1975 Lotus Esprit - car insurance quotes

How much does it cost to insure a  Lotus Esprit S1 Classic, 1.973 cc in 2023?

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The average insurance rate is at $1,065 per year for  adults, $1,768 for  teens and $884 for  senior drivers.

How much does 1975 Lotus Esprit 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? Lotus Esprit (S1) 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 Lotus Esprit is above $74 a month ($888 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Lotus you drive (http://www.lotuscars.com/)! 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 Lotus model with engine power 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 Lotus Esprit 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 1975 Lotus Esprit is $74 a month, which is around $888 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How much is car insurance for a 49-year-old classic car?

If you are an owner of 49-years-old Lotus Esprit classic car, you are a happy holder of a collector's, historic, vintage or even antique car. Older vehicles are typically cheaper to insure because they are less valuable than newer models. This, unfortunately, does not apply to classic, special and historic cars older than 35 years, such as Lotus Esprit made in 1975. How can you lower the cost of your classic car insurance? Limit your mileage and increase your security! Most collectible, antique and classic vehicles are poorly protected against theft. Buy and install a tracking device, alarm or anti-theft system into your 1975 Esprit. Given that collector and historic automobiles are not just "consumer" vehicles, it is very important to buy a specialised classic car insurance policies to protect these antique vehicles against damage, vandalism and the increased risk of theft.

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Lotus Esprit, S1 has engine power of 1973 cc, which means it is a medium-powered classic car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower car insurance rates for your historic or collector's vehicle, be sure you buy one that isn't a high performer. There are some factors to consider when insuring a classic car. Cost of sourcing parts for your model of 1975 Lotus Esprit as well as the cost of repairs. You can also adjust your coverage levels if you would like to lower your premium and monthly payments. If you’re looking for antique car insurance coverage, you might need to find trusted and experienced insurance agent in your area who will assure you car insurance tailored to your specific needs.

Compare 1975 Lotus Esprit car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Lotus, Esprit 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 Lotus (made in 1975) 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 Lotus Esprit 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 1975 Lotus Esprit in 2023? As you can see below, the lowest rates are around $789.2, while the highest ones fluctuate around $1657.32 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	$840
American Family	$821
Erie	$820
Progressive	$966
State Farm	$1,064
Auto Owners	$945
State Auto	$1,121
Nationwide	$1,090
Farmers	$951
Allstate	$1,349
Safe Auto	$1,428
MetLife	$1,523
Victoria	$1,616
Allied	$1,140
Liberty Mutual	$1,360
Encompass	$1,693
* Just a rough estimate for 1975 Lotus Esprit, S1

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Esprit, make Lotus) 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 Lotus, Esprit 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 1975 Esprit 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 1975 Lotus Esprit auto insurance rates by state!

How to calculate premium for Lotus Esprit (1975) 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 1975 Esprit (S1) 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	$592	$829
2	Ohio	$600	$844
3	Idaho	$616	$868
4	Virginia	$639	$908
5	Iowa	$663	$939
6	New Hampshire	$694	$955
7	Wisconsin	$702	$979
8	North Dakota	$718	$1,034
9	Indiana	$734	$1,089
10	North Carolina	$750	$1,129
11	Pennsylvania	$758	$1,192
12	Utah	$773	$1,207
13	Maine	$781	$1,231
14	Massachusetts	$797	$1,255
15	Alaska	$805	$1,271
16	Tennessee	$813	$1,302
17	South Dakota	$821	$1,373
18	Nebraska	$829	$1,413
19	Minnesota	$837	$1,436
20	Illinois	$837	$1,460
21	Hawaii	$844	$1,492
22	Alabama	$852	$1,515
23	Oregon	$860	$1,539
24	Missouri	$868	$1,594
25	Washington	$908	$1,649
26	South Carolina	$915	$1,689
27	Kansas	$939	$1,720
28	New Mexico	$955	$1,760
29	Arizona	$979	$1,776
30	New York	$994	$1,784
31	National average	$1,026	$1,807
32	New Jersey	$1,042	$1,863
33	West Virginia	$1,073	$1,878
34	Mississippi	$1,097	$1,902
35	Maryland	$1,121	$1,926
36	Montana	$1,152	$1,965
37	Nevada	$1,176	$1,981
38	Arkansas	$1,192	$2,012
39	Kentucky	$1,200	$2,044
40	Oklahoma	$1,239	$2,068
41	Wyoming	$1,263	$2,083
42	Colorado	$1,294	$2,123
43	Texas	$1,318	$2,139
44	Delaware	$1,350	$2,170
45	Georgia	$1,381	$2,178
46	California	$1,413	$2,202
47	DC	$1,436	$2,218
48	Connecticut	$1,468	$2,241
49	Rhode Island	$1,484	$2,249
50	Florida	$1,507	$2,297
51	Louisiana	$1,539	$2,328
52	Michigan	$1,571	$2,368
* Compare 1975 Lotus Esprit 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 1975 Lotus Esprit (Manual transmission, basic 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 Lotus Esprit annual insurance cost for a 16 year old is approximately $1815.16, while the cost of the same coverage for seniors aged 70 - 74 is $836.552. 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 (Lotus, Esprit have 1973 cc, engine power 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	$1,736
20 - 24	$1,689
25 - 29	$1,421
30 - 34	$1,223
35 – 39	$987
40 – 44	$1,026
45 – 49	$939
50 – 54	$821
55 – 59	$1,010
60 – 64	$844
65 – 69	$884
70 – 74	$797
75 and more	$821
* Rough estimate for teens, adults and seniors who are driving Lotus Esprit (1975)

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 $671 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 Lotus, Esprit good for senior drivers? If you have questions or issues relevant to Lotus Esprit or another vehicle, please ask in the discussion.

You know you need to insure your 1975 Rear Lotus, Esprit, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Lotus Esprit: Exterior Specs, Features & Options

The engine of Lotus, Esprit (4 cyl) is mated to a Manual transmission, that in this case, sends power to the Rear. Esprit Coupe, 1973 CC (liter), engine power ps (98.6% of a brake horsepower) is matched to an S1 for 1975. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Lotus, Esprit has horsepower of engine power ps & 1973 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 S1 has an engine torque of parameter not set nm & basic rpm. The power and maximum speed of the Lotus Esprit vehicle (sorry, we do not know how fast will Lotus, Esprit accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Lotus, Esprit Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (960 kg is the weight of this model), its engine torque and the engine rotation speed.