How to Compare Phoenix Lexus GS 350 Insurance

Insurance quote for Lexus GS 350 in PhoenixWant to learn how to save money and find low-cost Lexus GS 350 insurance in Phoenix? Finding low-cost insurance for a new or used Lexus GS 350 in Arizona can normally be a painful process, but you can use a few tricks and make it easy.

There is a better way to compare auto insurance rates and we’ll show you the proper way to compare rates for a new or used Lexus and locate the best price possible from Phoenix insurance agents and online providers.

It’s a good habit to get comparison quotes on a regular basis due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest premium rates on Lexus GS 350 insurance in Phoenix a couple years back you can probably find a better price now. Ignore everything you know about auto insurance because you’re about to find out the fastest way to find the best coverage while lowering your premiums.

Car insurance discounts are available for cheaper rates

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to help bring down the price. A few discounts will be applied when you get a quote, but lesser-known reductions have to be specially asked for prior to getting the savings.Car insurance discounts

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business. But any discount should help reduce your policy cost.

Car insurance companies who might offer most of the discounts above include:

Double check with all companies you are considering to apply every possible discount. All car insurance discounts might not be offered on policies everywhere. To see insurance companies offering car insurance discounts in Phoenix, follow this link.

The companies in the list below can provide price comparisons in Phoenix, AZ. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.

Lexus GS 350 Insurance Costs in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $250 $546 $288 $18 $86 $1,188 $99
GS 350 AWD $194 $434 $308 $18 $92 $1,046 $87
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location information which can influence price quotes substantially.

Higher deductibles lower rates

The illustration below illustrates how your choice of deductibles and can increase or decrease Lexus GS 350 annual premium costs for different insured age categories. The data is based on a married female driver, comp and collision included, and no policy discounts are applied.

Gender differences in auto insurance premiums

The information below compares Lexus GS 350 premium costs for male and female drivers. The costs are based on no accidents, no driving violations, full coverage, $500 deductibles, single marital status, and no other discounts are factored in.

Auto insurance deductibles

One of the most common auto insurance questions is what deductibles to buy. The tables below may help you to understand the rate differences of buying low and high coverage deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

Lexus GS 350 insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $324 $632 $254 $16 $76 $1,327 $111
GS 350 AWD $358 $716 $254 $16 $76 $1,445 $120
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Lexus GS 350 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $236 $428 $254 $16 $76 $1,010 $84
GS 350 AWD $262 $484 $254 $16 $76 $1,092 $91
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can change coverage rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $28 more each month or $336 each year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 14 months between claim filings, you would probably save some money going with the higher deductible. The table below shows the way you can perform this determination yourself.

Average monthly premium for $100 deductibles: $116
Average monthly premium for $500 deductibles (subtract): – $88
Monthly savings from raising deductible: $28
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One big caveat is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you do file a claim. It will be required that you have some extra savings in order to pay the deductible.

When should I discuss my situation with an agent?

When it comes to choosing a policy for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are unique to you so this has to be addressed.Auto insurance savings
Here are some questions about coverages that can help discover if your situation could use an agent’s help.

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Can’t I get rate quotes from local Phoenix insurance agencies?

Certain consumers still prefer to buy from a local agent. Professional insurance agents will help you protect your assets and will help you if you have claims. One of the great benefits of price shopping on the web is you can get lower rates but also keep your business local. Supporting local insurance agencies is especially important in Phoenix.

Phoenix insurance agentsTo make it easy to find an agent, after completing this simple form, the quote information is submitted to insurance agents in Phoenix that can give you free Phoenix auto insurance quotes for your business. You never need to contact any insurance agencies because prices are sent to you instantly. If for some reason you want to get a comparison quote from a specific company, you can always visit that company’s website to submit a rate quote request.

Shown below are agents in Phoenix that may be willing to give rate quotes for Lexus GS 350 insurance in Phoenix.

View more Phoenix agents

Picking an company requires more thought than just a low price. Some important questions to ask are:

Don’t give up on cheaper rates

We just presented a lot of ways to save on Lexus GS 350 insurance in Phoenix. The key concept to understand is the more times you quote, the higher your chance of finding affordable Phoenix auto insurance quotes. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as Allstate and Progressive.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There have been many cases where someone dropped uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at a price you can afford, but do not skimp to save money.

For more information, take a look at the resources below: