2011 Lexus GS 350 Insurance Rates

Trying to find low-cost insurance for a new or used Lexus GS 350 can be an all-consuming task, but you can use our auto insurance buying tips to make it easier.

There is a better way to find auto insurance online and you need to know the quickest way to compare rates for your Lexus and locate the cheapest rates from local insurance agents and online providers.

It’s a great practice to take a look at other company’s rates as often as possible because prices are rarely the same from one policy term to another. Even if you got the best deal for GS 350 coverage two years ago you will most likely find a better premium rate today. Ignore everything you know about auto insurance because we’re going to demonstrate the only way to lower your rates without sacrificing coverage.

If you have a policy now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Buying the cheapest coverage is quite easy. Vehicle owners just need to learn the best way to buy auto insurance on the web.

Get lower rates with discounts

Companies do not list all available discounts in a way that’s easy to find, so the following is a list of a few of the more common and the harder-to-find savings tricks you should be using when you buy insurance online.

• Save over 55 – Mature drivers can possibly qualify for a discount up to 10% for GS 350 coverage.
• Save with a New Car – Adding a new car to your policy is cheaper since new vehicles have better safety ratings.
• Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote insurance for GS 350 coverage depending on your company.
• Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
• Paperless Signup – Certain insurance companies will discount your bill up to fifty bucks for buying your policy online.
• Theft Deterent Discount – Cars that have factory anti-theft systems help deter theft and can earn a small discount on your policy.
• Data Collection Discounts – Insureds that choose to allow driving data collection to look at vehicle usage by installing a telematics device such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
• Good Drivers – Drivers without accidents can pay as much as 50% less for GS 350 coverage as compared to drivers with claims.
• Distant Student – Children who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
• Passenger Safety Discount – Factory air bags or motorized seat belts may get savings of 20 to 30 percent.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, companies don’t profit that way.

The best car insurance companies and some of the discounts are:

• Progressive may include discounts for good student, online signing, multi-vehicle, multi-policy, and online quote discount.
• AAA offers premium reductions for good student, multi-policy, pay-in-full, AAA membership discount, and anti-theft.
• Farmers Insurance may offer discounts for pay in full, homeowner, distant student, mature driver, and early shopping.
• Geico offers discounts including five-year accident-free, membership and employees, military active duty, anti-theft, seat belt use, defensive driver, and anti-lock brakes.
• Esurance offers discounts for homeowner, safety device, anti-theft, defensive driver, and emergency road assistance.
• SAFECO includes discounts for anti-theft, bundle discounts, teen safety rewards, drive less, multi-car, and homeowner.
• State Farm has discounts for defensive driving training, good driver, driver’s education, anti-theft, multiple policy, passive restraint, and good student.

When getting free insurance quotes, it’s a good idea to all the companies which discounts you may be entitled to. A few discounts may not be offered in your area. To find insurers with the best discounts, click here to view.

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What is the best auto insurance coverage?

When choosing the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions may help highlight if your situation might need an agent’s assistance.

• How much liability do I need to cover my assets?
• Can I afford to pay high deductible claims out of pocket?
• Should I carry comprehensive and collision coverage?
• Can my teen drive my company car?
• Why does it cost so much to insure a teen driver?
• Am I covered if my car is in a flood?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my insurance cover my expensive audio equipment?
• Is my trailer covered?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Save $395 a year? Really?

Consumers can’t ignore all the ads for insurance savings by Progressive, Allstate and Geico. All the ads advertise claims about how much you will save just by moving your coverage.

How does every insurance company offer you a better deal? It’s all in the wording.

Insurance providers provide the lowest rates for the type of customer that earns them a profit. An example of this type of driver could possibly be over the age of 45, has no driving citations, and has a high credit rating. A propective insured who fits that profile receives the best rates and as a result will probably save if they switch.

Consumers who don’t meet these stringent criteria will be charged higher prices which translates to the customer not buying. The ads say “people who switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can state the savings.

This illustrates why drivers must do a rate comparison at every renewal. It’s just not possible to know the company that will be your best fit.

Insurance specifics

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills such as dental work, prosthetic devices, surgery, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays for damage to your GS 350 from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, damaging your car on a curb, driving through your garage door, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, fire damage, damage from a tornado or hurricane and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Lexus GS 350.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Liability insurance – Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, bail bonds, loss of income, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

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Keep this in mind

Lower-priced insurance coverage is possible both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance providers may not have online rate quotes and these regional carriers only sell coverage through independent insurance agents.

We covered some good ideas how to save on 2011 Lexus GS 350 insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost insurance. Drivers may discover the biggest savings come from a small local company.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability limits or collision coverage only to find out they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

Even more information is available at these sites:

• Side Impact Crash Tests (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Rental Reimbursement Coverage (Allstate)
• Get the Right Protection (InsureUonline.org)
• How do I File a Claim? (Insurance Information Insitute)
• Red Light Cameras (State Farm)

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