Lexus CT200 insurance group
Compare car insurance costs for your Lexus CT200 based on your age and location.
The Lexus CT200 is a five-door hybrid hatchback car which has been dubbed as a “posh Prius” by several reviewers. So, if you’re looking to add a bit more luxury to your hybrid hatchback, the CT200 might interest you. In this guide, you’ll learn how much you could expect to pay to insure this vehicle based on the model version, your age and address.
What insurance group does the Lexus CT200 fall under?
Every vehicle you see on the road has been assigned a specific car insurance group, ranging from 1 (cheapest to insure) to 50 (most expensive). Insurers use these groups to determine a suitable cost for your premiums. Lexus CT200 models can be found in insurance groups ranging from 17 to 21, meaning the car will be cheaper to insure than the average vehicle.
However, the costs may vary slightly between different Lexus CT200 models and the insurance groups they appear in. As an example, a 30-year-old driver in an average postcode could pay around £800 for cover on a Lexus CT200 200h CT Premium Pack E-CVT auto 5d that is in insurance group 17 or around £822 for a Lexus CT200 200h 1.8 Premier 14- 5d CVT Auto that is in insurance group 21.
Lexus CT200 insurance cost by location
The table above shows the average cost of Lexus CT200 insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, including your home address.
To demonstrate the potential impact of where you live, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Lexus CT200 200h F-Sport E-CVT auto 09/2017 on 5d.
- Expensive: £960 (London SE1)
- Average: £800 (Newcastle NE1)
- Cheap: £588 (Galashiels TD1)
Which factors affect my Lexus CT200 insurance rate?
Along with insurance group, here are some more key factors that affect your insurance premium costs:
- Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. However, as all models of the Lexus CT200 have a 1.8-litre engine, there’s no need to compare.
- Driver location. Insurers will use previous claims data to measure how likely someone from your neighborhood is to make a claim on their car insurance. If you live in an area where motorists are more likely to claim, your premium rises to compensate for this added risk to insurers. For example, a 30-year-old in central London may pay £972 for insurance for a Lexus CT200 200h 1.8 Premier Sunroof 5d, while the same 30-year-old in Newcastle may only pay £822. This £150 difference occurs because motorists in London are more likely to claim on their car insurance.
- Driver age. The youngest drivers are historically most likely to claim on their car insurance, and that’s why they are charged far more than more experienced motorists. For example, the average 20-year-old driver in London may pay £1,691 for the Lexus CT200 200h F-Sport Non Leather E-CVT auto 5d, while the average 40-year-old Londoner will only pay £886. That’s a £805 difference between the two age groups.
Other factors that influence the cost of your insurance include:
- Your marital status
- Your credit history and job
- Your car’s safety rating score
- The model of your car
- The age of your car
- Your car’s security and any extra anti-theft precautions
- Annual miles driven
- Your driving history and activity
- No claims discount
How can I save on my Lexus CT200 premiums?
When hunting for the best car insurance deal, there are plenty of actions you can take to try and snap up a lower premium. We’ve listed some of them below.
- Limit your annual mileage (where possible). Are there any journeys you can occasionally take by foot or by public transport, rather than using your car? If there are, consider doing so, as it can reduce your annual mileage and this can help you to save on your premiums.
- Pay annually rather than monthly. Some insurance companies charge interest to customers who make monthly premium payments. Avoid these extra charges by paying in one annual lump sum.
- Install extra safety precautions. By adding extra safety measures, you make yourself less of a risk in the eyes of insurance companies. That’s why you’re quite likely to lower your premiums when you do so.
- Don’t blindly accept your renewal quote. Although it might be time consuming, make sure you shop around for the best deal when it’s time for renewal. Don’t blindly settle for the renewal price offered to you – there will usually be cheaper options available from competitors.
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