2013 Lexus LS 460 Insurance Cost – 9 Ways to Save

Comparison shopping for low cost auto insurance can be frustrating for drivers new to buying insurance online. Drivers have so many choices that it can quickly become a burden to locate the lowest price.

It’s a great practice to check auto insurance prices occasionally since prices change quite often. Just because you had the lowest rate on LS 460 coverage last year you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use online quotes to get good coverage at a lower rate.

Shopping for the cheapest coverage can be fairly easy. Basically, everyone who shops for insurance coverage most likely will be able to cut their insurance bill. But consumers do need to know how big insurance companies sell online because it can help you find the best coverage.

How much does auto insurance cost?

To find low cost quotes, there are a couple of ways to compare quotes from different companies. The best way to find the lowest Lexus LS 460 rates consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

  • The easiest and least time consuming way consumers can analyze rates is a comparison rater form click here to open form in new window. This style of form saves time by eliminating boring form submissions for every prospective company. A single, simple form gets insurance cost estimates from auto insurance companies with the best prices. This is by far the quickest method.
  • A more time consuming way to analyze rates consists of visiting the website of each company to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare rates from Liberty Mutual, Esurance and Travelers. To get rate quotes you would need to spend time on each company’s site and repeatedly type in your coverage information, and that explains why we recommend the first method. To view a list of companies in your area, click here.
  • The least efficient and most time consuming way to do your price quoting is to spend your day driving to and from local insurance agencies. The ability to quote online has made agencies unnecessary unless you require the extra assistance that you can only get from talking to an agent. You can, however, get prices online but buy the policy through an agent.

Whichever way you choose to compare rates, do your best to use nearly identical information with every price quote. If your comparisons have differing limits it will be next to impossible to determine which company has the best rates. Slightly different insurance coverages could skew the results. And when comparison shopping, making a lot of price comparisons will increase your chances of finding more affordable insurance.

Save money by taking advantage of these nine discounts

Car insurance is neither fun to buy or cheap, but you can get discounts that can help lower your rates. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Memberships – Having an affiliation with qualifying clubs or civic groups could trigger savings on your next renewal.
  • Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 25 to 30%.
  • Discounts for New Vehicles – Buying a new car model can save up to 30% because newer models have to meet stringent safety requirements.
  • Home Ownership Discount – Being a homeowner can earn you a little savings since home ownership requires personal responsibility.
  • ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a insurance coverage quote.
  • Cautious Driver Discount – Drivers who avoid accidents could pay up to 40% less on LS 460 coverage than less cautious drivers.
  • Telematics Devices – Insureds who allow companies to look at vehicle usage through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they exhibit good driving behavior.
  • Switch and Save Discount – A few car insurance companies allow discounts for switching to them prior to your current policy expiration. This discount can save up to 10%.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. So when it seems like you could get a free car insurance policy, companies don’t profit that way. But any discount should help reduce your policy premium.

A few popular companies and their offered discounts can be found below.

  • State Farm policyholders can earn discounts including Drive Safe & Save, safe vehicle, anti-theft, good driver, driver’s education, accident-free, and Steer Clear safe driver discount.
  • Farmers Insurance discounts include bundle discounts, youthful driver, pay in full, switch companies, and distant student.
  • Progressive includes discounts for multi-vehicle, continuous coverage, good student, online quote discount, and multi-policy.
  • Geico may have discounts that include anti-lock brakes, membership and employees, good student, five-year accident-free, anti-theft, defensive driver, and daytime running lights.
  • Auto-Owners Insurance offers discounts including student away at school, paperless, safe vehicle, group or association, mature driver, paid in full, and air bags.
  • The Hartford has discounts for vehicle fuel type, air bag, anti-theft, driver training, bundle, defensive driver, and good student.
  • Farm Bureau may offer discounts for multi-vehicle, youthful driver, renewal discount, 55 and retired, safe driver, and multi-policy.
  • USAA offers discounts for annual mileage, family discount, defensive driver, driver training, multi-vehicle, safe driver, and vehicle storage.

When quoting, ask every insurance company to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies in your state. To find providers with the best car insurance discounts, click here.

How much auto insurance do I need?

