If you own a Lexus, you probably place a high value on the things Lexus excels at: dependability, practicality, and long-lasting quality. You require the same things from your insurance policy. However, every company is unique, and comparing options can quickly become overwhelming. The age of your Lexus Ls 460 is an essential factor in determining your insurance rate. The average annual cost of Lexus Ls 460 car insurance is $2,868. However, exact rates vary by model: the Ux 200 Base, for example, costs $256 more per year to insure than the Gx 460 Luxury. Here’s how much it costs to insure your Ls 460 based on the model year.
| Insurance company | Average Cost |
|---|---|
| Plymouth Rock | $4,174 |
| Clearcover | $3,434 |
| Nationwide | $2,844 |
| State Auto | $2,394 |
| Electric | $3,014 |
| Allstate | $2,430 |
| Progressive | $3,010 |
| Mercury | $2,623 |
| Gainsco | $1,533 |
| AAA | $1,356 |
Best Car Insurance for Lexus Ls 460 by Age
If you’re a young driver, you may believe you need literal superpowers to find good car insurance at a reasonable price. Stuff happens, and when it does, whether it’s a speeding ticket while listening to a new song or a DUI after a night of bad decisions in college, insurance companies are likely to raise your rates and even label you a “high-risk driver.” This is because most insurance companies classify drivers under 25 as “high-risk drivers,” regardless of their driving record. The reasoning is sound: young drivers have less experience and statistically higher accident rates. Companies raise premiums for young drivers to account for their perceived risk, even if their records are spotless. Are you frustrated? We understand. Just because you’re young doesn’t mean you’re an unsafe driver—and it doesn’t mean you have to pay too much for insurance. There are a few easy ways to reduce your rates as a young driver:
- If you’re a B-average student, look for companies that provide good student discounts.
- Talk to your friends and family about making a family plan. Sharing your policy with an older, the statistically safer driver can help you save money on coverage and premiums.
- Take a driver education course. Many companies provide discounts to young drivers who are willing to go through some defensive driving training.
- Driving safely and remaining loyal to a single company for a few years could earn you multiple discounts for good driving and loyalty.
- Take advantage of your generation’s technological know-how by tracking your driving with a telematics programme. You could get insurance discounts and other benefits based on your driving (rather than your age)
If you’re under 25, you could pay up to $20 more per month for insurance. The table below compares Jerry’s customers’ average rates by age.
Average Cost By Age
Best Car Insurance for Lexus Ls 460 by Location
Maybe you have a spotless driving record and a lot of experience behind the wheel. But why are your insurance premiums still so high?
It’s all about taking chances. Suppose you live in an area with a high auto theft rate, traffic accidents, or severe weather, the risk to your vehicle increases. Your insurance company sees a higher risk of expensive claims where you see your neighbourhood, and they’ll factor that into your premium.
Driving a Lexus Ls 460
If you own a Lexus Ls 460, here’s what you need to know about your vehicle:
Your insurance rate is affected by the trim level you choose at the dealership. Choosing the top-tier TRD trim will cost more upfront and increase your monthly expenses.
If you purchased your Lexus Ls 460 brand new, you should consider new car replacement insurance to protect your investment. Regular maintenance will keep your [model] in top condition and help you avoid accidents that could raise your insurance rate. Follow the maintenance schedule recommended in your owner’s manual.
