2018 Lexus GS 300 Car Insurance Quotes

Do you get frustrated by the sheer number of car insurance companies in your area? There are so many options that it can turn into a challenge to find the lowest price.

You should take the time to price shop coverage occasionally since prices are constantly changing. Just because you found the best deal on GS 300 insurance on your last policy there may be better deals available now. Block out anything you think you know about car insurance because you’re going to learn how to use online quotes to find lower rates on car insurance.

Lower rates by qualifying for discounts

Auto insurance is easily one of your largest bills, but you might already qualify for some discounts that can help lower your rates. Certain discounts will be applied at the time of quoting, but some discounts are required to be inquired about before you get the savings.

Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
Military Deployment Discount – Being on active duty in the military could trigger a small discount.
Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
Professional Memberships – Participating in a qualifying organization could trigger savings on your next renewal.
Distant College Student Discount – Youth drivers who live away from home at college and leave their car at home can receive lower rates.
Passive Restraints and Air Bags – Cars that have air bags could see savings of more than 20%.
Multiple Cars – Buying a policy with all your vehicles with one company can get a discount for every vehicle.
Anti-theft Discount – Cars and trucks with anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.

One thing to note about discounts is that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount will reduce your premiums.

Auto insurance companies that may have these money-saving discounts include:

Before purchasing a policy, check with every company which discounts they offer. Savings may not apply to policyholders in your area. To find insurers with the best auto insurance discounts, click here to view.

How to buy auto insurance online

To find the best auto insurance rates, there are several ways to compare rate quotes from lots of auto insurance companies. By far the easiest way to compare Lexus GS 300 insurance prices is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

The best way to find low rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate forms for every prospective company. In just a few minutes this one form gets you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
A different way to analyze rates consists of visiting each individual company website and complete a new quote form. For examples sake, we’ll pretend you want comparison quotes from USAA, 21st Century and Geico. In order to compare rates, you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a list of companies in your area, click here.

Whichever way you use, do your best to enter identical coverage data on every quote you get. If you compare unequal deductibles or liability limits it’s not possible to make a fair comparison for your Lexus GS 300. Slightly different coverages could mean much higher rates. And when comparing auto insurance rates, know that making a lot of price comparisons increases your odds of finding more affordable insurance.

Smart consumers can slash their insurance prices

Many things are part of the equation when you get a price on insurance. Some are obvious such as your driving record, but others are more obscure like where you live or how financially stable you are.

Higher physical damage deductibles cost less – Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some coverage claims would be a broken side mirror, flood damage, and burglary. Physical damage deductibles represent how much money you are required to spend if the claim is covered. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be on GS 300 insurance.
Add-on coverages that may not be needed – There are a ton of extra bells and whistles that you can get tricked into buying if you don’t pay attention. Insurance for rental car reimbursement, death and dismemberment, and membership fees may not be needed and are just wasting money. These may sound like a good investment at first, but your money might be better spent on other coverage so consider taking them off your policy.
Companies want multiple policies – Most insurers will give discounts to customers who carry more than one policy in the form of a multi-policy discount. Even with this discount, you still need to shop around to help guarantee you have the best rates. Consumers may find better rates even if you insure with multiple companies
Accidents are costly – How you drive impacts premiums far more than you think. Even a single chargable violation can bump up the cost substantially. Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Drivers who have gotten severe violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.

Insurance is unique, just like you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can aid in determining if your situation could use an agent’s help.

Am I covered when driving a rental car?
What is an SR-22 filing?
Does my insurance cover damage caused when ticketed for reckless driving?
Should I get collision insurance on every vehicle?
Am I covered when renting a car or should I buy coverage from the car rental agency?
When can my company non-renew my policy?
What is roadside assistance coverage?
Is a blown tire covered by insurance?
At what point should I drop full coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Can you really save $408 a year?

Companies like Geico, State Farm and Progressive seem to constantly run ads on television and other media. They all seem to state the claim that drivers can save some big amount just by moving your coverage to them. How do they all give you a lower rate? Here is the trick they use.

Car insurance companies provide the lowest rates for the type of insured that is profitable for them. A good example of a driver they prefer may need to be over the age of 50, has a clear driving record, and has excellent credit. A customer getting a price quote that matches those criteria will qualify for the lowest prices and as a result will probably cut their rates if they switch.

Insureds who do not fit the requirements will get more expensive rates which results in the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why companies can state the savings.

This really illustrates why it is so important to do a price quote comparison at every renewal. You cannot predict which insurance companies will have better rates than you’re paying now.

Coverages available on your policy

Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, vandalism, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

Collision insurance covers damage to your GS 300 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, backing into a parked car, hitting a parking meter, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Liability coverages

This coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like structural damage, loss of income, pain and suffering and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for surgery, EMT expenses 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. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Summing up your auto insurance search

People who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, being labeled a high risk driver or delays in paying claims. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.

In this article, we presented many ways to reduce 2018 Lexus GS 300 insurance car insurance rates online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest car insurance rates come from a lesser-known regional company.

As you prepare to switch companies, do not buy less coverage just to save a little money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at a price you can afford.

Additional learning opportunities

Child Safety FAQ (iihs.org)
How Much Auto Coverage do I Need? (Insurance Information Insitute)
Think You’re a Safe Driver? (State Farm)
Prepare your Teens for Safe Driving (InsureUonline.org)
Booster Seat Ratings (iihs.org)
Protect Yourself Against Auto Theft (Insurance Information Insitute)