How Much Does 2017 Lexus GX 460 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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I can’t think of anyone who looks forward to buying insurance, in particular when the prices are way too high.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with ad campaigns and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

Consumers should take time to do rate comparisons every six months because insurance prices change regularly. Even if you think you had the lowest rates on GX 460 insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to find out the fastest and easiest way to buy cheaper insurance.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this information. Buying car insurance is quite easy. But car owners need to have an understanding of how the larger insurance companies sell insurance online and apply this information to your search.

Verify you’re applying every discount

Companies offering auto insurance do not list every possible discount in a way that’s easy to find, so the following list contains some of the best known and also the more inconspicuous ways to save on auto insurance.

  • Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for slightly better rates than normal.
  • Paperwork-free – A handful of insurance companies give back up to $50 for completing your application on their website.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on GX 460 insurance depending on your auto insurance provider.
  • Senior Citizens – If you’re over the age of 55, you could receive a small decrease in premiums on GX 460 insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save a little off the personal injury premium cost.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like GEICO and Liberty Mutual may permit one accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
  • Own a Home and Save – Simply owning a home may earn you a small savings because it shows financial diligence.

You can save money using discounts, but many deductions do not apply the whole policy. Most only cut specific coverage prices like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

To find providers with the best auto insurance discounts, click here to view.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out whether or not you may require specific advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Can I still get insurance after a DUI?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if hit by an uninsured driver?
  • Is my 2017 Lexus GX 460 covered for flood damage?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I waive the damage coverage when renting a car?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance ads bend the truth

Well-known car insurance companies like GEICO, State Farm and Progressive endlessly run ads on TV and radio. All the ads advertise the message that people will save if you switch your policy. That’s great but how can every company claim to save you money? It’s all in how they say it.

Car insurance companies quote their best rates for the driver that will add to their bottom line. For instance, a driver they prefer could be between 25 and 40, has no prior claims, and insures a new vehicle. Someone that matches those criteria will get the preferred auto insurance rates and as a result will probably save when they switch companies.

Drivers who are not a match for these criteria may be forced to pay higher rates which usually ends up with the customer not purchasing. The wording the ads use say “customers who switch” not “all people who quote” save that much when switching. This is how insurance companies can confidently make those statements. This emphasizes why it’s extremely important to do a quote comparison often. It is impossible to guess with any certainty which company will be your best fit.

Insurance coverage breakdown

Having a good grasp of insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like attorney fees, loss of income and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage pays for damage to your GX 460 resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, hitting a mailbox, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Lexus GX 460.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like dental work, X-ray expenses, surgery and pain medications. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Better coverage you can count on

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. There have been many situations where someone dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

We just covered many ways to compare 2017 Lexus GX 460 insurance auto insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the best auto insurance rates are with an unexpected company. Smaller companies often have lower premium rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

For more information, feel free to browse the resources below:

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