1991 Lexus LS 400 Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Trying to find cheaper insurance rates? Buyers have a choice when searching for affordable Lexus LS 400 insurance. They can either spend hours calling around trying to get quotes or use the internet to compare rates. There is a better way to buy insurance so we’re going to tell you the proper way to quote coverages on a Lexus and find the lowest price from local insurance agents and online providers.

Buying car insurance is quite easy. If you are paying for car insurance now, you should be able to save some money using this strategy. Drivers just need to understand the proper methods to find the lowest price on the web.

Insurance Quote Comparison

Lowering your 1991 Lexus LS 400 insurance rates is a fairly straight forward process. All you need to do is invest a few minutes to compare quotes online from several insurance companies. This can be done in a couple of different ways.

  • The fastest way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This method eliminates the need for separate quotes for every insurance company. A single, simple form gets you price quotes from all major companies. It’s definitely the quickest method.
  • A slightly less efficient method to get comparison quotes requires you to visit the website for each individual company to complete a price quote. For instance, we’ll pretend you want to compare rates from GEICO, Safeco and Liberty Mutual. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but double check that you are using the exact same coverages and limits for every company. If you are comparing different limits and deductibles on each one it’s not possible to determine the best price for your Lexus LS 400.

Save big with these discounts

Auto insurance companies don’t always publicize all their discounts in a way that’s easy to find, so we break down both the well known as well as the least known discounts you could be receiving. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home can save you money because of the fact that having a home requires personal responsibility.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on LS 400 insurance than their less cautious counterparts.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on LS 400 insurance.
  • No Claims – Good drivers with no accidents can save substantially when compared with frequent claim filers.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of insurers who offer insurance discounts, click here to view.

But I don’t know anything about car insurance

When buying the best car insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your situation might need professional guidance.

  • Does my 1991 Lexus LS 400 need full coverage?
  • Does having multiple vehicles earn me a discount?
  • Should I have combined single limit or split liability limits?
  • Do I need more liability coverage?
  • Should I carry comprehensive and collision coverage?
  • Should I put collision coverage on all my vehicles?
  • What are the best liability limits?
  • Am I covered if I crash into my own garage door?
  • What if I don’t agree with a claim settlement offer?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Parts of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like ambulance fees, surgery, rehabilitation expenses, chiropractic care and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, scraping a guard rail, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism and damage from flooding. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability – Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Lexus LS 400.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

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