How Much Does 2017 Lexus LS 460 Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 2, 2024

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Did a good deal turn out to be an underperforming, overpriced insurance policy? Trust us when we tell you many drivers feel the same as you.

Many car insurance companies compete for your insurance dollar, so it’s not easy to compare every insurer to get the cheapest price

Don’t miss these rate-reducing discounts

Insurance can be prohibitively expensive, but there are discounts available that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but some discounts are required to be asked for before you get the savings.

  • E-sign – Many insurance companies will give you a small discount for buying your policy digitally online.
  • Good Students Pay Less – Excelling in school may save as much as 25% on a insurance quote. This discount can apply until age 25.
  • Discount for New Cars – Buying a new car model can save up to 30% due to better safety requirements for newer vehicles.
  • Life Insurance Discount – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
  • Claim Free – Claim-free drivers are rewarded with significantly better rates on insurance quote when compared to frequent claim filers.
  • Auto/Home Discount – When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less on LS 460 insurance than their less cautious counterparts.
  • Passive Restraint Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.
  • Driver Education Discount – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
  • ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.

Don’t be surprised that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, it just doesn’t work that way.

Some of the insurance companies that may have most of these discounts include:

  • Progressive
  • AAA
  • Farmers Insurance
  • Esurance
  • State Farm

It’s a good idea to ask each insurance company to give you their best rates. Depending on the company, some discounts may not apply to policies in your state. To choose companies who offer discounts, enter your zip code here.

Five tips to get lower-cost insurance premiums

Many different elements are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving record, although some other factors are less apparent like your continuous coverage or your vehicle rating. Smart consumers have a good feel for the factors that go into determining the price you pay for insurance coverage. When you know what positively or negatively influences your rates, this helps enable you to make changes that can earn you lower insurance coverage prices.

  • Better premiums for uninterrupted coverage – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • More policies can equal more savings – Lots of insurance companies afford discounts to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you may still want to compare other insurance prices to help guarantee you have the best rates.
  • Little extras can really add up – Policies have extra add-on coverages that may not really be needed when buying insurance coverage. Insurance for things like vanishing deductibles, accidental death, and term life insurance may be wasting your money. You may think they are a good idea initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Alarm systems save money – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft and help bring rates down.
  • Vehicles with better crash test results cost less to insure – Safe vehicles tend to have lower insurance rates. Highly rated vehicles have better occupant injury protection and fewer serious injuries means less claims paid and thus lower rates. If your Lexus LS 460 has ratings of a minimum four stars on or an “acceptable” rating on you are probably receiving a discount.

Do I need special coverages?

When it comes to choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you might need professional guidance.

  • At what point should I drop full coverage?
  • Can I afford low physical damage deductibles?
  • Do I really need UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?
  • Is my 2017 Lexus LS 460 covered for smoke damage?
  • Are rock chip repairs covered?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Is there truth in advertising?

Companies like Progressive, Allstate and GEICO consistently run ads on TV and radio. All the ads convey the message about how much you will save if you switch your auto insurance coverage to their company. How is it plausible that every one can charge you a lower premium? Just pay attention to how they say it.

Most companies have strict underwriting profiles for the type of insured that will be a good risk. A good example of this type of risk profile may be between 30 and 50, owns a home, and has excellent credit. Any customer that fits those parameters receives the best car insurance rates and will also cut their rates substantially.

Potential customers who fall short of this stringent profile may be forced to pay more expensive rates and this can result in business going elsewhere. The ad wording is “people who switch” but not “all drivers who get quotes” save that much money. That is how companies can state the savings.

Different companies use different criteria so you really need to do a price quote comparison at every renewal. You cannot predict which insurance companies will have the best prices for your profile.

Specifics of your car insurance policy

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages offered by car insurance companies.

Collision insurance

This pays for damage to your LS 460 caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, hitting a parking meter, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This provides protection from damage that occurs to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like funeral expenses, repair costs for stationary objects, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Lexus LS 460.

Since many drivers have only the minimum liability required by law, 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 the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, fire damage, a broken windshield and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for hospital visits, prosthetic devices and ambulance fees. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

More choices the merrier

As you quote insurance, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best cost, not the least amount of coverage.

We just showed you a lot of ways to compare 2017 Lexus LS 460 insurance premium rates online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

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