Compare 2015 Lexus GS 350 Insurance Quotes

Searching for cheaper insurance rates for your Lexus GS 350? Nobody likes having to buy insurance, particularly when they are paying too much.

Drivers have multiple auto insurance companies to pick from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates and find the lowest cost insurance.

You need to shop coverage around before your policy renews because rates trend upward over time. Even if you think you had the lowest rates for GS 350 coverage on your last policy there is a good chance you can find better rates now. There is a lot of bad advice regarding insurance on the internet, so we’re going to give you some good information on how to find affordable insurance.

Free Quotes for Car Insurance

When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The fastest way to find the lowest 2015 Lexus GS 350 rates is to get quotes online. This can be accomplished using a couple different methods.

The recommended way to get the best comparison quotes is a comparison rater form click here to open form in new window. This type of form eliminates the need for separate quotation requests for every car insurance company. Just one form will get you price quotes from multiple low-cost companies.
A more time consuming way to analyze rates requires a visit to the website for each individual company and fill out their own quote form. For sake of this example, let’s say you want to compare rates from Progressive, Esurance and Farmers. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare exactly the same coverages on every quote you get. If you compare different values for each quote it’s impossible to find the best deal for your Lexus GS 350. Just a small difference in limits may cause a big price difference. It’s important to know that getting more free quotes helps you find a better price.

Take advantage of discounts

Car insurance companies do not advertise every available discount in a way that’s easy to find, so we researched both well-publicized as well as the least known discounts you could be receiving.

Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
Student in College – Any of your kids living away from home attending college and do not have a car can receive lower rates.
New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
Safety Course Discount – Successfully completing a driver safety course could save 5% or more if your company offers it.
Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.

It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.

Car insurance companies that may have some of the above discounts are:

Check with every prospective company which discounts you may be entitled to. Discounts might not be offered everywhere.

How to know if you need help

When buying the best insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining whether or not you might need professional guidance.

Am I better off with higher deductibles on my 2015 Lexus GS 350?
Can I rent a car in Mexico?
Should I buy only the required minimum liability coverage?
What is the rate difference between pleasure use and commuting?
Does my car insurance cover rental cars?
How much liability do I need to cover my assets?
What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Liability insurance

This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, court costs and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2015 Lexus GS 350.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto collision coverage

This coverage covers damage to your GS 350 caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, crashing into a building, sideswiping another vehicle, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a bird and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like dental work, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage