1. Vehicles
  2. Lexus
  3. GS 430
  4. 2003 Model Year

2003 Lexus GS 430 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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 ...

Full Bio →

Written by

UPDATED: Nov 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Shopping for affordable insurance coverage online may be rather challenging for consumers new to shopping for insurance online. With dozens of insurers to choose from, how can anyone possibly compare the different rates to find the lowest rates?

You need to shop coverage around yearly because rates change quite often. Just because you found the lowest rates for GS 430 insurance two years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance coverage on the web, but by reading this article, you’re going to learn some great ways to find affordable insurance coverage.

Save big with these discounts

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Most are applied when you purchase, but some must be asked for prior to getting the savings.

  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Accident Forgiveness – Certain companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for GS 430 insurance with select insurance companies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Memberships – Participating in a professional or civic organization could qualify you for a break when buying car insurance for GS 430 insurance.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free car insurance policy, it just doesn’t work that way. Any qualifying discounts will help reduce your premiums.

A partial list of companies that may offer these money-saving discounts may include but are not limited to:

  • GEICO
  • SAFECO
  • State Farm
  • MetLife
  • 21st Century
  • Progressive

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts might not apply in your state.

The most recommended method to get policy rate comparisons is to take advantage of the fact most larger insurance companies provide online access to compare rate quotes. The only thing you need to do is provide a small amount of information like if you have a valid license, how much coverage you want, the make and model of your vehicles, and how much you drive. The rating information is then submitted to insurance carriers in your area and they return quotes instantly to find the best rate.

But I don’t know anything about car insurance

When it comes to choosing the best auto insurance coverage, there really is not a one size fits all plan. Every situation is different.

For instance, these questions could help you determine if you could use an agent’s help.

  • When should I drop full coverage on my 2003 Lexus GS 430?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my personal policy cover me when driving out-of-state?
  • Why do I only qualify for high-risk insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is the minimum liability in my state?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, EMT expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability coverage will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical expenses, pain and suffering and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision insurance will pay to fix damage to your GS 430 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, theft, damage from flooding, a broken windshield and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus GS 430.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Shop smart and save

Drivers switch companies for any number of reasons including high prices, policy cancellation, high rates after DUI convictions and extreme rates for teen drivers. Regardless of your reason, finding a great new company can be less work than you think.

In this article, we presented quite a bit of information on how to get a better price on 2003 Lexus GS 430 insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There have been many cases where drivers have reduced physical damage coverage only to find out they didn’t purchase enough coverage. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.

More detailed insurance coverage information can be found at these sites:

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles