to provide quotes for your auto insurance coverage. You won’t even need to leave your house because prices are sent to you instantly. You can get cheaper auto insurance rates without having to waste a lot of time. If you wish to get a price quote for a specific company, you can always find their quoting web page to submit a rate quote request.
Compare rates from both independent and exclusive auto insurance agents
When researching a reliable agent, it can be helpful to understand the different types of agents and how they are distinctly different. Auto insurance policy providers are considered either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
Independent insurance agents are not required to write business for one company and that enables them to quote your coverage with an assortment of companies depending on which coverage is best. If they find a cheaper price, they simply move the coverage in-house and you stay with the same agent. When comparing auto insurance prices, it’s recommended you include independent agents to get the most accurate price comparison. They also have the ability to place coverage with lesser-known insurance companies which can save you money.
Listed below is a list of independent insurance agents in Tucson that can possibly get you free rate quotes.
- Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map - Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727 – View Map - McElwain Insurance
1717 N Tucson Blvd – Tucson, AZ 85716 – (520) 327-3369 – View Map
Exclusive Auto Insurance Agents
Agents of this type can only provide pricing for a single company and some examples include State Farm, AAA, and Liberty Mutual. These agents are not able to shop your coverage around so always compare other rates. They are well schooled on their company’s products which aids in selling service over price. Some people will only purchase coverage from exclusives partially due to loyalty to the company and solid financial strength.
Below is a list of exclusive insurance agencies in Tucson willing to provide price quote information.
- Allstate Insurance: Debe A. Campos-Fleenor
3206 E Grant Rd – Tucson, AZ 85716 – (520) 745-0169 – View Map - American Family Insurance – Juan M. Salazar Jr
1100 E Ajo Way Ste 210 – Tucson, AZ 85713 – (520) 792-2100 – View Map - Paul Heiser – State Farm Insurance Agent
2654 N Campbell Ave – Tucson, AZ 85719 – (520) 327-7884 – View Map
Finding the right insurance agency requires you to look at more than just the bottom line cost. Any agent in Tucson should have no problem answering these questions:
- Is there a Errors and Omissions policy in force?
- How many years of experience in personal auto insurance do they have?
- Will the quote change when the policy is issued?
- Is coverage determined by price?
- Will a damage claim use OEM or aftermarket replacement parts?
- If you raise deductibles, how much can you save?
- Do you work with a CSR or direct with the agent?
- Does the agency have a positive business rating?
Upon receiving good answers to any questions you have as well as a price you’re happy with, you may have just found an insurance agency that meets your needs to service your policy. But remember, you are entitled to cancel your coverage any time you want so don’t assume you are locked into any particular company for any length of time.
Insurance is not optional in Arizona
Despite the high cost of buying insurance for a Lexus HS 250h in Tucson, maintaining insurance serves several important purposes.
First, the majority of states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage in order to be legal. 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.
Second, if your car has a loan, it’s most likely the lender will make it a condition of the loan that you have insurance to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Lexus for a lot more money and require you to fork over much more than you were paying before.
Third, insurance safeguards both your Lexus HS 250h and your personal assets. Insurance will also pay for many types of medical costs that are the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance greatly outweigh the cost, especially if you ever need it. As of last year, the average driver in Arizona is overpaying more than $830 a year so you should quote your policy with other companies every year to ensure rates are competitive.
What is the best car insurance company in Tucson?
Insuring your vehicle with the best car insurance provider can be challenging considering how many companies provide coverage in Arizona. The company ratings below may help you pick which auto insurers to look at comparing prices from.
Top 10 Tucson Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Tucson Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
One last thing to lower rates
As you shop your coverage around, never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the best price while still protecting your assets.
Discount Lexus HS 250h insurance in Tucson is possible online in addition to many Tucson insurance agents, so you need to shop Tucson car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not have internet price quotes and most of the time these smaller companies sell through independent agencies.
More resources
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Rates for a Toyota RAV4 in Tucson? (FAQ)
- What Auto Insurance is Cheapest for Hybrid Vehicles in Tucson? (FAQ)
- What Auto Insurance is Cheapest for Teenage Males in Tucson? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)
- Senior Drivers (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)