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Lexus LS 400 Insurance Rates

You have lots of choices when comparing insurance rates on your Lexus vehicle. You can buy direct from an agent or shop online to compare rates from many different auto insurance companies. Comparing auto insurance through online rate quotes is easy and at the same time you can save money.

Beginners to comparison shopping may think finding low-cost Lexus LS 400 insurance is going to be difficult. Finding a better price on auto insurance can be surprisingly simple. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be done by comparing rates here.

What factors impact Lexus LS 400 insurance quotes?

Car insurance premiums on a Lexus LS 400 can fluctuate considerably based upon several criteria. Taken into consideration are:

  • The performance level of your LS 400
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Mature drivers pay less
  • Whether you are married
  • Special coverage such as replacement cost
  • Your claim history
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

An additional factor that can impact Lexus LS 400 insurance rates is the year of the vehicle. Newer models have a higher value than older models so repair costs are higher which may result in higher rates. But new Lexus models may have safety features including autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights which may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your LS 400 from available model years below.

Auto liability - Liability insurance provides protection from damages or injuries you inflict on people or other property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverages - This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage for your Lexus LS 400 can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.

How Much are Lexus LS 400 Insurance Rates?