2013 Lexus GS 350 Insurance Quotes – 6 Ideas for Cheaper Rates

Drivers have lots of choices when trying to find the best price on Lexus GS 350 insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to shop for auto insurance and you need to know the quickest way to price shop coverage for your Lexus and locate the lowest possible price either online or from local insurance agents.

It’s a good idea to get comparison quotes once or twice a year because insurance prices tend to go up over time. Even if you think you had the lowest quotes for GS 350 insurance last year you can probably find a lower rate today. There are lots of tips to save on auto insurance online but you can learn some great ideas on how to save money.

Do you qualify for these six discounts?

Some insurance providers don’t always list every available discount in a way that’s easy to find, so we break down a few of the more common and the more hidden credits available to lower your premiums when you buy auto insurance online. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.

• Low Miles Discount – Low mileage vehicles could qualify for lower insurancerates due to less chance of an accident.
• Active Military Service – Being on active deployment in the military could qualify you for better premium rates.
• Life Insurance – Companies who offer life insurance give lower insurancerates if you buy a life insurance policy as well.
• Telematics Devices – Insureds that choose to allow driving data submission to monitor driving manner 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 as long as the data is positive.
• Membership in Organizations – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance.
• No Accidents – Drivers who stay claim-free can save substantially compared to frequent claim filers.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, you’re out of luck.

Car insurance companies who may offer most of the discounts above include:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

If you need lower rates, check with each company which discounts you qualify for. Some credits may not apply to policies in your area. If you would like to choose from a list of providers that offer some of these discounts, click this link.

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The cheapest car insurance

Reducing your 2013 Lexus GS 350 insurance rates is actually easier than you may think. Drivers just need to invest a few minutes to compare rate quotes to find out which insurance company has low cost auto insurance quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

1. The easiest and least time consuming way consumers can analyze rates is a comparison rater form (click to open form in new window). This quick form eliminates the need for boring form submissions for each price estimate. One quote request will return price quotes from several companies. Recommended for those who want to invest the least amount of time.
2. A harder way to compare rate quotes requires you to visit each company’s website to request a price quote. For instance, we’ll pretend you want to compare rates from USAA, Allstate and Liberty Mutual. To get each rate you have to visit each site to enter the same coverage data repeatedly, which is not fast way to get rate quotes.

   For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits and deductibles for each price quote. If your comparisons have different coverage information then you won’t be able to determine which company has the best rates.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I wreck a rental car?
• What is no-fault insurance?
• Will I lose any money if I cancel my policy before it expires?
• How can I get high-risk coverage after a DUI?
• When should my teen driver be added to my policy?
• Am I insured when driving a different vehicle?
• Does medical payments coverage apply to all occupants?
• Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Do drivers who switch really save $407 a year?

Drivers can’t escape the ads for cheaper car insurance from companies such as Progressive, Geico, Allstate and State Farm. They all seem to seem to make the promise of big savings if you move your coverage.

How can each company lower your rates? You have to listen carefully.

Many companies quote their best rates for the type of customer that makes them money. An example of this type of insured could be a married female, has a low-risk occupation, and chooses high deductibles. Anybody who meets those qualifications will get the preferred rates and will most likely save a lot if they switch.

Drivers who fall short of these stringent criteria will be quoted a higher rate and business going elsewhere. The ads state “people who switch” not “everyone who quotes” save that kind of money. That is how insurance companies can confidently make those statements. Because each company has a different risk profile, drivers must compare many company’s prices. Because without a comparison, you cannot know which car insurance company will have the best premium rates at this point in time.

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Auto insurance 101

Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

This can cover damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, pain and suffering, loss of income and medical services. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus GS 350.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision insurance

Collision coverage will pay to fix damage to your GS 350 resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like funeral costs, pain medications and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage, a broken windshield, theft and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Shop. Compare. Save.

Cheaper 2013 Lexus GS 350 insurance is definitely available on the web in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not offer rates over the internet and many times these small, regional companies only sell coverage through independent agents.

In this article, we covered quite a bit of information on how to compare 2013 Lexus GS 350 insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest prices are with the least-expected company.

People change insurance companies for many reasons like high rates after DUI convictions, lack of trust in their agent, denial of a claim or even poor customer service. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

More tips and info about insurance can be found by following these links:

• Auto Insurance 101 (About.com)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Credit and Insurance Scores (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)

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