Lexus: Insurance Guide
If you are a Lexus owner, you already know insurance isn't cheap. But there are many discounts and deals to be had. You just need to know where to look.
This article applies to the Lexus IS, ES, LS, GS, and RX (2005-2013).
Many of us would love for car insurance quotes to be a flat, cheap rate. The overall cost of your insurance depends on a number of different factors including where you live, the model of your Lexus, and the insurance company you choose. On the bright side, depending on your situation, you can get multiple car insurance options before you decide on purchasing a car. Check out the tips from these reviews to get a better understanding.
Location, Location, Location
It is a well known fact that where you live will have an impact on your car insurance. Drivers that live in the country generally notice lower rates compared to those that live in urban cities. Your region and how an insurance company reviews your Lexus will have an impact on the overall annual rate for an insurance policy. Drivers residing in Phoenix, for example, see higher insurance rates in the state of Arizona. This car is well known to be purchased by driving enthusiasts. In Los Angeles, the rates are lower for 6 months for $587. Lexus Integra Type R vehicles are prone to high theft and as a result, have high insurance rates.
Vehicle Make and Model
The car insurance for a Lexus IS is high due to a high number of drivers that have speeding tickets, damaging accidents, street racing, and car thefts. On record, it is one of the top highest insured cars in the United States as it is considered a 4-door sports car. Lexus cars also cost more than the average car on the market to repair.
Car Insurance Company
Car insurance companies differ across the nation. It is recommended you ask questions to get an idea of the factors they review when making a decision. GEICO, for example, offers bundled insurance for multiple car owners for discounted rates on monthly insurance premiums. It is considered one of the best car insurance companies for reasonable insurance.
Common Questions
How do I get affordable car insurance?
Maintain a good driving history and keep your credit score in good standing. Research a few vehicles you like, and find out how much the insurance rate will be by calling multiple insurance companies for quotes.
Do all drivers need car insurance?
Can insurance is a requirement. Most states enforce a hefty fine for uninsured drivers.
How do I lower my car insurance?
Take advantage of savings by joining a professional association your auto insurer will provide a discount for being a part of. Another option is to work with an insurance broker. They generally provide cheaper rates. Staying with one insurance company for a long period of time is a good way to take advantage of discounts over time. Adding a second driver to your policy also helps. If you are a good student and have high grades to show for, ask your insurance company if they offer a discount.
Take Advantage of Car Insurance Discounts
Many drivers out there are unaware that there are little things to do to take advantage of car insurance discounts. Check out a few of these opportunities below.
Bundle insurance coverage
Take advantage of savings by using one auto insurance company to insure your home, car, health, etc. Companies are more willing to work with customers on lowering auto rates.
A+ credit standing
Credit standing also plays a role in the amount of your monthly payment and annual coverage.
Newer car models
Another factor includes a newer model that is sold 1 year before the release if it does not have a predecessor. For example, the IS 350 is more expensive to insure compared to the IS 300 model.
Figure 5. IS 350. 
Figure 6. IS 300.
Related Discussion
- Insurance Companies and Rates - ClubLexus.com
