2000 Lexus GS 400 Car Insurance Quotes – 10 Tips to Save

Feel like you’re a prisoner to an overpriced auto insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse. Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates and get the definite cheapest price

The quickest method to compare insurance rates from multiple companies is to know the fact almost all companies will pay a fee to give rate comparisons. To get started, all you need to do is give the companies some data like if you have a valid license, the ages of drivers, if the vehicle is leased, and how you use your vehicles. Those rating factors is instantly sent to multiple different insurance companies and you get price estimates within a short period of time.

To compare multiple company rates now, click here and complete the form.

Will just any policy work for me?

When it comes to choosing coverage, there is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Is my trailer covered?
  • Does coverage extend to my business vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Are rental cars covered under my policy?
  • Am I covered when using my vehicle for business?
  • Is a fancy paint job covered?
  • Who is covered by my policy?

If you don’t know the answers to these questions but one or more may apply to you 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. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage options for a 2000 Lexus GS 400

Learning about specific coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This covers damage to your GS 400 resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, falling objects, damage from getting keyed, theft and hitting a deer. The highest amount your car 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 probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like chiropractic care, prosthetic devices, rehabilitation expenses, surgery and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, court costs, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.