2018 Lexus GS F Car Insurance Cost – 10 Tricks for Best Prices

Looking for lower insurance coverage rates for your Lexus GS F? Have you fallen victim to an overpriced insurance coverage policy? Trust us, there are many drivers thinking the same thing. People have many insurance companies to insure vehicles with, and even though it’s nice to have a selection, it can be more challenging to compare rates and cut insurance costs.

Low cost insurance coverage prices

Cutting your insurance coverage rates is pretty simple and can save money. All you need to do is spend a little time to compare rate quotes to find. You can get a good selection of rate quotes in several different ways.

  1. The best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This style of form prevents you from having to do separate quotation requests for each price estimate. A single form will return price quotes direct from many companies.
  2. A less efficient way to get quotes online requires visiting each company website and request a quote. For instance, let’s say you want to compare rates from Nationwide, Esurance and Farmers. In order to get each rate, you would have to go to every website and enter your policy data, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just ensure you’re using exactly the same deductibles and coverage limits on every price quote you get. If your comparisons have different limits and deductibles on each one then you won’t be able to determine the best price for your Lexus GS F.

Ten discounts for affordable auto insurance rates

Car insurance can cost a lot, but you may find discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you get a quote, but some need to be manually applied before they will apply.

  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and earn discounts up to 10% off your insurance coverage quote.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% for GS F insurance compared to rates paid by drivers with frequent claims.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if it’s offered in school.
  • Discount for Swiching Early – A few larger companies offer discounts for switching to them prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Military Rewards – Being on active deployment in the military could trigger a small discount.
  • Defensive Driver – Taking time to complete a defensive driving class may get you a small discount if your company offers it.
  • Bundle and Save – If you can combine your homeowners and auto policy and insure them with the same company you could get a discount of at least 10% off all policies.
  • Driving Data Discount – Insureds that choose to allow companies to spy on their driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles with the same auto insurance company may reduce the rate for each vehicle.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control are much safer to drive and will save you 10% or more.

Don’t be shocked that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

Companies and their offered discounts include:

  • Geico has discounts for anti-lock brakes, federal employee, daytime running lights, emergency military deployment, good student, five-year accident-free, and anti-theft.
  • Auto-Owners Insurance offers discounts for group or association, teen driver, student away at school, safe vehicle, good student, paperless, and anti-theft.
  • American Family has savings for Steer into Savings, early bird, mySafetyValet, good student, good driver, and defensive driver.
  • Esurance offers discounts including anti-theft, homeowner, claim free, online quote, Pac-12 alumni, and multi-car.
  • Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, online quote discount, homeowner, online signing, good student, and multi-policy.
  • State Farm includes discounts for good student, Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, and good driver.
  • AAA may include discounts for education and occupation, anti-theft, good driver, multi-car, and AAA membership discount.

Double check with every company the best way to save money. Discounts may not be offered in your area.

Tailor your insurance coverage to you

When buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For instance, these questions might point out whether you might need an agent’s assistance.

  • Is a new car covered when I drive it off the dealer lot?
  • When would I need additional glass coverage?
  • Am I covered if my car is in a flood?
  • How much underlying liability do I need for an umbrella policy?
  • Do I benefit by insuring my home with the same company?
  • What can I do if my company won’t pay a claim?
  • Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with 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 insurance companies in your area. It’s fast, free and may give you better protection.

Car insurance coverage basics

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Auto collision coverage

This pays for damage to your GS F caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, crashing into a building, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses like rehabilitation expenses, pain medications and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, falling objects and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, 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. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.


Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, attorney fees, loss of income, medical services and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comments About 2018 Lexus GS F Insurance

  1. Letty Olsen

    I’m in the south part of Chesapeake, VA. Quoted with American Family, Sentry, and a few others for my 2018 Lexus GS F and saved just over $360 a year. Insured with GMAC before. It’s still not cheap enough.

  2. Gwyn King

    I’m in West Valley City, Utah. Quoted prices from Amica, Sentry, and USAA for my Lexus and saved just over $450 a year. I increased coverages a little too.

  3. Shin Patton

    I found pretty cheap rate quotes for a 2018 Lexus GS F in Las Cruces, NM. Ended up at about $560 every six months with AIG Insurance.

  4. Rosemary Blackwell

    In Houston, TX, State Farm is a good choice.