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Lexus IS 200t Insurance Rates

Comparing auto insurance through online companies is easy, plus you might just save a little. The key is to get rates from all companies so you can compare the lowest prices.

Beginners to buying insurance may think finding low-cost IS 200t insurance is difficult. Cutting your IS 200t insurance cost is not a difficult process. Drivers just need to take a couple of minutes to get quotes from different insurance companies. This can be done by visiting this page.

Rates are determined by the following

Auto insurance rates on a Lexus IS 200t can fluctuate considerably based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating impacts rates
  • Male rates may be higher
  • Higher deductibles save money
  • Crash test rating for your IS 200t
  • Claims drive up premiums
  • Having current coverage saves
  • Home ownership saves money

A final factor that can impact IS 200t insurance rates is the model year. A newer vehicle have a higher value in comparison to later models so repair costs are higher which may result in higher rates. On the flip side, newer vehicles may have a trim level with safety features like a rollover prevention system, forward-collision avoidance, and dual-stage airbags which may provide discounts that lower premiums.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Coverage for liability - Liability insurance can cover damage or injury you incur to people or other property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision - This coverage covers damage to your Lexus resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your IS 200t can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper IS 200t insurance rates.

Comprehensive coverage (or Other than Collision) - This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your Lexus IS 200t comprehensive insurance. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments - Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. PIP is not an option in every state but can be used in place of medical payments coverage.

How Much are Lexus IS 200t Insurance Rates?