When choosing the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

  • Should I get collision insurance on every vehicle?
  • When would I need additional glass coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I rent a car in Mexico?
  • Do I need added coverage for expensive stereo equipment?
  • Is my babysitter covered when using my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Does my liability insurance cover pulling a trailer or camper?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage – Collision coverage will pay to fix damage to your LS 460 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, colliding with a tree, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like chiropractic care, nursing services, EMT expenses, ambulance fees and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers 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 important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, damage from a tornado or hurricane and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability coverage provides protection from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, court costs, funeral expenses, emergency aid and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Find Good Coverage for Less

We just presented some good ideas how to shop for 2013 Lexus LS 460 insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding cheap insurance coverage. Consumers could even find that the lowest priced insurance comes from the smaller companies.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are too many instances where an insured dropped physical damage coverage only to regret that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the best cost, not the least amount of coverage.

People switch companies for any number of reasons including extreme rates for teen drivers, high prices, unfair underwriting practices or questionable increases in premium. No matter why you want to switch, finding a new insurance company is pretty simple and you could end up saving a buck or two.

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Comments About 2013 Lexus LS 460 Insurance

  1. Lashawna Harrison

    If you don’t have tickets and live around New Haven, Connecticut, check out 21st Century. I saved quite a bit. Good multi-policy discounts.

  2. Dominica Bright

    I compared a lot of rate quotes for a 2013 Lexus LS 460 in Springfield, MA. Ended up at about $410 every six months with American Family. Thankfully I have a good driving record. I used their website to get prices.

  3. Annice Mcintosh

    Does State Farm insure after a DUI?

  4. Mathilde Pratt

    IT’S ALL TOO EXPENSIVE! Live in the southern part of Newark, NJ. Quoted prices from Progressive, Hanover, and Farmers for my LS 460 and saved $566 a year. They offer free online rate quotes.

  5. Julia Osborne

    It’s all a rip off. Live in Aurora, Illinois. Quoted with American Family, Sentry, and a few others for my LS 460 and saved $556 a year.

  6. Vina Gaines

    Will GEICO cancel my policy for a liability claim?

  7. Mervin Alston

    Enjoyed the article. Quoted with Sentry for my LS 460 and cut my rates about $360 a year. I used their online quote form to compare rates.

  8. Tamesha Hendrix

    I live in a small town just outside of Burlington, Vermont. I got free prices from The General, AAA, Mercury, and a couple others for my LS 460 and I think I saved about $60 each month.

  9. Rigoberto Bryan

    If you don’t have tickets and live near Des Moines, IA, check out Allstate. They seem to be cheaper. Ask about discounts. It’s still not cheap enough.

  10. Eric Burns

    Live in Dallas, TX. Received prices from AAA, Esurance, and Sentry for my Lexus and I think I saved about $50 each month. Left American Family to switch. Hopefully won’t need it. I used their website to get prices.

  11. Lin Anthony

    I live on the west side of Cranston, Rhode Island. Compared quite a few companies. Saved roughly $50 a month. Progressive was the cheapest option for me. Switched homeowners coverage too. They were helpful in switching over.

  12. Deloris Koch

    Cheap car insurance? What’s that? I live just outside Dover, DE. Quoted quotes with State Farm, Hartford, and Esurance for my Lexus and I’m now saving $38 a month. Insured with MetLife before. I think they have home insurance too. They have free quotes online.

  13. Morgan Reed

    I live just outside Rutland, VT. Not sure of all the companies but I ended up saving about $60 each month. It never hurts to quote around.

  14. Tuan Underwood

    I’m looking for cheaper coverage. Found cheapest coverage with Eastwood for my LS 460 and cut my rates about $220 a year. Hardly afford to drive anymore.

  15. Jesica Stone

    Nice info. I’m in the west part of Sioux Falls, SD. Quoted with 21st Century, Eastwood, and The General for my Lexus and I’m now saving $45 a month. Insured with Eastwood before. I’m a pretty low risk driver. Are quotes cheaper online?

  16. Julia Spencer

    Anyone buy from American Family? I’m in Birmingham, AL.

  17. Owen Hoffman

    I’ve bought from State Farm forever. Cheapest rates in Rochester, NY.

  18. Ronny Terrell

    I can’t pay high rates. From Columbia, SC. Got free quotes online for a 2013 Lexus LS 460. Ended up at about $530 savings annually. Went with GEICO. BTW speeding tickets are not good. It was easy to get rates.