Lexus GS-300 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 1, 2023
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How much does insurance cost for a Lexus GS 300? Average Lexus GS 300 insurance rates are $123 per month or $1,474 annually. Many factors are used to help calculate your Lexus GS insurance costs.
For example, the 2000 Lexus GS 300 price for insurance will be lower than the 2003 Lexus GS 300, which will also be lower than a 2007 Lexus GS 350 insurance cost.
Read our comprehensive guide to better understand how the Lexus GS insurance costs are calculated, and how you can secure cheap car insurance rates.
Immediately find savings for your Lexus G 300 insurance by entering your ZIP code into our FREE quote comparison tool. You’ll get affordable car insurance quotes from top auto insurance companies.
Buying auto insurance through online rate quotes can be fast and easy and at the same time you might just save a little. The most important part is getting as many rate quotes as possible in order to have the lowest rate quotes.
If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of auto insurance companies vying for your business. Reducing your Lexus GS-300 insurance rates can be surprisingly simple. You just need to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be accomplished by comparing rates here.
Auto insurance rates for a Lexus GS-300 can be significantly different depending on several factors. Taken into consideration are:
- Higher performance GS-300 vehicles cost more
- How many accidents you have had
- Multiple policies can save money
- Use of your vehicle
- Your birth date
- Whether you are married
- Special coverage such as replacement cost
- Claims drive up premiums
- Having continuous coverage saves you money
- Whether you rent or own your home
A final factor that helps determine Lexus GS-300 insurance cost is the model year. Older models have a reduced actual cash value in comparison to older models so repair costs tend to be lower which may result in lower rates. Although newer vehicles may have a trim level with safety features included like adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance that may help lower rates.
Auto liability
damages or injuries you inflict on things such as emergency aid, pain and suffering, and medical services. .
Auto collision coverage
an object or car. . , . .
Comprehensive insurance
that is not covered by collision coverage. . you can receive from a comprehensive claim , .
Coverage for uninsured or underinsured drivers
This . , . .
Medical payments and PIP coverage
expenses doctor visits, EMT expenses, and X-ray expenses. . .
We’ve talked all about Lexus car insurance costs. It’s time to score better than average insurance for the Lexus GS 350 by using our FREE quote comparison tool below.
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What are the safety ratings for the Lexus GS 300?
The cheapest Lexus to insure will be safe and reliable. Therefore, looking at the Lexus GS 300 safety ratings is a great way to find out what discounts you qualify for, and what may be costing you more money.
Check out the safety ratings below.
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
The rating of Good is the highest possible score given by the Insurance Institute for Highway Safety. You’ll see some savings on car insurance for your Lexus GS 300 thanks to these stellar safety ratings.
For those wondering is Lexus discontinuing the GS, the answer is yes. After 2020, the model will no longer be updated. Remember, when answering the question of how much does insurance cost for a Lexus, insurance companies also factor in the cost of maintenance.
Because this is a luxury line of vehicles that is soon to be discontinued, expect your rates to slightly increase.
Lexus GS 300 Compared Against other Vehicles in the Same Class
Officially, the Insurance Institute for Highway Safety classifies the Lexus GS 300 as a large luxury vehicle.
Comparing the Lexus GS 300 to similar vehicles can help you save money, especially if the Lexus GS 300 has a better loss ratio than other midsize sedans.
Asking simply are Nissans more expensive to insure than Lexus’s can be misleading because each company features so many different car-types. Similarly, asking is insurance expensive on a Chrysler 300 compared to this Lexus model is also misleading because they are not in the same vehicle class.
You’ll run into the same issue if you compare Lexus GS F insurance rates to Lexus ES insurance costs. Insurance cost for a Lexus RX 350 will also be different because it is a midsize SUV, not a large luxury four-door sedan like the GS 300.
Check out actually comparable vehicles below.
This car type has substantially worse than average collision and comprehensive insurance loss ratios at 235 percent and 156 percent respectively. As a result, you’ll definitely see some rate increases.
When it comes to Lexus vs Toyota insurance costs, remember that Lexus is a luxury line. Oppositely, Toyota’s generic line is focused on economy vehicles.
Is a Lexus more expensive to insure than other luxury brands? Fortunately, not always. You can secure competitive rates for this type of car.
Keep in mind that the Lexus GS 350 maintenance cost will likely be expensive, but only you can say which is better, the Lexus IS or GS.
It’s time to stop asking is insurance higher on a Lexus and start comparison shopping for affordable rates. Enter your five-digit ZIP code into our FREE quote comparison tool to get the best Lexus GS 300 insurance rates.
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