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Lexus GS 400 Insurance Rates

You have lots of choices when insurance shopping for your Lexus vehicle. You can get prices from your neighborhood insurance agent or go online to compare pricing from multiple companies. Comparing auto insurance online can be fast and easy and at the same time you will probably save money.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites competing for your business. Cutting your Lexus GS 400 insurance cost is not rocket science. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. This can be done by visiting this page.

Which factors influence your insurance rates?

Insurance rates for your Lexus GS 400 can vary widely depending on several factors. Taken into consideration are:

  • Higher performance GS 400 vehicles cost more
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

One last important factor that can impact the rate you pay on your Lexus is the year of manufacture. A newer vehicle have a higher value so the cost to replace them can inflate annual premiums. But newer models may have options including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can 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 from available model years below.

Liability coverage - This coverage protects you from damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision - This coverage pays for damage to your Lexus resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - This gives you protection when the "other guys" do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.

How Much are Lexus GS 400 Insurance Rates?