Affordable Lexus IS 200t Insurance in Plano

  1. Home
  2. >
  3. Plano Auto Insurance
  4. >
  5. Lexus IS 200t

Discount Lexus IS 200t insuranceIt's hard to fathom, but nearly 70% of consumers kept buying from the same company for at least the last four years, and virtually 40% of consumers have never compared rates with other companies. U.S. consumers can cut their rates by 46.5% a year by just shopping around, but they feel it's too difficult to go online and compare rates.

The best way to get discount Lexus IS 200t insurance is to start doing an annual price comparison from different companies who can sell car insurance in Plano. This can be done by following these steps.

  • Step 1: Gain an understanding of the different coverages in a policy and the modifications you can make to drop your rates. Many things that cause high rates such as traffic citations and your credit history can be improved by making minor driving habit or lifestyle changes. Read the full article for more ideas to get better rates and get discounts that may be available to you.
  • Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from many different companies. Select a company
  • Step 3: Compare the price quotes to your existing policy and see if you can save money. If you find better rates, make sure there is no coverage gap between policies.

One piece of advice is that you'll want to make sure you compare identical limits and deductibles on each price quote and and to get rate quotes from as many companies as you can. Doing this helps ensure an apples-to-apples comparison and maximum price selection.

Why Smart Buyers Pay Less for Lexus IS 200t Insurance

Many different elements are part of the equation when you quote your car insurance policy. Some factors are common sense like an MVR report, although others are not quite as obvious such as your credit history or how safe your car is. The best way to find cheaper auto insurance is to take a look at some of the things that come into play when calculating the rates you pay for auto insurance. If you know what influences your rates, this empowers consumers to make smart changes that could help you find lower premium levels.

Premiums increase with driving tickets - How you drive influences premium rates substantially. Attentive drivers tend to pay less for car insurance compared to bad drivers. Even one moving violation can increase rates twenty percent or more. Drivers who have received dangerous violations such as DUI or willful reckless driving might be required by their state to submit a SR-22 form with their state in order to legally drive.

Drivers with responsible credit save on auto insurance - Credit history will be a significant factor in determining premium rates. People that have very good credit scores tend to be more responsible and file fewer claims than drivers with bad credit. If your credit history can be improved, you could be paying less to insure your Lexus IS 200t by improving your rating.

Prevent auto insurance lapses - Driving any period of time without insurance is against the law and any future policy may cost more because you let your insurance lapse for non-payment. Not only will rates go up, failure to provide proof of insurance might get you fines or a revoked license. Then you may be required to file a SR-22 with the Texas department of motor vehicles.

Certain employers raise premiums - Do you have a high-stress occupation? Occupations such as military generals, airline pilots, and dentists generally pay higher average rates because of intense work-related stress and lengthy work days. On the other hand, careers such as professors, athletes and retirees generally pay rates lower than average.

Only buy coverage you need - There are quite a few optional add-on coverages that sound like a good idea at the time but may not be useful. Add-on coverages like vanishing deductibles, accidental death, and extra life insurance coverage may be costing you every month. They may seem good when discussing your needs, but your needs may have changed so consider taking them off your policy.

When comparison shopping, comparing more rates from different companies will enable you to find the best offered rates. Not every company does Plano IS 200t insurance quotes online, so you need to compare price estimates from them, too.

The providers in the list below have been selected to offer comparison quotes in Texas. If you want the best auto insurance in TX, we suggest you visit as many as you can to get the lowest price.

Auto insurance does more than just protect your car

Despite the high cost, paying for auto insurance is required for several reasons.

  • The majority of states have mandatory insurance requirements which means the state requires a specific level of liability insurance coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your Lexus with a loan, most banks will require you to buy insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Lexus at a more expensive rate and require you to reimburse them for the much more expensive policy.
  • Auto insurance protects both your assets and your car. It will also cover medical transport and hospital expenses incurred in an accident. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If your Lexus gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of having insurance definitely exceed the price paid, especially when you need to use it. The average driver in America is overpaying over $820 a year so it's important to compare rates at every renewal to ensure rates are competitive.

Determine discounts to get cheap Plano car insurance quotes

The cost of insuring your cars can be expensive, but there are discounts available that many consumers don't even know exist. Some discounts will apply at the time of purchase, but less common discounts must be manually applied before being credited.Save money with discounts

  • Claim Free - Insureds with no claims or accidents can save substantially as compared to accident-prone drivers.
  • Seat Belt Discounts - Buckling up and requiring all passengers to use their safety belts can save up to 15% on medical payment and PIP coverage.
  • Student Driver Training - Teen drivers should successfully complete driver's ed class as it will make them better drivers and lower rates.
  • Multi-policy Discount - When you combine your home and auto insurance with one insurance company you will save nearly 15% which can help you find inexpensive Lexus IS 200t insurance in Plano.
  • Senior Discount - If you qualify as a senior citizen, you may receive lower premium rates.
  • College Student Discount - Youth drivers who are attending college and do not have a car may be insured at a cheaper rate.
  • Life Insurance - Some insurance companies give a small discount if you purchase life insurance.
  • Discounts for Government Workers - Active or former government employment can save as much as 8% with a few car insurance companies.
  • Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.

While discounts sound great, it's important to understand that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, car insurance companies aren't that generous. But any discount should definitely cut your policy premiums.

Companies that may include most of these discounts include:

Before you buy a policy, ask each insurance company how you can save money. Depending on the company, some discounts might not be offered on policies in every state. To see car insurance companies who offer discounts in Plano, follow this link.

What if I want to buy from local Plano car insurance agents?

A lot of people just want to buy from a licensed agent and doing so can bring peace of mind One of the great benefits of price shopping on the web is the fact that drivers can get the lowest rates and still have an agent to talk to. And buying from local agencies is especially important in Plano.

Insurance agents in PlanoOnce you complete this form (opens in new window), your information is immediately sent to agents in your area that can give you free Plano auto insurance quotes for your car insurance coverage. There is no need to search for an agent as quotes are delivered directly to you. Get lower rates and a licensed agent to talk to. If you need to quote rates from a specific insurance company, you just need to search and find their rate quote page and submit a quote form there.

When researching a good Plano insurance agent, there are a couple of different types of agencies that differ in how they can insure your vehicles. Agencies in Plano are considered either exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agents (or Brokers)

Agents that choose to be independent are not locked into one company so they can quote policies with any number of different companies and get the cheapest rates. If premiums increase, your agent can switch companies and that require little work on your part. If you are comparing rate quotes, you should always contact a couple of independent agencies for the best price selection.

Shown below is a short list of independent insurance agents in Plano that can possibly get you competitive price quotes.


3415 Custer Rd #161 - Plano, TX 75023 - (972) 964-4825 - View Map


1001 E 15th St #100 - Plano, TX 75074 - (469) 609-8156 - View Map


5048 Tennyson Pkwy #250 - Plano, TX 75024 - (972) 801-9188 - View Map

View more agents

Exclusive Agencies

These type of agents can only write with one company and examples are State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive agencies are well trained on their company's products which helps them sell on service rather than price.

Listed below are exclusive agencies in Plano who can help you get price quotes.


10185 Custer Rd #100 - Plano, TX 75025 - (972) 517-8859 - View Map


5501 Independence Pkwy Ste 311 - Plano, TX 75023 - (972) 519-0936 - View Map


5068 W Plano Pkwy Ste 277 - Plano, TX 75093 - (972) 250-4700 - View Map

View more agents

Selecting an insurance agent should include more criteria than just a cheap price. The answers to these questions are important, too.

  • Is the agent properly licensed in Texas?
  • Can they help ensure a fair claim settlement?
  • If they are an independent agency in Plano, which companies do they recommend?
  • Is the coverage adequate for your vehicle?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Does the company have a solid financial rating?
  • Will the agent help in case of a claim?
  • Do they have cheaper tiers of coverage?

Don't give up on cheaper rates

Cheaper auto insurance in Plano can be purchased from both online companies and with local Plano insurance agents, so get free Plano auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not offer online price quotes and these smaller providers only sell through independent insurance agents.

You just read a lot of techniques to save on Lexus IS 200t insurance in Plano. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable Lexus IS 200t insurance quotes. You may even find the most savings is with the smaller companies. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

Additional detailed information can be found by following these links: