Lexboi99

ok i'm sure all of u know now from some of my posts that i'm gettin closer and closer to gettin a 99 ES300. Anyway i was wondering if the insurance on the ES300 is more than most cars? I had been on a website that showed auto reviews and it claimed it has a high insurance rate for this car yet this site doesn't seem to be accurate with things like that. Is this true?

lexusk8

I wouldn't say the insurance for the ES is higher than most cars, but I'd say it is generally high. My father's insurance for his '98 BMW is much higher than my ES. It really also depends on which insurance carrier you look into, your age, residency, vehicle and accident/ticket history, etc. If the website for an insurance company doesn't show accurate auto data, then I'd keep on shopping. Just my two cents.

zexen

just as lexusk8 mentioned, there are so many aspects as to the difference in insurance prices. lexusk8 covered most of them. generally there are many differnet things that can change the price. including what is covered in the insurance itself. the higher the coverage the higher the premium. it's common knowledge i know, but you gotta have enough coverage to be able to save the car in case of accident. as well as yourself.

njes300

I will give you an example .

My brother and I bought our cars the same time and have it under my sisters name to save on insurance . My sister has a good record .

his 00 accord ex coupe rate is higher then my 97 ES by $160

steviej

iTrader: (1)

don't forget location, location, location.
Example: My car registered in Boston would be about $2500/year. The same car, same driver, same coverage but registered in my town is $1041/year. I live an a coastal town about 20 miles south of Boston.

steviej

lexusk8

Wow Stevie, you must be glad not to live in Boston to put up with the insane insurance premiums. Maybe that's one of the reasons why there are so many people (especially those of the working class) now living in the towns outside of Boston surrounding I-95 and I-495 (i.e. Burlington, Framingham, etc.). Still, I keep hearing MA charges one of the highest insurance costs in the US.

I'm paying $1750/year with my '01 ES. My cousin from NYC told me I would be paying at least 3 grand if my car were registered there

mburnickas

Here in good old Taxachusetts, oops, Massachusetts your car insurance is low unless you are on the "Hot list" My lexus year is not (1998) but the 99 and ups are. Thanks to the wonderful people in Springfield, Boston, lowell, etc.

steviej

iTrader: (1)

heard that.

sj

Rit&Booner

I'm paying $292 for six months. Each 6 month renewal gets less if I maintain good driving record.
95 ES300, 152000 miles...

flipside909

In comparison to it's entry level luxury class...it's on average. But if you compare it to a Camry...it will cost more since it's in the "luxury" category.

Brad681

Here in Southern Illinois, I pay 276.43 for 6 months of full coverage insurance on my 2002 ES 300. Spouse chooses to drive a new, small, domestic car, Focus, and cost is nearly the same. I believe having all insurance coverage (home, office, life, auto, etc) at one company can make a large difference in total cost. Obviously, living in the middle of nowhere helps too!!!

liht

damn, i wish i was older. i pay $985 for 6 months on my 90, yes 90 es250. thats WITH a good student discount. I know its because of my car accident. but still...thats alot for a 18 year old living paycheck to paycheck (which dont come often with freelance work).
and thats with liability only!

lexusk8

Ouch ... well I know you're still young, but have you considered shopping around other insurance carriers? I don't think I could stand paying that much in your position, and there are dozens of carriers offering free auto quotes and such online or over the phone. If you wish, you could also take a safety driver's course through AAA or similar, and get a discount with your insurance premium. Just my two cents.

liht

heh. ive checked with several companies. its around 2 grand (low average) for 6month coverage.
arizona sucks. im buying a motorcycle, hah.