Compare 1996 Lexus SC 300 Insurance Quotes

Have you finally had enough of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as the majority of other consumers. Because there are so many online and local companies to choose from, it can be challenging to locate the most cost effective insurance company.

Take advantage of every auto insurance discount

Companies offering auto insurance don’t always list the entire discount list in a way that’s easy to find, so we researched some of the best known and the harder-to-find credits available to lower your premiums when you buy insurance coverage online. If they aren’t giving you every credit you deserve, you are paying more than you should be.

• Active Military Service – Being on active duty in the military can result in better auto insurance rates.
• Online Discount – A few companies give back up to $50 for buying a policy and signing up on the web.
• One Accident Forgiven – This isn’t a discount exactly, but some insurance companies will let one accident slide before hitting you with a surcharge so long as you are claim-free prior to the accident.
• Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less for SC 300 coverage than less cautious drivers.
• Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.

As is typical with insurance, most discounts do not apply the the whole policy. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky.

Auto insurance companies who might offer some of the above discounts possibly include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Before buying, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area.

Why informed consumers pay less for Lexus SC 300 insurance

Many factors are considered when pricing auto insurance. Some are obvious such as traffic violations, but other criteria are not quite as obvious like your continuous coverage or your vehicle rating.

Shown below are some of the things used by your company to calculate rates.

• Improve your credit history – Having a bad credit score can be a huge factor in your rate calculation. Consumers who have good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit scores. If your credit score can be improved, you could be paying less to insure your 1996 Lexus SC 300 if you clean up your credit.
• Deter theft and pay less – Buying a car that has an advanced theft prevention system can help lower your premiums. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft and help lower rates.
• Extra coverages that aren’t used – There are a ton of extra bells and whistles that may not really be needed on your insurance coverage policy. Insurance for things like rental car reimbursement, towing coverage, and extra life insurance coverage are probably not needed. These coverages may sound good initially, but if you don’t need them eliminate the coverages to reduce your premium.
• Poor driving habits leads to higher prices – Your driving citation history can have a huge impact on auto insurance premiums. Even one citation may cause rates to rise forty percent or more. Attentive drivers get better rates than their less careful counterparts. Drivers unfortunate enough to have license-revoking violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to maintain a SR-22 to the state department of motor vehicles in order to legally drive.
• Age of drivers impacts rates – Older insureds have been proven to be more responsible, cause fewer claims and accidents , and are generally more financially stable.Drivers with little experience are proven to be less responsible when behind the wheel so they pay higher insurance coverage rates.
• Fewer miles means better premiums – The more you drive your Lexus in a year’s time the more you will pay for insurance coverage. The majority of insurers calculate rates based on their usage. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your SC 300 can result in significantly higher rates. It’s a good idea to make sure your declarations sheet is showing the correct driver usage, because it can save money.
• Liability coverage safeguards assets – A critical coverage on your policy, liability insurance provides coverage in the event that a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
• Do safer cars cost less to insure? – Vehicles with good safety scores can get you lower premiums. Highly rated vehicles reduce the chance of injuries and lower injury rates means your insurance company pays less which can mean better rates for you. If your Lexus SC 300 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

How to know if you need help

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Will filing a claim cost me more?
• Is extra glass coverage worth it?
• Can I rate high risk drivers on liability-only vehicles?
• Why am I required to buy high-risk coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered if I crash into my own garage door?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage options for a 1996 Lexus SC 300

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from car insurance companies.

Collision protection

Collision coverage covers damage to your SC 300 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, crashing into a ditch, driving through your garage door, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for chiropractic care, pain medications and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as 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

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Lexus SC 300.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability

This will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, bail bonds, pain and suffering, funeral expenses and court costs. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from getting keyed, vandalism and hitting a deer. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

What is YOUR best insurance company?

Throughout this article, we presented a lot of ways to shop for 1996 Lexus SC 300 insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding low cost insurance coverage. Drivers may discover the lowest car insurance rates come from a smaller regional carrier. These smaller insurers may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. In many instances, an insured dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the best possible price while not skimping on critical coverages.

Much more information about insurance coverage is located below:

• Five Mistakes to Avoid (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Auto Insurance Learning Center (State Farm)