How many times have you said it’s time to compare more competitive Lexus GS 350 insurance in Austin? Finding the cheapest insurance for a Lexus GS 350 in Texas can normally be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are more efficient ways to compare insurance rates and we’ll show you the proper way to price shop coverage for your Lexus and get the cheapest rates from both online companies and Austin agents.
Astonishng but true according to a recent study, the vast majority of consumers renewed their policy with the same company for at least the last four years, and almost 40% of drivers have never quoted rates to find cheaper coverage. Most drivers in Texas could save up to 70% every year just by getting comparison quotes, but they don’t believe the amount of savings they would get if they replace their high priced policy.
It is always a good idea to compare premium rates once or twice a year because prices trend upward over time. Despite the fact that you may have had the best deal on Lexus GS 350 insurance in Austin six months ago there is a good chance you can find better premium rates now. You can find a lot of misleading information regarding GS 350 insurance online but in just a couple of minutes you can learn the easiest ways to slash your insurance rates in Austin.
How to get free Lexus GS 350 insurance quotes online
The following companies are ready to provide price comparisons in Texas. If more than one company is shown, it’s a good idea that you visit two to three different companies to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 350 | $376 | $738 | $334 | $20 | $100 | $1,568 | $131 |
| GS 350 AWD | $452 | $936 | $438 | $26 | $130 | $1,982 | $165 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in specific zip code location which can change premium rates substantially.
Insurance rate increases from tickets or accidents
The example below demonstrates how traffic citations and at-fault collisions can impact Lexus GS 350 insurance rates for different age categories. Data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Comparison of policy deductibles
The chart below shows how choosing a deductible and can influence Lexus GS 350 insurance costs for each age group. The premiums are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Analysis of deductible levels
When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The rates below can help illustrate the rate difference when you choose different insurance deductibles. The first table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 350 | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| GS 350 AWD | $408 | $762 | $324 | $20 | $96 | $1,635 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 350 | $228 | $424 | $324 | $20 | $96 | $1,092 | $91 |
| GS 350 AWD | $252 | $478 | $324 | $20 | $96 | $1,170 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific location which can raise or lower rates noticeably.
We can derive from the above data that using a $250 deductible would cost the average driver about $36 more each month or $432 each year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 21 months between claims, you would more than likely save some money if you elect the higher deductible.
Which is the best car insurance?
When quoting and choosing insurance from an agent or online for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine whether or not you will benefit from professional help.
- When would I need rental car insurance?
- Will filing a claim cost me more?
- What if I don’t agree with a claim settlement offer?
- Are my tools covered if they get stolen from my vehicle?
- Who is covered by my policy?
- Does my insurance cover a custom paint job?
- What should my uninsured motorist coverage limits be in Texas?
- Am I covered by my spouse’s policy after a separation?
- Can I get by with minimal medical coverage if I have good health insurance?
- Why am I required to buy liability insurance?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.
Insurance agencies are professional risk managers
Some people would prefer to visit with an insurance agent and that is just fine! Experienced insurance agents can answer important questions and give you someone to call. One of the best bonuses of getting free rate quotes online is that you can find cheap car insurance quotes and also buy local.
To help locate an agent, after submitting this form (opens in new window), the coverage information is transmitted to local insurance agents who can give free rate quotes for your coverage. There is no reason to leave your house because prices are sent directly to your email. If you have a need to quote rates from a particular provider, you would need to navigate to their website and fill out their quote form.
Choosing an provider should depend on more than just a cheap price. These are some questions you should get answers to.
- Are there any discounts for paying up front?
- In the event of vehicle damage, can you pick the collision repair facility?
- Is the quote a firm price?
- Do they regularly work with personal auto policies in Austin?
- Will the agent or a CSR service your policy?
- Do they reduce claim amounts on high mileage vehicles?
Is an exclusive or independent car insurance agent right for you?
If you would like to find a good Austin insurance agent, you should know the different types of agencies and how they work. Car insurance agents in Austin are categorized either independent or exclusive depending on the company they work for. Either one can insure your vehicles, but we need to point out the difference between them since it may influence the type of agent you choose.
Exclusive Agents
These type of agents have only one company to place business with and some examples include Farmers Insurance or State Farm. They usually cannot provide other company’s prices so always compare other rates. Exclusive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Some insured continue to purchase coverage from exclusives mostly because of the brand instead of buying on price only.
Below are exclusive insurance agents in Austin that can give you price quotes.
- Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map - Dick Cohalla – State Farm Insurance Agent
10711 Burnet Rd #102 – Austin, TX 78758 – (512) 837-4210 – View Map - Tony Reyes – State Farm Insurance Agent
9811 S IH 35 Frontage Rd #120 – Austin, TX 78744 – (512) 851-2539 – View Map
Independent Agents
Agents of this type are not employed by any specific company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, your agent can just switch to a different company and you don’t have to find a new agent.
When comparing car insurance rates, you should always get some free quotes from several independent insurance agents so that you can do a thorough price comparison. They also have the ability to place coverage with companies you’ve never heard of that many times have cheaper rates.
Below are Austin independent insurance agents willing to provide rate quotes.
- Danback Insurance Agency
8312 Burnet Rd #115 – Austin, TX 78757 – (512) 454-4567 – View Map - Eckert Insurance Group
824 W 10th St – Austin, TX 78701 – (512) 472-6969 – View Map - Nationwide Insurance: James Gary Howe
3720 Far West Blvd #114 – Austin, TX 78731 – (512) 346-7645 – View Map
Once you have received satisfactory answers to all your questions in addition to an acceptable price estimate, you may have just found an insurance agent that can be trusted to properly insure your vehicles. Just remember it’s your policy and you can cancel a policy whenever you choose to so don’t assume you’re contractually obligated to the car insurance policy for the full policy term.