Vehicles > Lexus > IS 200t

Lexus IS 200t Insurance Quotes

Shopping for auto insurance by comparing rates online can be fast and easy, in addition you can save money. The most important part is to take the time to get rates from as many companies as possible so you can get every possible rate.

If shopping for auto insurance online is new to you, you may be confused by the hoards of online auto insurance companies and websites offering insurance. Reducing your IS 200t insurance cost can be quick and easy. All that's required is to spend a few minutes on the computer getting comparison quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

FREE Car Insurance Comparison

Criteria which help determine your insurance rates

Car insurance premiums for your Lexus IS 200t can vary widely depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Credit rating
  • Where you reside can make a big difference
  • High miles vs. low miles
  • Men typically pay more than women
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • Your claim history
  • Having current coverage saves
  • Owning a home can lower rates

An additional factor that will help determine IS 200t insurance quotes is the year of the vehicle. New vehicles have a higher replacement value than older models so the cost to replace them can inflate annual premiums. On the flip side, more recent Lexus vehicles may have safety features like a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors which can give discounted rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Auto liability insurance

This coverage will cover injuries or damage you cause to other's property or people by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Lexus resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to get cheaper IS 200t insurance quotes.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus IS 200t Insurance Rates?