2013 Lexus GS 350 Car Insurance Rates

Searching for lower car insurance rates for your Lexus GS 350? Have you fallen victim to overpriced car insurance? Believe me, you’re not alone. Since consumers have many insurance companies to choose from, it can be impossible to choose the right car insurance company.

You should take the time to compare prices once or twice a year because rates go up and down regularly. Just because you had the lowest rates for GS 350 insurance six months ago you may be paying too much now. Starting right now, forget anything you know (or think you know) about car insurance because you’re about to learn the easiest way to find lower rates on car insurance.

Finding the best rates is not rocket science. If you have car insurance now, you will be able to reduce your rates substantially using these methods. Vehicle owners just need to learn how to compare price quotes online.

Discounts are available to cut your rates

Car insurance companies don’t always list every discount in an easy-to-find place, so we researched both the well known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Clubs and Organizations – Participating in a professional or civic organization may earn a discount on your policy for GS 350 insurance.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

Companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Some discounts might not apply in your state.

Automobile Insurance Quotes

There are several ways to compare Lexus GS 350 auto insurance prices but one way is less time-consuming than others. You can waste a lot of time talking about coverages with agents in your area, or you can utilize online quoting to get pricing more quickly.

Most major companies take part in a program that allows shoppers to enter their policy data once, and each participating company can provide price quotes determined by their information. This saves time by eliminating quotation requests for each company.

To compare pricing click to open in new window.

The one disadvantage to using this type of system is you can’t choose the insurers you want to price. So if you want to choose from a list of companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare the exact same coverages for every quote you compare. If your comparisons have different values for each quote it’s not possible to find the best deal for your Lexus GS 350.

Everyone needs different coverages

When buying coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover whether your personal situation will benefit from professional help.

  • Should I waive the damage coverage when renting a car?
  • Is my dog or cat covered if injured in an accident?
  • Does insurance cover tools stolen from my truck?
  • What is the ISO rating for a 2013 Lexus GS 350?
  • Is extra glass coverage worth it?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Insurance coverages and their meanings

Understanding the coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, fire damage and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

This coverage covers damage to your GS 350 caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, sideswiping another vehicle, colliding with another moving vehicle, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as funeral costs, surgery, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

This protects you from damage that occurs to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like court costs, medical services, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Lexus GS 350.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Final thoughts

We just covered a lot of ways to shop for 2013 Lexus GS 350 insurance online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with the smaller companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

Cost effective insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

Additional detailed information is located in the articles below: