2017 Lexus GS 350 Car Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say many consumers feel financially strained by their car insurance policy. Due to the abundance of options, it’s difficult to locate the most cost effective car insurance provider.

It’s important to take a look at other company’s rates before your next renewal since insurance rates change regularly. Just because you had the best rate for GS 350 coverage two years ago a different company probably has better prices today. Forget anything you know (or think you know) about car insurance because you’re going to learn how to use the internet to save money, get proper coverage and the best rates.

These discounts can reduce insurance coverage rates

Not too many consumers would say insurance coverage is affordable, but there’s a good chance there are discounts that may help make it more affordable. Many discounts should be triggered at the time you complete a quote, but a few need to be inquired about before you will receive the discount. If you do not check that you are getting every discount available, you’re just leaving money on the table.

  • ABS Brakes – Cars and trucks with ABS and/or traction control prevent accidents and will save you 10% or more.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Senior Citizens – Older drivers may qualify for a discount up to 10% for GS 350 coverage.
  • Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you could save 10% to 20% off each policy.
  • No Charge for an Accident – This isn’t a discount exactly, but some companies like Allstate, Progressive, and GEICO will turn a blind eye to one accident without raising rates if your claims history is clear for a specific time period.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save a little off the personal injury premium cost.
  • Professional Memberships – Being in a qualifying organization could earn you a nice discount on your bill.
  • Telematics Discount – Insureds who allow data collection to scrutinize vehicle usage by using a telematic data system such as Progressive’s Snapshot could save a few bucks if they have good driving habits.
  • Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
  • No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote when compared to drivers who are more careless.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though you would think you could get a free insurance coverage policy, you won’t be that lucky.

Auto insurance companies that may offer policyholders most of the discounts above include:

Before buying, ask each company or agent to give you their best rates. Some discounts listed above may not apply to policyholders in your area. For a list of insurance companies who offer free insurance coverage quotes, click here to view.

When do I need an agent’s advice?

When choosing the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Am I covered when driving on a suspended license?
  • Does my insurance cover my expensive audio equipment?
  • Do I need motorclub coverage?
  • Do I need special endorsements for business use of my vehicle?
  • How do I insure my teen driver?
  • What is the minimum liability in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • How does medical payments coverage work?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Is there truth in advertising?

Consumers constantly see and hear ads that promise big savings by companies like State Farm and Allstate. All the ads seem to make the promise that people will save just by switching your coverage.

How does each company make the same claim? It’s all in how they say it.

All the different companies have specific characteristics for the type of driver that will most likely be profitable. For example, this type of driver could possibly be over the age of 45, is a homeowner, and has excellent credit. A propective insured who meets those qualifications gets the lowest premium rates and as a result will probably save some money.

People who don’t qualify for the “perfect” profile may be forced to pay higher rates and this results in the customer not purchasing. The ads say “customers that switch” not “everyone who quotes” can save as much as they claim. That’s why companies can claim big savings. This illustrates why you absolutely need to compare price quotes frequently. Because without a comparison, you cannot know which insurance companies will have the lowest rates for your situation.

Auto insurance specifics

Having a good grasp of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages available from auto insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for nursing services, chiropractic care, surgery, pain medications and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like court costs, loss of income and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, hitting a deer, hitting a bird, damage from a tornado or hurricane and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

Collision insurance covers damage to your GS 350 resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, rolling your car, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Be a penny pincher

You just learned some good ideas how to save on 2017 Lexus GS 350 insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable insurance coverage. You may even discover the lowest car insurance rates come from an unexpected company. These smaller insurers can often provide lower premium rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

Some insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies provide coverage only through independent agents. Affordable 2017 Lexus GS 350 insurance can be purchased online and from local agencies, so compare prices from both to have the best chance of lowering rates.

Much more information about insurance can be read at these links: