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The LS is a luxury full-size luxury sedan in Lexus’ repertoire. Starting at just over $67,000, the car is on the upper spectrum of prices as far as Lexus goes, as one of its top rank sedans. However, as a buyer, you should also take into account the associated costs of ownership. What will fuel economy look like on this model? What will your monthly insurance premium be? If you’d like to learn more about how to save on your Lexus LS insurance, read on.
While there are other premium luxury sedans that offer a bit more in the LS’ class, the LS remains one of the most affordable options given everything the car gives you. You can’t really go wrong with the car; be it the comfortable and elegant interior, the full suite of power options and gadgets, or its strong engine, you can’t go wrong.
It is powered by a 4.6 liter V8, and comes in automatic transmission. It can be outfitted with an optional all-wheel drive train and a sports package, which gets you sports-tuned suspension as well as slightly more aggressive exterior styling. The LS comes with or can be outfitted: hard-drive based navigation system, heated front seats, park assist, and rearview cameras among other features. Make this car your own by choosing between the packages available.
Luxury cars are generally more costly to insure right off the bat, but there are ways to save. The first thing you’ll want to bear in mind is driving history. It is a direct gauge of your responsibility behind the wheel. Keep in mind that the less risk you pose to an insurer, the more savings will be passed along to you.
Another thing you’ll want to do is research. Shop around for various insurance companies, and make sure you pick the one offering you the best deal. Not all insurance companies will have the same incentives and discounts available. Do the homework, and you’ll save.
Have you considered slashing certain levels of coverage by a certain amount? Perhaps there are levels of coverage that made sense for you a couple of years ago, but make sense no longer. Review your policy. If you haven’t had an accident in a couple of years, you might consider raising the deductible on your collision coverage. You’ll see monthly savings with the premium reduction, and given your penchant for being a safe driver, it won’t be likely you’ll be in an accident.
However, there is a trade-off. If you do end up in an accident through no fault of your own, you’ll be liable for more of the costs up front. It will be monthly savings versus potential on-the-spot costs. You be the judge.
The 2012 LS has not been tested by the federal government, though the IIHS has. It has received a top score of “Good” on front and rear crash tests, though it hasn’t been tested for side or roof crash tests. These ratings are important because safe cars usually reduce your premium a bit.
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