View 2015 Lexus GS 350 Insurance Quotes

Trying to find better insurance coverage rates for your Lexus GS 350? Searching for better insurance prices for a Lexus GS 350 can normally be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find insurance coverage online so we’re going to tell you the best way to get price quotes for a new or used Lexus and obtain the best price possible either online or from local insurance agents.

Smart consumers take time to compare rates at least once a year since rates are constantly changing. Despite the fact that you may have had the best rate for GS 350 insurance a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out one of the best ways to find the best coverage while lowering your premiums.

If you have a policy now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Buying affordable protection is not that difficult. Vehicle owners only need an understanding of the most effective way to compare price quotes over the internet.

The cheapest insurance coverage

Shopping for lower insurance coverage rates can take hours if you aren’t aware of the most efficient way. You could waste a few hours talking to agents in your area, or you could use the web to maximize your effort.

Most of the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and each company can provide price quotes for coverage. This prevents consumers from doing quote requests for each company you want a rate for. To find out how much you can save on insurance coverage click here (opens in new window).

The single downside to pricing coverage this way is you can’t choose the providers you want pricing from. If you prefer to choose individual companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

The method you choose is up to you, but be certain you are entering the same coverage information with every price quote. If you enter mixed coverages it will be impossible to get a fair rate comparison.

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Beware of misleading car insurance ads

Consumers can’t escape the ads that promise big savings for switching from companies such as State Farm and Allstate. All the ads try to convey promises about how much you will save if you move your car insurance policy to them.

It sounds good, but how can they all give you a lower rate?

Many companies offer their best rates for the type of customer that makes them money. An example of a desirable insured could be between the ages of 40 and 55, has other policies, and drives newer vehicles. A customer who fits those characteristics receives the best prices and will cut their rates if they switch.

Insureds who are not a match for the ideal profile will be quoted more expensive rates which leads to the customer buying from a different company. If you pay attention, the ads say “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can truthfully claim big savings. Each company has different criteria, so you really need to get a wide range of price quotes. It is impossible to guess which car insurance company will be your best fit.

Discounts can really help save money

Auto insurance companies don’t necessarily list every available discount very well, so we researched some of the more common and the more hidden credits available to bring down your rates.

• Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
• Accident Forgiveness Coverage – but companies like Progressive, State Farm and Geico will let one accident slide before raising your premiums if you are claim-free prior to being involved in the accident.
• Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive so you can save 10 percent or more.
• Bundled Policy Discount – When you combine your home and auto insurance and insure them both with the same insurance company you may save 10% to 20% off each policy.
• Discounts for Good Drivers – Drivers who avoid accidents may receive a discount up to 45% for GS 350 insurance than their less cautious counterparts.
• Clubs and Organizations – Joining qualifying clubs or civic groups may earn a discount on your bill.
• Service Members Pay Less – Being deployed in the military could qualify you for better rates.
• Driver Training Discounts – Taking part in a driver safety course could save 5% or more if your company offers it.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Popular car insurance companies and the discounts they provide are:

• American Family offers discounts for defensive driver, good driver, early bird, air bags, mySafetyValet, Steer into Savings, and good student.
• State Farm has discounts for passive restraint, defensive driving training, safe vehicle, good student, driver’s education, and multiple policy.
• 21st Century offers discounts including teen driver, early bird, anti-lock brakes, defensive driver, air bags, and 55 and older.
• Travelers policyholders can earn discounts including good student, IntelliDrive, multi-policy, continuous insurance, multi-car, student away at school, and new car.
• Geico may have discounts that include military active duty, five-year accident-free, good student, anti-theft, daytime running lights, defensive driver, and air bags.

When comparing rates, check with each insurance company which discounts can lower your rates. Some discounts might not be available to policyholders in your area. To view car insurance companies offering car insurance discounts, follow this link.

Will just any policy work for me?

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

For instance, these questions can help discover if you may require specific advice.

• What if I owe more than I can insure my car for?
• Should I sign the liability waiver when renting a car?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need replacement cost coverage?
• Is my nanny covered when driving my vehicle?
• Are there companies who specialize in insuring high-risk drivers?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

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Car insurance coverages for a Lexus GS 350

Having a good grasp of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, rock chips in glass, hitting a deer, a tree branch falling on your vehicle and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability insurance – This coverage provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see 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.

Liability insurance covers things such as loss of income, medical services, bail bonds, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, hitting a parking meter, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for surgery, hospital visits, doctor visits and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save your cold hard cash

Drivers switch companies for any number of reasons including delays in responding to claim requests, questionable increases in premium, policy cancellation and being labeled a high risk driver. It doesn’t matter what your reason, finding the right insurance provider can be less work than you think.

We just showed you many ways to compare 2015 Lexus GS 350 insurance prices online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the best price on insurance is with an unexpected company.

Cost effective 2015 Lexus GS 350 insurance is definitely available both online and with local insurance agents, so you should compare both to have the best selection. Some insurance providers don’t offer price quotes online and these smaller providers only sell through independent agents.

More information

• Auto Theft Statistics (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• Auto Insurance Basics (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)

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