Lexus GS 350 Insurance Quotes in Riverside

Insurance rates Lexus GS 350 in RiversideIf you want to save the most money, the best way to get cheaper car insurance rates in Riverside is to compare prices at least once a year from insurance carriers who sell insurance in California.

First, try to understand car insurance and the measures you can take to prevent high rates. Many risk factors that result in higher rates like traffic violations, accidents, and your credit history can be eliminated by making minor driving habit or lifestyle changes.

Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple sources. View rates

Third, compare the quotes to the premium of your current policy to see if you can save by switching companies. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, tell your current company to cancel the current policy. Submit a down payment and signed policy application to your new carrier. Once the paperwork is finalized, keep the new certificate verifying proof of insurance with your registration paperwork.

A key point to remember is to make sure you enter the same deductibles and limits on each quote request and and to compare as many carriers as you can. This ensures a level playing field and a complete price analysis.

It’s a known fact that car insurance companies want to prevent you from shopping around. Insureds who shop for lower prices will most likely move their business because there is a high probability of finding more affordable rates. A recent insurance study discovered that people who did price comparisons regularly saved as much as $850 each year compared to people who don’t make a habit of comparing rates.

If finding low prices for auto insurance in Riverside is your ultimate objective, then having some insight into the best way to quote and compare auto insurance can make it easier to shop your coverage around.

The intent of this article is to tell you how car insurance companies work and how to save the most money. If you have coverage now, you will be able to find the best rates using the ideas covered in this article. Vehicle owners just have to learn how to shop their coverage around online.

Learn How to Lower Your Insurance Costs

Part of the insurance buying process is learning the different types of things that play a part in calculating your insurance rates. When consumers understand what determines base rates, this helps enable you to make changes that could result in big savings.

The items below are a few of the things used by companies to determine premiums.

The quickest way to get policy rate comparisons for Lexus GS 350 insurance in Riverside is to know most of the bigger providers pay for the opportunity to give rate comparisons. All you need to do is provide the companies a bit of rating information such as if your license is active, which vehicles you own, if you’re married, and if the car is leased. That rating information is sent automatically to insurance companies and you will receive price estimates within a short period of time.

To find lower cheaper Lexus GS 350 insurance rates now, click here and enter your zip code.

The companies shown below have been selected to offer price comparisons in California. If multiple providers are shown, we recommend you compare several of them to get the best price comparison.

Lexus GS 350 insurance coverage information

The premium table below outlines estimates of coverage costs for Lexus GS 350 models. Learning how policy rates are established can be useful when making decisions on which insurance to purchase.


Lexus GS 350 Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $412 $882 $488 $28 $146 $1,956 $163
GS 350 AWD $454 $998 $488 $28 $146 $2,114 $176
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in specific zip code location which can alter coverage prices significantly.

Comparison of policy deductibles

One of the more difficult decisions when buying car insurance is which deductibles should you choose. The comparison tables below may help to illustrate the rate differences between low and high coverage deductibles. The first table uses a $250 physical damage coverage deductible and the second price table uses a $500 deductible.


Lexus GS 350 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $430 $780 $376 $22 $112 $1,745 $145
GS 350 AWD $474 $882 $376 $22 $112 $1,891 $158
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Lexus GS 350 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $348 $630 $376 $22 $112 $1,488 $124
GS 350 AWD $384 $712 $376 $22 $112 $1,606 $134
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle location which can influence premiums considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $23 more each month or $276 for a full year than requesting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 11 months between claims, you would save money by selecting a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $152
Average monthly premium for $500 deductibles (subtract): – $129
Monthly savings from raising deductible: $23
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

The diagram below shows how choosing a deductible and can increase or decrease Lexus GS 350 insurance costs for different categories of driver ages. The data is based on a single female driver, comp and collision included, and no other discounts are factored in.

Drive responsibly or pay higher rates

The information below shows how violations and at-fault accidents can affect Lexus GS 350 insurance rates for different categories of driver ages. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Three good reasons to insure your GS 350

Even though it’s not necessarily cheap to insure a Lexus in Riverside, auto insurance is a good idea for several reasons.

The benefits of having auto insurance definitely exceed the cost, especially for larger claims. The average driver in America is overpaying over $865 each year so we recommend shopping around once a year at a minimum to help ensure money is not being wasted.

Earn discounts on Riverside insurance

Car insurance companies don’t necessarily list the entire discount list in an easy-to-find place, so the following list contains both well-publicized and the more hidden credits that may apply to you.Insurance discounts

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

The information below shows the comparison of Lexus GS 350 auto insurance costs with and without discounts. The price estimates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, multi-policy, and claim-free discounts applied.

Large insurance companies and a selection of discounts are shown below.

Before purchasing a policy, check with every prospective company what discounts are available to you. Some of the discounts discussed earlier may not apply to policies everywhere. For a list of insurance companies that offer multiple discounts in California, follow this link.

Buying from car insurance agents

Many people just prefer to buy from a local agent and that is just fine! Insurance agents are trained risk managers and help you file claims. One of the benefits of comparing insurance online is you can get the best rates and still have a local agent. And providing support for neighborhood insurance agencies is important especially in Riverside.

Riverside insurance agentsTo find an agent, once you fill out this simple form, your coverage information is sent to participating agents in Riverside who can give free rate quotes for your business. You won’t even need to visit any agencies because prices are sent to you. If you have a need to get a comparison quote from a specific insurance provider, you would need to go to their quote page and give them your coverage information.

If you want a reliable insurance agency, you need to know there are two types of agencies that differ in how they can insure your vehicles. Insurance agents in Riverside are classified as either independent agents or exclusive agents. Either one can sell and service insurance coverage, but it is a good idea to know the subtle differences since it may influence which agent you choose.

Independent Insurance Agencies

Agents of this type are not required to write business for one company and that gives them the ability to insure with any number of different companies and get you the best rates possible. If they find a cheaper price, your policy is moved internally and you don’t have to switch agencies. When comparing insurance prices, it’s a good idea to get rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most also have access to smaller mutual companies that may provide cheaper insurance rates.

Featured below is a list of independent agents in Riverside that may be able to give you pricing information.

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Exclusive Insurance Agencies

Agents of this type can only provide one company’s prices such as Farmers Insurance, American Family, State Farm and Allstate. They generally cannot give you multiple price quotes so you might not find the best rates. Exclusive insurance agents are highly trained on their products and sales techniques and that allows them to sell at a higher price point. Some people will only buy insurance from these agents mainly due to the prominence of the brand and strong financial ratings.

Listed below are exclusive agents in Riverside that are able to give price quotes.

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Choosing the best car insurance agent requires you to look at more than just a cheap price quote. Any agent in Riverside should have no problem answering these questions:

More quotes mean more insurance savings

Insureds switch companies for a variety of reasons including lack of trust in their agent, poor customer service, being labeled a high risk driver or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is easier than you think.

We just showed you some good ideas how you can get a better price on Lexus GS 350 insurance in Riverside. It’s most important to understand that the more times you quote, the higher your chance of finding the cheapest Lexus GS 350 rate quotes. You may even be surprised to find that the most savings is with a small mutual company.

Low-cost Lexus GS 350 insurance in Riverside can be purchased from both online companies in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not have rates over the internet and these smaller companies work with independent insurance agencies.

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