Lexus GS-350 Insurance Rates

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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: Jun 4, 2023

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Comparing auto insurance through online rate quotes can be fast and easy and there is a good chance you will probably save money. The most important part is to take the time to get as many rate quotes as possible so you can get the lowest priced insurance.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies competing for your business. To find the best auto insurance prices, there are several ways of comparing rates from different insurance companies. The best method to find competitive Lexus GS-350 insurance cost involves getting comparison quotes online. This can be accomplished by completing this short form.

Insurance rates for a Lexus GS-350 can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Male rates may be higher
  • Low deductibles cost more
  • Safety rating of your GS-350
  • Your profession
  • The level of coverage
  • Whether you own your home

One last important factor that can impact the rate you pay on your Lexus GS-350 is the year of manufacture. Used vehicles cost less so repair costs tend to be lower which may result in lower rates. Conversely, newer vehicles may have options such as an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which can give discounted rates.

Auto liability - This coverage can cover damage that occurs to other people or property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage - This coverage covers damage to your GS-350 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Lexus GS-350 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

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