2IS insurance costs (merged threads)
12-13-05 | 08:05 PM
#61
Lexus Champion
Joined: Aug 2005
Posts: 2,726
Likes: 1
From: Overland Park, KS
Originally Posted by codex57
He's got a clean record. That's the best type to compare cuz it should be a baseline. All insurance companies like people with nothing on their record cuz they're a good risk for them. It gets hard to compare prices if someone has 1 point, someone else has more, etc. cuz different insurance companies treat different point amounts different.
For example, my old insurance company let me have one moving violation on record without jacking up my rates. Others would jack it up immediately. If there's nothing, there's no way for insurance companies to differ in that situation.
For example, my old insurance company let me have one moving violation on record without jacking up my rates. Others would jack it up immediately. If there's nothing, there's no way for insurance companies to differ in that situation.
12-13-05 | 09:48 PM
#62
Lexus Connoisseur
Joined: Mar 2001
Posts: 19,802
Likes: 534
From: USA
Originally Posted by kensteele
I think you guys are paying too much attention to other factors besides the most important one you should be which is risk.
12-14-05 | 08:56 AM
#63
Rominl Stalker
Joined: Nov 2005
Posts: 590
Likes: 0
From: CA
Originally Posted by flipside909
You hit the nail on the head! On top of that...rates are also dictated by the zip code your vehicle is registered in and how many miles you drive a year. So coverage in Mayberry, South Dakota will drastically be different than someone living in the Metro Los Angeles Area.
We've already talked about zip codes, personal injury attorneys, alluded to car theft. Other than number points on the license, I guess we haven't discussed risk at all. 
12-14-05 | 02:50 PM
#65
Pole Position
Joined: Dec 2005
Posts: 243
Likes: 8
From: Kentucky
I just got my updated policy in the mail from the main office of my insurance company. It has the corrected rates that the agent (see my first post in this thread) screwed up. I was origionally quoted $560 every six months but the corrected amount is $418.99 every six months. 
I'm very happy with that. And I got a $125 check from where I overpaid the agent.!
I'm very happy with that. And I got a $125 check from where I overpaid the agent.!
12-14-05 | 02:56 PM
#66
Lexus Champion
Joined: Aug 2005
Posts: 2,726
Likes: 1
From: Overland Park, KS
Originally Posted by Morrissey
What does Lexus Financial require in terms of minimum required coverage for a leased car? I mean, is it $50,000/$75,000? Do you need Comprehensive/Collision coverage?
12-14-05 | 03:40 PM
#68
Driver School Candidate
Joined: Dec 2005
Posts: 11
Likes: 0
From: ny
Originally Posted by Payam
It's official, I just got my insurance plan today. For the IS350 and a 2000 Camaro, on my not so good driving record, $1686 every 6 months.
12-14-05 | 03:46 PM
#69
Farmers insurance.
for my S2000 i'm paying 1020/6months full coverage 1000 deduct. just change to liability and now it's 300/6 month.
for my IS350 i'm paying 451.90/6month full coverage 1000 deduct. if i want 500 deduct i'll pay another 100 some more for every 6 months.
for my S2000 i'm paying 1020/6months full coverage 1000 deduct. just change to liability and now it's 300/6 month.
for my IS350 i'm paying 451.90/6month full coverage 1000 deduct. if i want 500 deduct i'll pay another 100 some more for every 6 months.
12-14-05 | 11:43 PM
#71
Lexus Test Driver
Joined: Dec 2005
Posts: 1,114
Likes: 0
From: Clearwater, FL
Originally Posted by 06350is
Thats for both cars or just the lexus????
12-15-05 | 03:54 AM
#72
Originally Posted by flipside909
I believe in higher liability coverage. 100/300 should be the minimum IMHO. Protect yourself and your assests. Lower deductibles are best too. 
100/300 was the minimum lexus made me take through my insurance..they wouldnt allow it to be any lower
12-15-05 | 07:43 AM
#73
Driver
Joined: Nov 2005
Posts: 159
Likes: 0
From: CA
Originally Posted by CaThaFeR
100/300 was the minimum lexus made me take through my insurance..they wouldnt allow it to be any lower
Will they inform you that YOU need to change your coverage, or will they just impose insurance on you without warning?
12-15-05 | 11:08 AM
#75
Originally Posted by Morrissey
How long until they "made you" change your insurance? I've had my car for a month and they haven't said anything to me.
Will they inform you that YOU need to change your coverage, or will they just impose insurance on you without warning?
Will they inform you that YOU need to change your coverage, or will they just impose insurance on you without warning?
if you pay off the car and no insurance... just don't let the cop know.
you get a month cover by your last car insurance...