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Lexus IS 200t Insurance Rates

There are many options when comparing insurance rates on your Lexus vehicle. You can buy direct from an insurance agent or get quotes online to compare pricing from insurance carriers. Comparing auto insurance by getting online quotes saves time, is easy to do and there is a good chance you may find lower rates.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This can be done by visiting this page.

Insurance premiums on a Lexus IS 200t will vary greatly and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Extra coverages like towing and rental
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older Lexus models so the costs to repair will push premiums up. But new Lexus models have more advanced features including pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your IS 200t below.

Liability - This provides protection from damage that occurs to people or other property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision coverages - This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your IS 200t can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.

How Much are Lexus IS 200t Insurance Rates?