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Lexus LS 400 Insurance Rates

There are many options when buying insurance for your Lexus vehicle. You can buy from a local agent or go online to check prices from many different companies. Comparing car insurance from online companies can be fast and easy and there is a good chance you might just save a little.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The recommended way to find competitive Lexus LS 400 insurance cost involves getting comparison quotes online. This can be accomplished by completing this short form.

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Auto insurance rates paid to insure a Lexus LS 400 can vary widely depending on several factors. Some of these factors include:

  • Higher performance LS 400 vehicles cost more
  • Any accidents you may have
  • Home and auto can earn discounts
  • How you use your vehicle
  • Extra coverages like towing and rental
  • What you do for a living
  • Your coverage level
  • Whether you own your home

A final factor that can impact Lexus LS 400 insurance rates is the model year. Used vehicles cost less in comparison to older models so the costs to repair may result in lower rates. On the flip side, newer vehicles may have a trim level with safety features like lane departure warning system, dual-stage airbags, and pedestrian detection which can give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your LS 400 below.

Liability coverage - This coverage can cover damage that occurs to a person or their property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage - This coverage covers damage to your Lexus from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper Lexus LS 400 insurance rates.

Comprehensive coverage - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Lexus LS 400 comprehensive insurance. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Because many people 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 a good idea.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus LS 400 Insurance Rates?