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Lexus GS 400 Insurance Rates

There are many options when trying to insure your Lexus vehicle. You can buy direct from a local agent or price shop online to compare pricing from insurance carriers. Shopping for car insurance by getting online quotes is simple to do and there is a good chance you might just save a little.

Comparing car insurance rates direct online can be a challenge if you have never used online rate quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The quickest method to find the lowest Lexus GS 400 insurance quotes consists of shopping online. This can be accomplished by visiting this page.

Auto insurance rates on a Lexus GS 400 will vary greatly subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Extra coverages like towing and rental
  • What you do for a living
  • The amount of protection requested
  • Whether you own your home

A final factor that will help determine Lexus GS 400 insurance rates is the model year. Older cars and trucks cost less in comparison to older models so the cost to replace them can decrease annual premiums. But more recent Lexus vehicles may have a trim level with safety features including a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system so those may provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your GS 400 below.

Liability

Lexus GS 400 liability coverage will cover damage that occurs to people or other property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Lexus resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Lexus GS 400 can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your Lexus GS 400 comprehensive insurance. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.

How Much are Lexus GS 400 Insurance Rates?