2008 Lexus GS 450h Insurance Rates
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UPDATED: Apr 27, 2020
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Average insurance rates for a 2008 Lexus GS 450h are $1,252 a year including full coverage. Comprehensive costs around $244 a year, collision costs $372, and liability costs around $478. Buying a liability-only policy costs as low as $526 a year, with high-risk insurance costing around $2,700. Teen drivers receive the highest rates at $4,828 a year or more.
Annual premium for full coverage: $1,252
Rate estimates for 2008 Lexus GS 450h Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2008 Lexus GS 450h models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $526 for only liability insurance to a high of $2,700 for high-risk insurance.
These differences highlight why it is important for drivers to compare prices for a specific zip code and risk profile, instead of using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2008 Lexus GS 450h Insurance
Trying to find lower car insurance rates for your Lexus GS 450h? Are you a victim of high-priced car insurance? Believe me when I say there are lots of people in the same boat.
Numerous insurance companies battle for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.
If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Finding the best rates is easy if you know what you’re doing. But consumers do need to know how companies determine prices because it can help you find the best coverage.
Finding Insurance Deals
There are a lot of ways to shop for insurance, but some are more efficient than others. You could spend the better part of a day driving to insurance agencies in your area, or you could use the internet to achieve your goal.
Many insurance companies take part in a program that enables customers to submit one quote, and every company then returns a price quote based on the submitted data. This saves time by eliminating quote requests for each company you want a rate for.
To access this free quoting program, click here to open in new window.
The only downside to getting quotes like this is you don’t know exactly the companies you want pricing from. If you would rather choose specific insurance companies to compare rates, we put together a list of insurance companies in your area. Click here to view list.
It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverage limits for every company. If the quotes have different values for each quote it’s not possible to truly determine the lowest rate. Slightly different limits may result in a large different in cost. And when quoting insurance, remember that getting more free quotes gives you a better chance of getting the best rates.
Best discounts on Lexus GS 450h coverage
Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving.
- Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on your policy for GS 450h insurance.
- Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
- Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.
- New Car Discount – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
- Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
- Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
- Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
- Own a Home – Simply owning a home can help you save on insurance coverage because owning a home requires personal responsibility.
- Accident Waiver – Certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
- 55 and Retired – Older drivers may receive better insurance coverage rates for GS 450h insurance.
Keep in mind that many deductions do not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.
Car insurance companies that may offer these money-saving discounts include:
It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts might not be offered everywhere.
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Tailor your coverage to you
When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you may require specific advice.
- Will I lose any money if I cancel my policy before it expires?
- Does medical payments coverage apply to all occupants?
- Does my policy cover me when driving someone else’s vehicle?
- I have a DUI can I still get coverage?
- What companies insure drivers after a DUI or DWI?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Why am I required to buy high-risk coverage?
- Is my camper covered by my car insurance policy?
- Does my insurance cover a custom paint job?
- Can my babysitter drive my car?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.
Car insurance 101
Having a good grasp of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.
Collision coverages – This coverage will pay to fix damage to your GS 450h 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 insurance covers things such as crashing into a building, crashing into a ditch, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.
Auto liability – This protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against claims like pain and suffering, medical services, structural damage, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Lexus GS 450h.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Medical costs insurance – Med pay and PIP coverage pay for bills for things like funeral costs, hospital visits and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like hail damage, rock chips in glass and hitting a bird. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Rates by U.S. City
|New York City, NY||$1,977|
|Los Angeles, CA||$2,139|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$84|
|5-yr Claim Free||$80|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.