Cheap 1996 Lexus LS 400 Insurance Quotes

Trying to find lower insurance rates for your Lexus LS 400? Pretty sure you bought an expensive insurance policy? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their insurance policy.

Insurance companies such as Geico, Farmers Insurance and State Farm all promote huge savings with TV and radio ads and it is difficult to separate fact from fiction and take the time to shop coverage around.

It’s a good habit to check insurance prices once or twice a year since insurance prices are constantly changing. Despite the fact that you may have had the lowest price on LS 400 insurance at your last renewal a different company probably has better rate quotes today. There are lots of tips to save on insurance online, but in just a couple of minutes you can learn some tested techniques to lower your insurance premiums.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these tips. Finding affordable coverage is not rocket science. Although drivers can benefit by having an understanding of the methods companies use to sell online and use this information to your advantage.

Cheap insurance coverage rates with discounts

Some insurance providers don’t list the complete list of policy discounts very clearly, so we researched some of the more common as well as some of the hidden discounts you could be receiving when you buy insurance online. If you do not double check each discount available, you could be saving more on your insurance coverage.

  • Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote insurance on LS 400 insurance with certain companies.
  • Multi-line Discount – Larger insurance companies have a discount if you purchase some life insurance too.
  • Safety Course Discount – Taking a class that teaches defensive driver techniques is a good idea and can lower rates if your company offers it.
  • Distant College Student Discount – College-age children living away from home attending college and leave their car at home could qualify for this discount.
  • Low Mileage Discounts – Low annual miles could be rewarded with cheaper prices.
  • Switch and Save Discount – A few insurance companies offer discounts for renewing your policy prior to your current policy expiring. You could save around 10% when you buy insurance online.
  • Paperwork-free – A handful of larger companies give back up to $50 for signing up digitally online.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts up to 30%.

We need to note that most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

Larger insurance coverage companies and their offered discounts include:

  • State Farm includes discounts for Steer Clear safe driver discount, passive restraint, driver’s education, student away at school, and anti-theft.
  • Geico may have discounts that include good student, federal employee, anti-lock brakes, driver training, air bags, membership and employees, and multi-policy.
  • SAFECO may include discounts for multi-car, anti-theft, bundle discounts, safe driver, drive less, teen safety rewards, and anti-lock brakes.
  • Farmers Insurance offers discounts for distant student, good student, bundle discounts, business and professional, and early shopping.
  • AAA policyholders can earn discounts including multi-policy, good student, education and occupation, AAA membership discount, and pay-in-full.
  • USAA has discounts for new vehicle, defensive driver, loyalty savings, good student, safe driver, family discount, and multi-policy.

If you need lower rates, check with each insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply in your area. To see insurers with significant discounts, click this link.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For instance, these questions might point out whether or not you might need an agent’s assistance.

  • Do I have any recourse if my insurance company denies a claim?
  • Should I bundle my homeowners policy with my auto?
  • What are the financial responsibility laws in my state?
  • What if I owe more than I can insure my car for?
  • How high should my uninsured/underinsured coverage be in my state?
  • Where can I find DUI or SR-22 insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need motorclub coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

This provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like funeral expenses, bail bonds, medical services, emergency aid and court costs. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like funeral costs, hospital visits, X-ray expenses, rehabilitation expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

One last thing

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

Some insurance companies may not provide the ability to get a quote online regional carriers prefer to sell through independent agencies. Budget-friendly insurance can be purchased on the web and also from your neighborhood agents, so you need to compare both in order to have the best price selection to choose from.

Additional information is located below:

Comments About 1996 Lexus LS 400 Insurance

  1. Deann Ashley

    I switched to 21st Century. Quoted good rates in Gaithersburg, Maryland. Not sure if rates are cheaper online or not. My Lexus doesn’t have full coverage.

  2. Mao Maynard

    Here’s my quote info. I’m just north of Tucson, AZ. I quoted with Hanover, AIG Insurance, Safeco, and a couple others for my 1996 Lexus LS 400 and I think I saved about $30 each month. Insured with State Farm before. BTW speeding tickets are not good.

  3. Sonny Aguirre

    Will 21st Century raise rates after an accident?

  4. Dion Miranda

    Thought I’d throw in my experience. I’m in the south part of Newark, NJ. Quoted with Amica, MetLife, and a few others for my 1996 Lexus LS 400 and saved just over $100 a year. Just go online and compare their rates. Just liability coverage since it’s getting old.

  5. Laurinda Payne

    If you’re from Norfolk, Virginia get quotes from State Farm and Progressive and you might save.

  6. Eleanore Rojas

    Cheap car insurance? What’s that? I live north of Cranston, RI. Not sure of all the companies but I ended up saving about $20 each month. I get a discount for insuring multiple vehicles. I got prices on the web. Next renewal I’ll just do liability.

  7. Marlin Mathis

    Will Progressive cancel me if I have an accident?

  8. Tracee Burch

    Is GEICO or State Farm cheaper in Reno, Nevada?

  9. Shawn Maynard

    Does Oklahoma require a SR-22 after a DUI?

  10. Alena Wolfe

    I’m in North Charleston, SC, and GEICO rates were affordable. Left USAA to switch. I have several vehicles insured with them. Not sure if rates are cheaper online or not.

  11. Desirae Fletcher

    Cheaper car insurance is a myth. From San Diego, CA. Got rates from 21st Century, Farmers, and Hanover for my Lexus and saved just over $110 a year. Left Allstate to switch. LOL I dropped full coverage awhile back.