Cheap 2016 Lexus GS 350 Car Insurance Quotes

Drivers have a choice when trying to find affordable Lexus GS 350 insurance. You can either waste hours driving around getting price quotes or use the internet to find the lowest rates.

There are more efficient ways to compare insurance rates and you need to know the absolute fastest way to quote coverages for your Lexus and find the cheapest rates from both online companies and local agents.

You need to take a look at other company’s rates once or twice a year because insurance prices are constantly changing. Even if you got the lowest rate for GS 350 insurance two years ago other companies may now be cheaper. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the only way to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this article is to familiarize you with how car insurance quotes work and some tricks to saving. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Drivers only need an understanding of the tricks to get comparison quotes on the web.

Cheapest auto insurance quotes

Finding cheap 2016 Lexus GS 350 auto insurance prices is a fairly straight forward process. The only requirement is to take the time to get quotes to discover which company has inexpensive auto insurance quotes. Price comparisons can be done by following the guidelines below.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do repetitive form entry to each individual auto insurance company. One form submission compares rates from multiple companies. Recommended for those who want to invest the least amount of time.

A harder way to obtain and compare quotes online requires you to visit each company’s website to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare Farmers, Safeco and State Farm. To find out each rate you need to visit each site and repeatedly type in your coverage information, and that explains why we recommend the first method. For a list of companies in your area, click here.

The approach you take is up to you, just make darn sure you compare nearly identical coverage information for each quote you get. If you have mixed coverages you will not be able to make a fair comparison for your Lexus GS 350.

Drivers who switch save $475 a year? Really?

Consumers can’t escape the ads that claim the lowest prices from the likes of Allstate, GEICO and Progressive. All the companies make the same claim about saving some big amount if you change to them.

How is it plausible that every one can give you a lower rate? It’s all in how they say it.

All companies have specific characteristics for the driver that is profitable for them. For example, this type of driver could possibly be between the ages of 30 and 50, has a clear driving record, and drives a car with an anti-theft system. Anyone that hits that “sweet spot” will get low car insurance rates and will save when switching.

Insureds who don’t meet the “perfect” profile will get higher rates with the end result being the customer not purchasing. The ads say “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That is how insurance companies can confidently state the savings.

Because of the profiling, it’s extremely important to compare quotes as often as possible. You cannot predict which insurance companies will give you the biggest savings.

Save a ton with these discounts

Buying insurance is not cheap, but you may qualify for discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be specially asked for before you will receive the discount.

  • Drive Safe and Save – Drivers without accidents can pay as much as 50% less for GS 350 insurance than drivers with accidents.
  • Policy Bundle Discount – When you have multiple policies and insure them with the same company you could earn a discount of 10% to 20% off each policy.
  • Clubs and Organizations – Being in certain professional organizations may earn a discount on your next insurance statement.
  • Discounts for Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote auto insurance for GS 350 insurance but check with your company.
  • Home Ownership Discount – Just being a homeowner can save you money since owning and maintaining a home means you have a higher level of financial diligence.

Policy discounts save money, but most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.

If you would like to choose from a list of providers who offer online insurance quotes, click here.

Insurance can be complex

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

For example, these questions might point out if your insurance needs might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is business equipment covered while in my vehicle?
  • How much liability coverage do I need in my state?
  • Are split liability limits better than a combined single limit?
  • When should I drop full coverage on my 2016 Lexus GS 350?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I sign the liability waiver when renting a car?
  • Can I still get insurance after a DUI?
  • Is my 2016 Lexus GS 350 covered for flood damage?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Car insurance coverages 101

Having a good grasp of car insurance helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring.

Liability – This coverage protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims like structural damage, attorney fees, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision coverage covers damage to your GS 350 from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, rolling your car, crashing into a building, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for immediate expenses like X-ray expenses, funeral costs, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2016 Lexus GS 350.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, damage from flooding and rock chips in glass. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

And the best car insurance company is…

When you buy auto insurance online, don’t be tempted to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

Drivers switch companies for many reasons like being labeled a high risk driver, high prices, poor customer service or delays in paying claims. Regardless of your reason, switching insurance coverage companies is not as hard as you think.

In this article, we covered many tips how you can compare 2016 Lexus GS 350 insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding the cheapest auto insurance. Drivers may discover the biggest savings come from some of the smallest insurance companies.

More tips and info about insurance coverage can be read by following these links: