2018 Lexus GS 350 Car Insurance Rates 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 6, 2024

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Trying to come up with a payment for expensive insurance can diminish your accounts and make it tough to pay other bills. You have so many insurers to pick from, and although it’s a good thing to be able to choose, more options can take longer to find the lowest cost provider.

First Step: Get free car insurance quotes

Reducing your 2018 Lexus GS 350 insurance rates is actually quite simple. You just need to take the time comparing rate quotes from online providers. Rate comparisons can be done in just a few minutes using one of these methods.

  1. If you are pressed for time, the simplest way consumers can make multiple comparisons is an all-inclusive rate comparison. This quick form eliminates the need for repetitive form entry for every car insurance company. One simple form gets you coverage quotes from many national carriers.
  2. A less efficient way to compare prices requires you to visit the website of each company and repeat the quote process. For instance, let’s assume you need rates from Progressive, 21st Century and American Family. In order to compare rates, you need to go to every website and type in your information over and over, which is not fast way to get rate quotes.
  3. The least recommended method to find cheaper rates is calling or driving to each insurance agency near you. The ability to get quotes online eliminates this option unless you want the advice and guidance of a local agent. It is possible with some companies get prices online and have a local agent actually service the policy.

It’s up to you which method you use, but try to use equivalent coverage data for every company. If your comparisons have different liability limits then you won’t be able to decipher which rate is best.

Find hidden discounts on auto insurance

Car insurance can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but some discounts are required to be requested specifically before you get the savings.

  • Discount for Home Ownership – Just owning your own home may earn you a small savings because owning a home demonstrates responsibility.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
  • Military Deployment Discount – Being deployed in the military could trigger a small discount.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Government Employees – Simply working for the federal government may qualify for a discount when you quote insurance on GS 350 coverage depending on your company.

Don’t be shocked that many deductions do not apply to the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you aren’t that lucky.

Auto insurance companies that may include these discounts include:

  • Esurance
  • The Hartford
  • AAA
  • State Farm

Check with each company to apply every possible discount. Depending on the company, some discounts may not be available in your area.

How to lower your insurance prices

Multiple criteria are taken into consideration when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other factors are more transparent such as your marital status or your financial responsibility.

  • Liability coverage limits are a factor – Your insurance coverage policy’s liability coverage will protect you in the event that you are found to be at fault for an accident. Liability insurance provides you with a defense in court which can cost a lot. This coverage is very inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Single drivers take more risk – Being married can get you a discount on your insurance coverage bill. Marriage generally demonstrates drivers are more financially stable and statistics prove being married results in fewer claims.
  • More policies can equal more savings – Most major insurers will give a discount for people that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, consumers should still compare other company rates to verify if the discount is saving money. There is a good possibility that you can save money by buying insurance coverage from a different company.
  • Lower insurance coverage rates with continuous insurance coverage coverage – Not having insurance is against the law and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, failure to provide proof of insurance can result in fines and jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Rural areas have lower costs – Residing in less populated areas of the country has definite advantages when buying insurance coverage. Drivers who live in large cities regularly have more road rage incidents and longer commute times. Fewer drivers and short commutes translates into fewer accidents as well as less vandalism and auto theft.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in my state?
  • Does coverage extend to Mexico or Canada?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Why do I need rental car insurance?
  • Are my friends covered when driving my 2018 Lexus GS 350?
  • Why am I required to buy high-risk coverage?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and enter your zip code. It only takes a few minutes and can help protect your family.

Ads can be misleading

Consumers can’t ignore all the ads for cheaper auto insurance from companies such as State Farm, GEICO and Progressive. They all state the claim that you’ll save big after switching your auto insurance policy to them.

Is it even possible that every company can make the same claim? You have to listen carefully.

Insurance providers require specific criteria for the type of customer that earns them the highest profit. For example, a profitable risk profile may be over the age of 50, insures multiple vehicles, and drives a lower-performance vehicle. A customer getting a price quote who matches that profile will probably get cheap rates as well as save when switching.

Consumers who may not quite match those criteria will see higher premium rates which leads to business not being written. The wording the ads use say “people who switch” not “everyone who quotes” will save that much if they switch. This is how companies can advertise the savings.

Because every company is different, you need to compare quotes as often as possible. Because you never know which insurance companies will give you lower car insurance rates than your current company.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, rock chips in glass, fire damage and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Lexus GS 350.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for bills like rehabilitation expenses, X-ray expenses, chiropractic care and dental work. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability coverage protects you from damage or injury you incur to other people or property. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as funeral expenses, repair bills for other people’s vehicles, court costs, medical expenses and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

A penny saved is a penny earned

We’ve covered many ideas to compare 2018 Lexus GS 350 insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the lowest prices come from some of the smallest insurance companies. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

Some insurance providers do not provide internet price quotes and these smaller companies only sell through independent agencies. Budget-conscious 2018 Lexus GS 350 insurance is available online in addition to many insurance agents, and you need to comparison shop both to have the best rate selection.

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