Compare 1997 Lexus SC 300 Insurance Quotes

Searching for low-cost insurance for your Lexus SC 300 could be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the absolute fastest way to compare rates on a Lexus and find the cheapest rates.

Save money with these car insurance discounts

Car insurance can be pricey, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be specially asked for before you will receive the discount.

  • Low Miles Discount – Maintaining low annual mileage could qualify for lower premium rates due to less chance of an accident.
  • Passive Restraints – Cars that have air bags can get savings of more than 20%.
  • Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Multiple Cars – Drivers who insure multiple vehicles on a single policy can reduce rates for all insured vehicles.
  • Lower Rates for Military – Being deployed in the military can result in better car insurance rates.
  • Driver Education Discount – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky.

The best car insurance companies and some of the discounts are shown below.

  • Progressive offers premium reductions for continuous coverage, online signing, good student, multi-vehicle, and multi-policy.
  • AAA may include discounts for multi-policy, pay-in-full, good driver, good student, AAA membership discount, and multi-car.
  • Farmers Insurance has savings for bundle discounts, alternative fuel, pay in full, distant student, and mature driver.
  • GEICO offers discounts including anti-theft, membership and employees, good student, seat belt use, and air bags.
  • Esurance may have discounts that include online quote, safety device, anti-theft, good driver, Switch & Save, and Pac-12 alumni.
  • SAFECO discounts include anti-lock brakes, safe driver, teen safety rewards, bundle discounts, drive less, and anti-theft.
  • State Farm offers discounts for passive restraint, Drive Safe & Save, accident-free, anti-theft, driver’s education, and good student.

If you need cheap auto insurance quotes, ask each company or agent to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your area. To see a list of insurance companies who offer car insurance discounts, click here.

Which insurance is cheapest?

All major insurance companies such as State Farm, Allstate and GEICO allow you to get pricing directly from their websites. Getting online quotes is easy for anyone as you simply type in the coverages you want as detailed in the form. Once you submit the form, their system pulls credit information and your driving record and generates a price based on these and other factors.

Being able to quote online helps simplify price comparisons, but having to visit many different websites and type in the same data is repetitive and time-consuming. But it is imperative to perform this step if you want to get better prices.

Compare rates the easy way

An easier way to lower your insurance bill uses just one form to obtain quotes from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes rate comparisons a lot less work. After sending your information, your coverage is rated and you can select any of the pricing results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process just takes a couple of minutes and you will know how your current rates stack up.

To compare rates now, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter coverages and limits exactly as they are listed on your policy. This helps ensure you will receive rate comparison quotes using the same coverage and limits.

Why you might pay higher rates

Many factors are part of the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving history, but some are more obscure such as your credit history or your vehicle rating.

The itemized list below are some of the most common factors utilized by car insurance companies to help set prices.

  • Drive lots and pay more – Driving more miles annually the higher your rates will be. Most companies rate vehicles partially by how you use the vehicle. Cars that are left in the garage qualify for better rates than those used for commuting. It’s always a good idea to double check that your declarations sheet reflects how each vehicle is driven. Improper usage on your SC 300 is just wasting money.
  • Single drivers take more risk – Walking down the aisle may earn you lower rates on your policy. Having a spouse means you’re more stable financially and statistics show married drivers tend to file fewer claims.
  • More policies can equal more savings – Most major companies provide better rates to customers who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to help guarantee you have the best rates.
  • Small claims can cost you – Auto insurance companies award lower rates to insureds who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • How much liability coverage do you need? – Your policy’s liability coverage will afford coverage if ever you are found liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage starting from day one. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Do you need those extra coverages? – Insurance policies have a lot of extra coverages you can purchase if you don’t pay attention. Coverage for things like rental car reimbursement, towing coverage, and extra equipment coverage may be costing you every month. You may think they are a good idea when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.
  • Always keep your insurance in place – Not maintaining insurance can get you a ticket and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance might get you fines or a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Teenage drivers cost more – Beginning drivers are known to be careless and easily distracted when driving therefore insurance rates are much higher. Older drivers are viewed as being more responsible, cost insurance companies less in claims .

Car insurance can get complicated

When it comes to buying the best car insurance coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that can help discover whether you might need professional guidance.

  • Is my teenager covered with friends in the car?
  • Can I make deliveries for my home business?
  • Is upholstery damage covered by car insurance?
  • Where can I find DUI or SR-22 insurance?
  • Why am I required to buy high-risk coverage?
  • What is PIP insurance?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Does car insurance advertising bend the truth?

Consumers can’t get away from ads that promise big savings for switching by companies like State Farm, Allstate and GEICO. All the ads make the same claim of big savings if you get a free auto insurance quote and switch your policy.

It sounds good, but how can they all sell you cheaper insurance coverage? This is the way they can do it.

Many companies have a preferred profile for the type of driver that is profitable for them. For instance, this type of insured may be between 30 and 50, owns their home, and drives newer vehicles. A propective insured who meets those qualifications will get very good rates and as a result will probably save money with a new company.

Potential insureds who don’t qualify for the requirements must pay a higher premium which leads to business going elsewhere. Company advertisements say “drivers who switch” not “all people who quote” save that kind of money. That’s why insurance companies can lure you into getting a quote. Because each company has a different risk profile, you should compare free auto insurance quotes often. It’s just not possible to know the company that will have the best premium rates for your profile.

Specifics of your insurance policy

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage

Collision coverage pays for damage to your SC 300 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like prosthetic devices, chiropractic care, hospital visits and pain medications. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

This can cover damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as pain and suffering, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Get your money’s worth

More affordable insurance coverage is available online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not offer rates over the internet and many times these smaller companies only sell through local independent agencies.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, someone dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

People change insurance companies for any number of reasons including not issuing a premium refund, delays in responding to claim requests, unfair underwriting practices or extreme rates for teen drivers. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

More tips and info about insurance coverage can be found at these sites: