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Lexus GX 470 Insurance Rates

Buying auto insurance by quoting online can be fast and easy, plus you can save money. The most important part is to take the time to get as many rate quotes as possible in order to accurately compare all your choices.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies offering insurance. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Rates are impacted by...

Car insurance premiums for a Lexus GX 470 can vary widely depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Credit rating
  • Where you live
  • How many miles you drive
  • Men typically pay more than women
  • The deductible you choose
  • Crash test rating for your GX 470
  • Your claim history
  • Having continuous coverage saves you money
  • Home ownership saves money

An additional factor that helps determine Lexus GX 470 insurance rates is the year of the vehicle. Models that are new cost more than older models so the cost to replace them can inflate annual premiums. Although more recent Lexus vehicles may have safety features included like adaptive headlights, anti-lock brakes, traction control, and a telematics system which can help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverages

This coverage will cover damage or injury you incur to other people or property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your Lexus caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. Lexus GX 470 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper Lexus GX 470 insurance rates.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.

How Much are Lexus GX 470 Insurance Rates?