Lower Your 2016 Lexus LS 460 Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 2, 2024

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Shoppers have options when shopping for affordable Lexus LS 460 insurance. They can either spend hours contacting agents trying to get quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to buy auto insurance and we’ll show you the quickest way to compare rates for a Lexus and get the lowest price.

The fastest way that we advise to get policy rate comparisons utilizes the fact auto insurance companies provide online access to give rate comparisons. All consumers are required to do is give them rating details including what your job is, if you are currently licensed, if you require a SR-22, and whether you are married. The rating information gets transmitted to multiple insurance providers and you will get price comparisons quickly.

Insurance premiums are influenced by these factors

Many things are considered when quoting car insurance. Most are fairly basic like your driving record, but others are less apparent such as whether you are married or how safe your car is.

The following are some of the factors car insurance companies consider when setting your rates.

  • Premiums drop with age – More experienced drivers are more cautious drivers, tend to file fewer claims , and are generally more financially stable. Youthful drivers have been known to be easily distracted when driving with friends therefore car insurance rates are much higher.
  • Your liability limits – Liability insurance is the protection when a court rules you are at fault for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.
  • Alarm systems systems cut rates – Driving a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Higher comp and collision deductibles cost less – Insurance for physical damage to your car, aka comp and collision, protects your Lexus from damage. Some examples of covered claims are collision with another vehicle, damage from fire, and having your car stolen. The deductibles state the amount of money the insured will be required to pay if a covered claim is submitted. The more expense the insured has to pay upfront, the lower your rates will be for LS 460 coverage.
  • High credit score translates to low costs – A driver’s credit history is likely to be a major factor in determining what you pay for car insurance. Therefore, if your credit score is lower than you’d like, you could be paying less to insure your 2016 Lexus LS 460 by improving your rating. Drivers with very high credit ratings tend to file fewer claims as compared to drivers with bad credit.
  • Do you really need the incidental coverages? – Insurance companies have many optional add-on coverages that can add up when buying car insurance. Coverages like coverage for rental cars, towing, and motor club memberships are probably not needed. You may think they are a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Does insurance cost less for gals? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean females are better at driving than males. Both genders cause auto accidents in similar numbers, but the male of the species tend to have more serious accidents. Not only that, but men also get higher numbers of serious violations like reckless driving and DUI.
  • Small claims can cost you – If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Companies give better rates to drivers who only file infrequent claims. Insurance coverage is meant to be used in the event of larger claims.

You may qualify for discounts

Insurance is not an enjoyable expense, but you can get discounts to help bring down the price. Many of these discounts will be applied automatically at the time you complete a quote, but a few need to be inquired about before being credited.

  • Payment Method – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
  • Savings for New Vehicles – Insuring a new car can be considerably cheaper since new vehicles are generally safer.
  • Military Rewards – Being on active duty in the military could qualify you for better prices.
  • Driver Safety – Completing a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Auto/Life Discount – Not all companies offer life insurance, but some may give you a small discount if you purchase life insurance from them.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with the same company you will save at least 10% off all policies.
  • Discount for Low Mileage – Maintaining low annual mileage may allow you to get lower premium rates on the low mileage vehicles.

Remember that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it appears all those discounts means the company will pay you, insurance companies aren’t that generous.

Large insurance companies and a selection of discounts can be read below.

  • GEICO offers premium reductions for air bags, seat belt use, driver training, multi-policy, anti-lock brakes, and anti-theft.
  • Mercury Insurance has savings for type of vehicle, anti-theft, accident-free, good student, multi-car, low natural disaster claims, and professional/association.
  • Farmers Insurance may include discounts for homeowner, early shopping, teen driver, alternative fuel, and multi-car.
  • Auto-Owners Insurance policyholders can earn discounts including teen driver, paid in full, good student, student away at school, multi-policy, safe vehicle, and paperless.
  • Liberty Mutual includes discounts for newly married, good student, multi-policy, newly retired, and new vehicle discount.
  • SAFECO offers discounts including homeowner, teen safety rewards, accident prevention training, anti-lock brakes, and anti-theft.
  • Progressive offers discounts for multi-policy, continuous coverage, online quote discount, multi-vehicle, online signing, good student, and homeowner.
  • USAA has discounts for defensive driver, multi-policy, vehicle storage, driver training, safe driver, and multi-vehicle.

When getting free insurance quotes, it’s a good idea to every insurance company to apply every possible discount. Savings may not apply to policies in your area.

There’s no such thing as the perfect insurance coverage policy

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions may help you determine if you might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is extra glass coverage worth it?
  • When should I drop full coverage on my 2016 Lexus LS 460?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my cargo covered for damage or theft?
  • Are rock chip repairs covered?
  • Is my state a no-fault state?
  • Can I afford to buy a different vehicle if my 2016 Lexus LS 460 is totaled?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete your zip code. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.


This coverage provides protection from damages or injuries you inflict on other people or property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as court costs, pain and suffering, medical services, medical expenses and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Lexus LS 460.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, rock chips in glass, damage from flooding, hail damage and vandalism. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, hospital visits, X-ray expenses, pain medications and EMT expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Stretch your dollar

Budget-conscious 2016 Lexus LS 460 insurance can be bought online and from local agencies, so you need to quote insurance with both to have the best selection. Some insurance providers don’t offer internet price quotes and these small, regional companies provide coverage only through independent agents.

Consumers change insurance companies for a variety of reasons including lack of trust in their agent, not issuing a premium refund, unfair underwriting practices and even high prices. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

When searching for affordable insurance quotes, do not reduce needed coverages to save money. In many instances, an insured dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

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