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Lexus IS F Insurance Rates

Buying auto insurance through online rate quotes can be fast and easy, in addition you may find lower rates. The most important part is to compare rates from all providers in order to have all your choices.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies selling insurance. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a Lexus IS F will vary greatly depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Your credit history
  • Where you live
  • Annual mileage can affect rates
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older Lexus models so the cost to replace them will push premiums up. But newer models have more advanced features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights so those may lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Auto liability

This coverage protects you from injuries or damage you cause to a person or their property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Lexus from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.

How Much are Lexus IS F Insurance Rates?