2018 Lexus GS F Insurance Rates
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UPDATED: Nov 19, 2019
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Average insurance rates for a 2018 Lexus GS F are $1,946 a year for full coverage insurance. Comprehensive costs an estimated $442, collision costs $930, and liability costs $416. Buying a liability-only policy costs as little as $474 a year, with high-risk insurance costing around $4,250. Teen drivers receive the highest rates at $7,014 a year or more.
Annual premium for full coverage: $1,946
Rate estimates for 2018 Lexus GS F Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 Lexus GS F 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 the average driver, prices range go from as low as $474 for just liability insurance to the much higher price of $4,250 for a driver that may need high-risk insurance.
These differences illustrate why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on 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 2018 Lexus GS F Insurance
Searching for the cheapest insurance for a new or used Lexus GS F could be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the quickest way to price shop coverage for a new or used Lexus and locate the best price possible.
You should take the time to compare prices quite often because rates are rarely the same from one policy term to another. Just because you had the best premium rates for GS F insurance at your last renewal there is a good chance you can find better prices now. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the things you must know in order to properly buy coverages and cut your premium.
If you have a current insurance coverage policy or need new coverage, you can follow these tips to find better prices while maximizing coverage. Buying the lowest cost protection can be fairly easy. Drivers only need an understanding of the proper methods to get comparison quotes online.
How to compare insurance quotes
Most companies give insurance quotes on the web. Getting prices online is quite easy as you simply type in the coverages you want into the form. After the form is submitted, the system will order reports for credit and driving violations and returns a price based on the data you entered.
Online price estimates streamlines rate comparisons, but having to visit several different sites and complete many quote forms is not the best way to spend an afternoon. But it’s necessary to do this if you want to find lower prices.
There is a better way to compare rates
A better way to find better insurance pricing uses one simple form that gets price quotes from a lot of companies. The form is fast, reduces the work, and makes comparison shopping much easier. As soon as you send your information, it is quoted and you can select any or none of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and can result in significant savings.
If you want to find out how much you can save on insurance, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you complete the form with coverages and limits just like they are on your policy. This helps ensure you’re receiving a price comparison using the exact same coverages.
Save a ton with discounts
Some insurers don’t necessarily list every discount they offer in a way that’s easy to find, so the list below gives a summary of both well-publicized and the more hidden credits that you can use to lower your rates.
- Telematics Devices – Policyholders that allow their insurance company to analyze vehicle usage by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as the data is positive.
- Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
- Government Employee Discount – Simply working for the federal government may reduce rates when you quote auto insurance for GS F insurance with select insurance companies.
- Discount for New Cars – Buying a new car instead of a used car can get you a discount because new vehicles are generally safer.
- Passive Restraints and Air Bags – Factory options such as air bags could see savings of more than 20%.
- Discount for Swiching Early – Some insurance coverage companies provide a discount for switching companies prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
- Multi-Vehicle Discounts – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
As is typical with insurance, some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it’s just not the way it works. Any qualifying discounts should help reduce the amount you have to pay.
Companies that may have these discounts include:
It’s a good idea to ask all companies you are considering to apply every possible discount. Some discounts listed above may not apply to policyholders in your area. To locate insurers that offer discounts, click here.
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What is the best auto insurance coverage?
When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.
- I don’t drive much so do I pay less?
- Do I need more liability coverage?
- Is my 2018 Lexus GS F covered for smoke damage?
- Can I drive in Mexico and have coverage?
- Do all my vehicles need collision coverage?
- When can I cancel my policy?
- Are my friends covered when driving my 2018 Lexus GS F?
- How high should my uninsured/underinsured coverage be in my state?
- Which is better, split liability limits or combined limits?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Auto insurance coverages 101
Having a good grasp of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Liability car insurance – Liability insurance can cover damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for 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. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for claims like bail bonds, legal defense fees, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.
Medical costs insurance – Med pay and PIP coverage pay for bills for things like rehabilitation expenses, ambulance fees and pain medications. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible
UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Because many people 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 should not be overlooked.
Collision coverage – This covers damage to your GS F resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as hitting a parking meter, driving through your garage door, rolling your car, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Rates by U.S. City
|New York City, NY||$3,072|
|Los Angeles, CA||$3,327|
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||$159|
|5-yr Claim Free||$130|
|Paid in Full/EFT||$100|
Discounts are estimated and may not be available from every company or in every state.