Cheap 1996 Lexus SC 400 Car Insurance Quotes

Looking for better insurance rates for your Lexus SC 400? Expensive insurance can sap your family’s budget, especially in this economy. Doing a rate analysis is free, only takes a few minutes, and is a good way to make ends meet.

Because there are so many companies and agents to choose from, it’s nearly impossible to find the lowest cost insurer.

It’s important to compare premium rates once or twice a year since rates change quite often. Just because you had the best rate for SC 400 insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because it’s time to teach you the best methods to remove unneeded coverages and save money.

Choosing the best insurance company for you is quite easy. Essentially every vehicle owner who shops for insurance most likely will be able to reduce their rates. But drivers must learn the way insurance companies determine prices and use this information to your advantage.

Ways to get insurance coverage price quotes

Comparing insurance coverage rates can be challenging if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get pricing more quickly.

Many popular insurance companies participate in an industry program that allows shoppers to submit one quote, and each participating company then gives them pricing determined by their information. This prevents consumers from doing quote requests for each company you want a rate for.

To find out what other companies charge click to open in new window.

One minor caviat to using this type of system is that consumers can’t choose which providers you will receive quotes from. If you would rather choose individual companies to compare prices, we have a listing of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever way you choose to compare rates, do your best to use the exact same information on every price quote you get. If you compare different coverage information it’s impossible to determine the lowest rate for your Lexus SC 400. Just slight variations in coverage limits may cause a big price difference. Keep in mind that having more price comparisons will enable you to find lower pricing. Some companies don’t provide online rate quotes, so it’s important to also get price estimates on coverage from those companies, too.

Do you qualify for discounts?

Some insurers don’t necessarily list all possible discounts in an easy-to-find place, so we took the time to find some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

  • Accident Waiver – Not a discount per se, but companies like State Farm and Allstate will forgive one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
  • Distant Student – Any of your kids who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
  • Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for SC 400 insurance than their less cautious counterparts.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and therefore earn up to a 10% discount.
  • Switch and Save Discount – A few insurance companies allow discounts for signing up early. You can save around 10% with this discount.

Remember that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, nobody gets a free ride. Any qualifying discounts should help lower your overall premium however.

If you would like to see a list of auto insurance companies that offer many of these discounts, follow this link.

Don’t assume everyone needs the same car insurance coverage

When choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance should reflect that For example, these questions might help in determining whether you would benefit from professional advice.

  • Do I need motorclub coverage?
  • Should I buy full coverage?
  • Do I need an umbrella policy?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need higher collision deductibles?
  • Do I need added coverage for expensive stereo equipment?
  • Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Eight factors that determine insurance premiums

Multiple criteria are used in the calculation when quoting car insurance. Some are pretty understandable like your driving record, but others are more transparent like your continuous coverage or how safe your car is.A large part of saving on insurance coverage is knowing some of the elements that help determine your premiums. If you have a feel for what influences your rates, this enables you to make decisions that could help you find better insurance coverage rates.

Listed below are just a few of the factors companies use to determine rates.

  • Where you call home is a factor – Living in a rural area has it’s advantages when trying to find low car insurance rates. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates. People who live in big cities have much more traffic and longer commute times. The longer drive time means more chances of being involved in an auto accident.
  • Lower stress equals lower premiums – Did you know your job can affect your rates? Jobs such as fire fighterspolice officers and financial analysts tend to have higher premium rates due to intense work requirements and lengthy work days. On the flip side, occupations like professors, athletes and retirees have the lowest average rates for SC 400 insurance.
  • File claims and pay more – If you frequently file small claims, don’t be surprised to see higher rates. Companies generally give lower rates to insureds who only file infrequent claims. Your insurance policy is designed for the large, substantial claims.
  • A insurance coverage policy lapse can increase prices – Driving with no insurance is illegal and as a result your rates will increase for letting your coverage lapse. In addition to paying higher premiums, the inability to provide proof of insurance could earn you fines and jail time. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Save money by having high credit – Credit score is a large factor in your rate calculation. Drivers with excellent credit scores tend to be more responsible and file fewer claims than drivers who have lower ratings. Therefore, if your credit is not that good, you could be paying less to insure your 1996 Lexus SC 400 by improving your rating.
  • Do you need those add-on coverages? – Insurance companies have many extra add-on coverages that you can get tricked into buying if you don’t pay attention. Insurance for things like rental car reimbursement, better glass coverage, and Farm Bureau memberships are some examples. They may seem good when buying your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • Do men or women drive better? – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that women are better drivers. Females and males get in at-fault accidents in similar numbers, but the males have accidents that have higher claims. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
  • Being married equates to better premiums – Having a wife or husband helps lower the price when buying insurance coverage. Having a significant other usually means you are more mature and responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Slick advertising tricks that work

Big name companies like Geico, State Farm and Progressive regularly use ads on television and other media. All the ads make an identical promise that you can save just by switching to them. How do they all give you a better price? It’s all in the wording.

