2001 Lotec Sirius - car insurance quotes

How much does it cost to insure a  Lotec Sirius 5.987 cc in 2023?

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The average insurance rate is at $3,233 per year for  adults, $5,364 for  teens and $2,682 for  senior drivers.

How much does 2001 Lotec Sirius car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Lotec Sirius (this trim level of the 2001 Sirius) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Lotec Sirius is above $225 a month ($2.694 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Lotec you drive (https://en.wikipedia.org/wiki/Lotec)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Lotec model with 1201 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Lotec Sirius if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 2001 Lotec Sirius is $225 a month, which is around $2.694 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2001 Lotec Sirius is a 23 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of Sirius (2001) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern Sirius cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.

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Your vehicle's performance is another important factor that determines your auto insurance rates. Lotec Sirius, has engine power of 5987 cc, which means it's a high performance car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates.

Insurance Company	New Vehicles *	Used Vehicles *
Allied	$1,988	$1,916
GEICO	$1,461	$1,341
Nationwide	$2,131	$1,676
Progressive	$886	$718
State Farm	$1,197	$886
Texas Farm Bureau	$1,988	$1,605
USAA	$1,581	$1,341
* Rough estimate for a new vs 23 years old used Lotec Sirius, this trim level of the 2001 Sirius. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2001 Lotec Sirius car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Lotec, Sirius is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Lotec (made in 2001) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Lotec Sirius auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 2001 Lotec Sirius in 2023? As you can see below, the lowest rates are around $2394.8, while the highest ones fluctuate around $5029.08 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$2,550
American Family	$2,491
Erie	$2,488
Progressive	$2,931
State Farm	$3,228
Auto Owners	$2,869
State Auto	$3,401
Nationwide	$3,307
Farmers	$2,886
Allstate	$4,093
Safe Auto	$4,332
MetLife	$4,622
Victoria	$4,905
Allied	$3,460
Liberty Mutual	$4,126
Encompass	$5,137
* Just a rough estimate for 2001 Lotec Sirius, this trim level of the 2001 Sirius

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Sirius, make Lotec) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Lotec, Sirius will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 2001 Sirius car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2001 Lotec Sirius auto insurance rates by state!

How to calculate premium for Lotec Sirius (2001) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2001 Sirius () car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$1,796	$2,515
2	Ohio	$1,820	$2,562
3	Idaho	$1,868	$2,634
4	Virginia	$1,940	$2,754
5	Iowa	$2,012	$2,850
6	New Hampshire	$2,107	$2,898
7	Wisconsin	$2,131	$2,970
8	North Dakota	$2,179	$3,137
9	Indiana	$2,227	$3,305
10	North Carolina	$2,275	$3,425
11	Pennsylvania	$2,299	$3,616
12	Utah	$2,347	$3,664
13	Maine	$2,371	$3,736
14	Massachusetts	$2,419	$3,808
15	Alaska	$2,443	$3,856
16	Tennessee	$2,467	$3,951
17	South Dakota	$2,491	$4,167
18	Nebraska	$2,515	$4,287
19	Minnesota	$2,538	$4,359
20	Illinois	$2,538	$4,430
21	Hawaii	$2,562	$4,526
22	Alabama	$2,586	$4,598
23	Oregon	$2,610	$4,670
24	Missouri	$2,634	$4,837
25	Washington	$2,754	$5,005
26	South Carolina	$2,778	$5,125
27	Kansas	$2,850	$5,221
28	New Mexico	$2,898	$5,340
29	Arizona	$2,970	$5,388
30	New York	$3,017	$5,412
31	National average	$3,113	$5,484
32	New Jersey	$3,161	$5,652
33	West Virginia	$3,257	$5,700
34	Mississippi	$3,329	$5,771
35	Maryland	$3,401	$5,843
36	Montana	$3,496	$5,963
37	Nevada	$3,568	$6,011
38	Arkansas	$3,616	$6,107
39	Kentucky	$3,640	$6,203
40	Oklahoma	$3,760	$6,274
41	Wyoming	$3,832	$6,322
42	Colorado	$3,927	$6,442
43	Texas	$3,999	$6,490
44	Delaware	$4,095	$6,586
45	Georgia	$4,191	$6,610
46	California	$4,287	$6,681
47	DC	$4,359	$6,729
48	Connecticut	$4,454	$6,801
49	Rhode Island	$4,502	$6,825
50	Florida	$4,574	$6,969
51	Louisiana	$4,670	$7,065
52	Michigan	$4,766	$7,184
* Compare 2001 Lotec Sirius car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 2001 Lotec Sirius (Manual transmission, 3400 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Lotec Sirius annual insurance cost for a 16 year old is approximately $5508.04, while the cost of the same coverage for seniors aged 70 - 74 is $2538.488. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Lotec, Sirius have 5987 cc, 1201 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$5,269
20 - 24	$5,125
25 - 29	$4,311
30 - 34	$3,712
35 – 39	$2,994
40 – 44	$3,113
45 – 49	$2,850
50 – 54	$2,491
55 – 59	$3,065
60 – 64	$2,562
65 – 69	$2,682
70 – 74	$2,419
75 and more	$2,491
* Rough estimate for teens, adults and seniors who are driving Lotec Sirius (2001)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $2,036 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Lotec, Sirius good for senior drivers? If you have questions or issues relevant to Lotec Sirius or another vehicle, please ask in the discussion.

You know you need to insure your 2001 Rear Lotec, Sirius, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Lotec Sirius: Exterior Specs, Features & Options

The engine of Lotec, Sirius (12 cyl) is mated to a Manual transmission, that in this case, sends power to the Rear. Sirius Coupe, 5987 CC (liter), 1201 ps (98.6% of a brake horsepower) is matched to an this trim level of the 2001 Sirius for 2001. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Lotec, Sirius has horsepower of 1201 ps & 5987 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model this trim level of the 2001 Sirius has an engine torque of 1346 nm & 3400 rpm. The power and maximum speed of the Lotec Sirius vehicle (sorry, we do not know how fast will Lotec, Sirius accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Lotec, Sirius Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1280 kg is the weight of this model), its engine torque and the engine rotation speed.