1997 Lexus LS 400 Insurance Quotes – 9 Ways to Save

Trying to find the cheapest auto insurance rates for your Lexus LS 400? Are you tired of robbing Peter to pay Paul to insure your Lexus every month? You’re in the same situation as many other drivers.

Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the definite lowest price

How to Get Car Insurance Comparison Quotes

All the larger car insurance companies like Geico, State Farm and Progressive provide coverage prices on the web. The process doesn’t take much effort as you just type in your personal and coverage information as requested by the quote form. After you complete the form, their system pulls reports for credit and driving violations and quotes a price. This streamlines rate comparisons, but the time required to go to multiple sites and enter the same data into a form can be a bit repetitive. But it’s very important to perform this step in order to get the lowest possible prices on car insurance.

Compare rates the easy way

A less time-consuming method to compare rates is to use a quote form to return rates from many companies. The form is fast, eliminates form submissions, and makes price shopping online much simpler. After your information is entered, it gets priced and you can choose your choice of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process takes less than 15 minutes and you’ll know if lower rates are available.

In order to compare rates now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate your coverages identical to your current policy. This ensures you will have a rate comparison for exact coverage.

Lower rates by qualifying for these nine discounts

Companies that sell car insurance don’t necessarily list all available discounts very clearly, so here is a list both the well known and the more hidden savings tricks you should be using.

  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Homeowners Discount – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Resident Student – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount when shopping for insurance for LS 400 coverage.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Claim Free – Good drivers with no accidents pay much less when compared to bad drivers.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
  • Sign Online – A few companies will give a small break just for signing your application on their website.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

For a list of companies who offer insurance discounts, click here.

Car insurance is unique, just like you

When it comes to buying adequate coverage, there really is not a one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need roadside assistance coverage?
  • Does coverage extend to my business vehicle?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Auto insurance coverage options for a Lexus LS 400

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, damage from flooding, hitting a bird and hail damage. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, scraping a guard rail, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as chiropractic care, prosthetic devices, funeral costs, surgery and nursing services. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1997 Lexus LS 400.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability auto insurance – This will cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, funeral expenses, attorney fees, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

A penny saved is a penny earned

Affordable 1997 Lexus LS 400 insurance is definitely available on the web as well as from independent agents, so compare prices from both in order to have the best chance of saving money. A few companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

In this article, we presented some good ideas how to compare insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

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