Trying to find the cheapest insurance for your Lexus GX 460 in California could be a painful process, but you can learn a few tricks to make it easier.
There are more efficient ways to find auto insurance online and you need to know the absolute fastest way to price shop coverage for a new or used Lexus and find the lowest price from both online companies and Sacramento agents.
A recent survey discovered that a large majority of auto insurance policyholders in California have bought auto insurance from the same company for four years or more, and nearly 40% of drivers have never compared rates from other carriers. U.S. insurance shoppers can save nearly $850 each year by just comparing quotes, but they assume it’s a waste of time to compare rates online.
It is always a good idea to compare rates before your next renewal because auto insurance prices go up and down regularly. Even if you got the best rates on Lexus GX 460 insurance in Sacramento a couple years back a different company probably has better rate quotes today. Don’t believe everything you read about GX 460 insurance online, but in just a couple of minutes you can learn the best ways to lower your auto insurance bill.
If you are insured now or just want cheaper rates, you can use this information to lower your rates while maximizing coverage. Shopping for more affordable auto insurance policy in Sacramento is simple if you know the tricks. Comparison shoppers just need to use the proper methods to shop their coverage around from many different companies online.
The companies shown below offer free rate quotes in California. To buy cheaper auto insurance in California, we recommend you compare several of them in order to get a fair rate comparison.
Rate information and statistics
The coverage table shown below outlines different insurance costs for Lexus GX 460 models. Being able to understand how auto insurance policy rates are determined is important for making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GX 460 4WD 4-Dr | $300 | $648 | $500 | $30 | $150 | $1,628 | $136 |
| GX 460 Premium 4WD 4-Dr | $330 | $648 | $500 | $30 | $150 | $1,658 | $138 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in your specific Sacramento location which can increase or decrease prices considerably.
Policy deductibles
When buying car insurance, a common question is the level to set your comp and collision deductibles. The following tables highlight the differences in premium rates between high and low comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GX 460 4WD 4-Dr | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| GX 460 Premium 4WD 4-Dr | $474 | $780 | $442 | $26 | $132 | $1,879 | $157 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GX 460 4WD 4-Dr | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| GX 460 Premium 4WD 4-Dr | $292 | $490 | $442 | $26 | $132 | $1,382 | $115 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can alter rates considerably.
Based on this data, using a $250 deductible costs about $41 more each month or $492 a year than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 18 months between claims, you would probably be better off if you elect the higher deductible.
The diagram below demonstrates how deductible levels and can change Lexus GX 460 annual premium costs for different insured age categories. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Car insurance quotes from neighborhood Sacramento auto insurance agents
Some people just want to go talk to an agent and that is not a bad decision Licensed agents can help determine the best coverages and help file insurance claims. One of the benefits of getting online price quotes is that you can obtain cheap car insurance quotes and still have an agent to talk to. Supporting local insurance agents is important especially in Sacramento.
To help locate an agent, after submitting this form (opens in new window), the coverage information is transmitted to local insurance agents in Sacramento that give free quotes to get your business. You never need to drive around because quoted prices will be sent to you directly. If you wish to get a comparison quote for a specific company, you can always find their quoting web page to submit a rate quote request.
Sacramento car insurance agents come in two flavors
If you want to buy car insurance from a reliable agent, there are two different types of agents from which to choose. Insurance agencies in Sacramento are considered either exclusive or independent. Both provide car insurance policies, but it is a good idea to know the differences since it may influence your agent selection.
Independent Agents
Independent insurance agents are not locked into one company and that is an advantage because they can write policies with many different companies and get you the best rates possible. If your agent finds better pricing, they can switch companies in-house and you don’t have to do anything.
When comparison shopping, you will want to get rate quotes from at a minimum one independent agency in order to compare the most rates. Many can place coverage with mutual insurance companies which can be an advantage.
Listed below are independent insurance agents in Sacramento that can give you pricing information.
- Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548 – View Map - Leland Insurance Agency
910 Florin Rd # 108 – Sacramento, CA 95831 – (916) 428-1309 – View Map - Pan American Underwriters
1610 Arden Way # 121 – Sacramento, CA 95815 – (916) 286-5960 – View Map
Exclusive Insurance Agents
Exclusive agencies have only one company to place business with and examples are State Farm or Allstate. Exclusive agencies are unable to compare other company’s rates so they have no alternatives for high prices. They are usually well trained on their products and sales techniques which helps them sell on service rather than price. Drivers often purchase coverage from exclusives primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
The following is a list of exclusive insurance agents in Sacramento willing to provide rate quotes.
- Sig Lindley – State Farm Insurance Agent
8110 Pocket Rd #201 – Sacramento, CA 95831 – (916) 428-7370 – View Map - Jordan Backhaus – State Farm Insurance Agent
4315 Elkhorn Blvd Ste B – Sacramento, CA 95842 – (916) 331-1135 – View Map - Rich Williams – State Farm Insurance Agent
1001 26th St – Sacramento, CA 95816 – (916) 447-8560 – View Map
Finding the right insurance agency should include more criteria than just the bottom line cost. These are some valid questions you should ask.
- What are the financial ratings for the companies they represent?
- How does the company pay claims for a total loss?
- Do they specialize in personal lines auto insurance in Sacramento?
- Can they provide you with a list of referrals?
- Does the agency have a positive business rating?
California car insurance companies
Choosing a highly-rated insurance company can be challenging considering how many different insurance companies sell coverage in Sacramento. The information displayed below can help you analyze which companies to look at when comparing rate quotes.
Top 10 Sacramento Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Sacramento Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford