Lexus IS 300 Insurance Cost

Comparing car insurance by comparing rates online can be fast and easy, plus you can save money. The most important part is to get as many rate quotes as possible so you can compare the lowest rate quotes.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to compare quotes and find the best price. By far the easiest way to find the lowest Lexus IS 300 insurance rates involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by these factors

Car insurance premiums for a Lexus IS 300 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• Higher deductibles save money
• Crash test rating for your IS 300
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor that can impact Lexus IS 300 insurance cost is the year of the vehicle. Used vehicles have a lower value than newer models so repair costs tend to be lower which may result in lower rates. Although newer models may have safety features included like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which may provide discounts that lower premiums.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

• 2018 Lexus IS 300 Insurance Rates
• 2017 Lexus IS 300 Insurance Rates
• 2016 Lexus IS 300 Insurance Rates
• 2005 Lexus IS 300 Insurance Rates
• 2004 Lexus IS 300 Insurance Rates
• 2003 Lexus IS 300 Insurance Rates
• 2002 Lexus IS 300 Insurance Rates
• 2001 Lexus IS 300 Insurance Rates

Auto liability insurance

This coverage protects you from damage or injury you incur to other people or property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision insurance

This coverage pays for damage to your Lexus caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Lexus IS 300 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper Lexus IS 300 insurance cost.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.

How Much are Lexus IS 300 Insurance Rates?