Car Insurance
Garmin nüvi 265W/265WT 4.3-Inch Widescreen Bluetooth Portable GPS Navigator with Traffic [C] [D] [-]
(Electronics) Garmin
Bright 4.3-inch diagonal color touchscreen; 480 x 272 pixels, WQVGA TFT display with white backlight
NOTE: Model number on the box is 265WT because the traffic receiver is included; however, the model number on the device itself is 265W as the "T" in 265WT refers to the additional component
Preloaded with City Navigator North America NT
Price:
$219.99
Answers
I'm sixteen years old and am getting ready to buy my car. I am wondering how much money i will be spending a year on car insurance, or by monthly. I will be driving a 2004 lexus is 300 and the car will mainly be used for going to school. i have good grades so i will probably get a discount. just a ballpark estimate would be great, Thanks!
i also have taken a defensive driving course at mid ohio raceway and have completed drivers ed
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
Since you are under the age of 18, you would be best served by being insured on your parent(s)' insurance policy as you are too young to sign a contract - and an insurance policy IS a contract.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
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What do you guys think would be my insurance with this car?
2002 Lexus 300 ES???
I'm 47 yrs old. Excellent Credit.
I'm also going to put it on Full Coverage....
What would be your prediction???
Tnx.... I'm guessing around 180
Why are you 47 in this question, and 18 in the registration question?
Price:
$199.99
$44.50
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Because it is a crappy excuse for a sports car.Some even think it gives them a social standing to drive them. Poor misguided people.
I'm 22 years old male, clean driving record, my dad just give me his 97 Lexus ES300, and we own the car together, so both his and my name are on the car registration.
The insurance is under his name at the moment, are there any advantage/disadvantage to switch the insurance to be under my name? Keep in mind that the car is owned by both of us. So if I'm in an accident which will be better off for me, insurance under him or me?
We have State Farm by the way, for about 6 month now.
If you are calling the car "yours" then you definately want it under your name.. put him down as an "additional insured" That way the state will know that the vehical with registration in his name has insurance. If you live with him then you can just have him listed on the policy but have it excluded. Now if you are looking to save money and the issue isnt really who gets the claim on thier name, then it would be better to check out both ways.. legally though if both your names are on the registration then the state needs to know that both of you have insurance.. his name as "additional insured" or yours.
I pay $380 a month for my car insurance. more than anyone else i know. Just curious what everyone else pays
Im a 20 year old male, single, living in California, have a 2002 bmw and a 1998 lexus, with 4 speeding tickets
the speeding tickets will all be off my record by the end of the year (they all occured in 2004). and no i dont need two cars but by adding a second car i got a multi car discount and my insurance only went up 20 bucks a month when i got the second car
You may be able to reduce your rate a bit if you raise your deductible.
Also, double check with your insurer to see if you have any overlapping coverage. A lot of people do, and if you don't ask, they won't tell. :-)
Is the Lexus still worth carrying comprehensive and collision coverage on? Check the blue book price to see what your pay out would be if it was totalled. If you have those coverages, you may want to drop them and just have liability. That will bring your rate down too.
Good luck.
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Lexus Car Insurance
Although Lexus Car Insurance laws vary by state, all states have legislations the either recommends or makes it mandatory to have car insurance on any Lexus that is registered to operate on public roads. A few states have financial responsibility laws only. In these states insurance is not compulsory, but a car owner’s license can be revoked or suspended if she can not provide proof of her ability to pay for losses that result from an accident. Most states require car owners to have insurance protection that meets certain minimum limits of liability. Bottom line: whether car insurance is compulsory or not, experts say it is a good idea to have coverage.
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