View 1996 Lexus LS 400 Insurance Quotes

Do you get exhausted from not being able to afford to insure your Lexus every month? Your situation is no different than many other people. Because there are so many companies to choose from, it can be hard to locate the lowest price car insurance company.

It’s smart to compare prices before your policy renews because insurance prices change regularly. Just because you found the best price for LS 400 insurance a couple years back the chances are good that you can find a lower rate today. You can search a lot of car insurance on the web, but in just a couple of minutes you can learn some great ideas on how to find affordable car insurance.

Choosing the best insurance company for you is not rocket science. If you have insurance now or are just looking to switch companies, you can use these tips to get lower rates and still get good coverage. Drivers just need to understand the most efficient way to compare rates online.

The cheapest auto insurance quotes online

Getting more affordable 1996 Lexus LS 400 auto insurance pricing isn’t really that difficult. Just invest a few minutes getting comparison quotes online from several insurance companies. Shoppers can get rates by following the guidelines below.

Probably the best way to get quotes for comparison is to use a rate comparison form click to view form in new window. This quick form eliminates the need for multiple quote forms for every prospective company. Taking the time to complete one form will return price quotes from auto insurance companies with the best prices.

A more difficult way to analyze rates requires visiting the website for every company you want to comare and fill out a new quote form. For sake of this example, let’s assume you need rates from Farmers, Allstate and State Farm. To do that, you would have to take the time to go to each site and enter your information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The final way to quote and compare insurance rates is actually driving to different agent offices. The fact that you can get quotes online eliminates the need for an insurance agent unless you have a complicated situation and need the professional advice that only an agent can give. Some companies do allow you to comparison shop your insurance online and have a local agent actually service the policy.

Whichever method you choose, double check that you are using the same deductibles and coverage limits with each company. If each company quotes different liability limits it’s not possible to make a fair rate comparison.

Do I need special coverages?

When choosing adequate coverage, there is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out whether or not you might need an agent’s assistance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered by my spouse’s policy after a separation?
  • Is my babysitter covered when using my vehicle?
  • Should I carry comprehensive and collision coverage?
  • What discounts do I qualify for?
  • Is a fancy paint job covered?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I have newly-aquired coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Specific coverages for a Lexus LS 400

Having a good grasp of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, damage from getting keyed, rock chips in glass, fire damage and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage covers damage to your LS 400 resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, damaging your car on a curb, crashing into a building, hitting a mailbox and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, bail bonds, repair costs for stationary objects, attorney fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like pain medications, surgery, doctor visits, X-ray expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage