How Much Does 1999 Lexus GS 400 Car 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: Nov 23, 2017

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Locating better insurance prices for your Lexus GS 400 could be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to shop for car insurance so you’re going to learn the quickest way to get price quotes on a Lexus and find the best price possible either online or from local insurance agents.

The quickest method to compare rate quotes is to know the fact car insurance companies allow for online access to quote your coverage. All consumers are required to do is give the companies some data including whether you are married, your credit rating estimate, if you went to college, and what you do for a living. The data is then sent to many of the top insurers and you receive quotes quickly.

Don’t pay full price with these discounts

The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. Most are applied at the time you complete a quote, but less common discounts must be asked for prior to receiving the credit. If you’re not getting every credit possible, you are throwing money away.

  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Save over 55 – If you’re over the age of 55, you may be able to get reduced rates on GS 400 coverage.
  • Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates when shopping for auto insurance on GS 400 coverage.
  • Drive Less and Save – Keeping the miles down on your Lexus can qualify you for discounted rates on garaged vehicles.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think you could get a free auto insurance policy, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

Insurance companies that may have some of the above discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in your area.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your situation could use an agent’s help.

  • Is my trailer covered?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my insurance cover my expensive audio equipment?
  • What is no-fault insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does coverage extend to a rental car in a foreign country?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I sign the liability waiver when renting a car?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Why your Lexus GS 400 insurance rates may be high

Smart consumers have a good feel for the different types of things that come into play when calculating your insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Are you male or female? – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are better drivers. Women and men cause accidents at a similar rate, but the men have costlier accidents. Men also statistically have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high insurance rates.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can pretty much guarantee higher rates. Insurance companies give lower rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Increase deductibles and save – The deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims could be colliding with a building, collision with an animal, and burglary. The more money you’re willing to pay, the lower your rates will be on GS 400 coverage.
  • More than one policy can earn a discount – Most companies will give a discount to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.
  • Rates may be higher depending on your occupation – Did you know your insurance rates can be affected by your occupation? Occupations like judges, architects and stock brokers tend to pay the highest rates because of job stress and lots of time spent at work. On the other hand, jobs such as scientists, students and performers have the lowest average rates on GS 400 coverage.
  • More people means more accidents – Living in less populated areas can save you money when it comes to insurance. City drivers have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • The more you drive the more you pay – The more you drive in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers apply a rate determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your insurance policy shows the correct driver usage, because it can save money. Incorrect usage on your GS 400 can result in significantly higher rates.
  • Little extras can really add up – There are quite a few additional coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and motor club memberships are some examples. They may seem like a good idea when you first buy your policy, but if you don’t need them get rid of them and save.

Auto insurance coverages explained

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, crashing into a ditch, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Lexus GS 400.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix 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 hail damage, fire damage and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

This coverage can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, 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 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, attorney fees, legal defense fees and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as prosthetic devices, X-ray expenses, EMT expenses and surgery. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

In the end, you save

Lower-priced 1999 Lexus GS 400 insurance is attainable online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. A few companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

When you buy insurance online, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured dropped liability coverage limits only to discover later they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Consumers who switch companies do it for any number of reasons including high prices, being labeled a high risk driver, lack of trust in their agent or high rates after DUI convictions. Regardless of your reason for switching companies, switching companies is actually quite simple.

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