Insurance providers quote their cheapest rates for the type of driver that will add to their bottom line. For example, a profitable customer might have to be over age 30, is a homeowner, and does not commute to work. A customer getting a price quote that meets those criteria receives the best rates as well as save if they switch.

Consumers who don’t meet those standards must pay more expensive rates which translates to business going elsewhere. The ad wording is “people that switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can make those claims. Because each company has a different risk profile, you absolutely need to do a price quote comparison at every renewal. It’s just too difficult to predict the company that will have the best prices at this point in time.

Insurance coverage basics

Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Liability coverages – This coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair costs for stationary objects, pain and suffering, structural damage, court costs and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like ambulance fees, EMT expenses, nursing services, funeral costs and hospital visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays for damage to your SC 400 caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole, crashing into a ditch, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a bird, damage from getting keyed, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Lexus SC 400.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Pennies from heaven

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured cut collision coverage and learned later that the savings was not a smart move. Your focus should be to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

Cheap 1996 Lexus SC 400 insurance is possible both online and from local insurance agents, so you need to shop insurance coverage with both to have the best chance of lowering rates. Some insurance companies may not offer online price quotes and these smaller providers prefer to sell through independent insurance agencies.

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Comments About 1996 Lexus SC 400 Insurance

  1. Charise Lambert

    All companies are crooks. I’m in the east part of Baltimore, MD. I quoted with GEICO, Auto-Owners, and some I forget for my 1996 Lexus SC 400 and I’m now saving $16 a month.

  2. Vena Gutierrez

    Any 21st Century or Esurance customers near San Diego, California?

  3. Gertude Velazquez

    Great site. Live in the western part of Madison, WI. Got car insurance quotes from State Farm, AAA, and some I forget for my 1996 Lexus SC 400 and I think I saved about $20 each month. Teenage drivers are expensive! I just carry liability insurance.

  4. Peggie Nichols

    Cheap is relative. From Salem, OR. Compared rates from a lot of places. Saved right around $10 a month. 21st Century was the most affordable for me. I have a teen driver too. Get lots of quotes to find the best rate.

  5. Steven Oliver

    It all costs too much. I’m in the west part of Rockford, IL. I got free quotes with 21st Century, Auto-Owners, Erie, and The General for my Lexus and I think I cut my rates about $30 each month. Insured with AAA before. Moved home policy as well.

  6. Yi Rivers

    Cheap car insurance? What’s that? I’m in the north part of Newark, DE. Quoted with American Family, Nationwide, and some smaller one I can’t remember the name of for my Lexus and I’m now saving $21 a month. Moved home policy as well. Just liability coverage since it’s getting old.

  7. Lavina Fulton

    I’m in the east part of Fairbanks, AK. Checked online prices for a 1996 Lexus SC 400. Ended up at about $100 savings annually. Went with State Farm. Have a couple speeding tickets too. I used their online quote form to compare rates. I think I’ll get rid of full coverage next time.

  8. Ollie Wise

    Will Progressive cancel me if I have an accident?

  9. Jayna Waller

    This is too expensive. I live in Green Bay, WI. Can’t remember who all I quoted but I ended up saving about $30 each month. I think they have home insurance too. You can get a rate quote online. Next renewal I’ll just do liability.

  10. Luvenia Rasmussen

    I got a good deal I think. From Lewiston, ME. Compared rates from a lot of places. Saved right around $30 a month. State Farm was the most affordable for me. I think they have home insurance too. I think I’ll get rid of full coverage next time.

  11. Heike Harvey

    I live just to the east of Rochester, MN. Quoted with Western Auto Insurance, Amica, Hartford, and Nationwide for my 1996 Lexus SC 400 and saved $94 a year. I think they have home insurance too. I think I’ll get rid of full coverage next time.

  12. Sean Branch

    Does Rhode Island require a SR-22 after a DUI?

  13. Candy Cannon

    Good site, thanks. From Hilo, Hawaii. I got free quotes with Auto-Owners, Safeco, and a few others for my Lexus and saved $83 a year. Left AIG Insurance to switch.

  14. Weston Dalton

    Where is cheaper car insurance? From west side of Jacksonville, Florida. Got free quotes online for a 1996 Lexus SC 400. Ended up at about $100 savings annually. Went with GEICO. Insured with Hanover before. I’m a pretty good driver though.