1. Vehicles
  2. Lexus
  3. SC 300
  4. 2000 Model Year

2000 Lexus SC 300 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 4, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Feel like you’re a prisoner to an underperforming, overpriced insurance coverage policy? Believe me, you are not the only one feeling buyer’s remorse. With so many insurance companies to choose from, it’s nearly impossible to find the lowest price provider.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you should be able to save some money using this information. Drivers just need to learn the tricks to compare company rates online.

How to Buy Car Insurance Online

Finding lower car insurance rates is actually quite simple. All that’s required is to spend a few minutes comparing rates online from several insurance companies. This can be done in just a few minutes using one of these methods.

  • Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method keeps you from doing multiple quote forms to each individual car insurance company. Taking the time to complete one form will get you rate comparisons from several companies.
  • A different way to obtain and compare quotes online consists of visiting the website for each individual company to request a price quote. For instance, let’s say you want rates from GEICO, Safeco and Travelers. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming way to compare rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the professional guidance of a licensed agent. It is possible to comparison shop your insurance online and still use a local agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverage limits with every price quote. If you compare different values for each quote it will be next to impossible to determine the lowest rate for your Lexus SC 300.

Elements that influence Lexus SC 300 insurance rates

Smart consumers have a good feel for the factors that help determine the price you pay for insurance. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with big savings.

The following are some of the factors that factor into rates.

  • More miles equals more premium – The more miles you rack up on your Lexus in a year the higher your rate. Most insurance companies rate vehicles based on their usage. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. Double check that your insurance policy shows how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your SC 300 can result in significantly higher rates.
  • More than one policy can earn a discount – Some insurers will give a discount to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even with this discount, you may still want to shop around to confirm you are receiving the best rates possible. Drivers may still find a better deal by splitting coverages up.
  • Marriage pays dividends – Getting married helps lower the price on insurance. Having a spouse translates into being more mature and it’s proven that being married results in fewer claims.
  • Where you reside plays a part – Being located in a small town can be a good thing when talking about insurance. City drivers have to deal with much more traffic and longer commute times. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
  • Liability coverage protects you – The liability section of your policy will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Your car’s features help determine rates – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Small claims can cost you – If you file claims often, you can pretty much guarantee higher rates. Auto insurance companies generally give cheaper rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • With age comes lower rates – Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets. Young drivers have a tendency to be more careless in a vehicle therefore insurance rates are much higher.

Do you qualify for a discount?

Car insurance companies don’t necessarily list all available discounts very clearly, so the following is a list of both well-publicized and also the lesser-known ways to save on insurance coverage. If you’re not getting every credit available, you’re paying more than you need to.

  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for SC 300 insurance depending on your company.
  • Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of up to 25% or more.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums for SC 300 insurance.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of companies who offer insurance coverage discounts, click here to view.

What coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions might help in determining if your insurance needs might need professional guidance.

  • Why is insurance for a teen driver so high?
  • What vehicles should carry emergency assistance coverage?
  • Who is covered by my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I afford to buy a different vehicle if my 2000 Lexus SC 300 is totaled?
  • What happens if I owe more than my 2000 Lexus SC 300 is worth?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Car insurance policy specifics

Understanding the coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, hail damage, damage from flooding and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2000 Lexus SC 300.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses for nursing services, rehabilitation expenses, pain medications, prosthetic devices and EMT expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability

Liability insurance provides protection from damage that occurs to people or other property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like repair bills for other people’s vehicles, pain and suffering, medical services, attorney fees and loss of income. How much coverage you buy is a personal decision, but buy as much as you can afford.

Final thoughts

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured cut collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious 2000 Lexus SC 300 insurance is possible online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Other learning opportunities

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles