Lexus GS 350 Insurance Quotes in Sacramento

It’s an obvious assumption that car insurance companies want to prevent you from shopping around. Insureds who get price quotes annually will most likely buy a new policy because there are good odds of finding a lower-cost company. A recent survey discovered that drivers who routinely compared rates saved an average of $3,400 over four years compared to people who never shopped around.

If finding the cheapest price on insurance in Sacramento is your ultimate goal, knowing how to find and compare insurance premiums can make it easier to shop your coverage around.

The best way to get more affordable Lexus GS 350 insurance is to start comparing prices yearly from providers who sell auto insurance in Sacramento.

1. Read and learn about the different coverages in a policy and the things you can change to prevent rate increases. Many risk factors that are responsible for high rates like careless driving and an unfavorable credit rating can be remedied by making minor driving habit or lifestyle changes.
2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
3. Compare the new rate quotes to your current policy and see if there is a cheaper rate. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Tell your current company of your intent to cancel your current policy. Submit payment and a completed application to the newly selected company. As soon as you can, place your new proof of insurance certificate in an easily accessible location.

One thing to point out is to try to use identical coverages on each price quote and and to analyze as many car insurance companies as possible. Doing this helps ensure a fair rate comparison and the most accurate and complete price analysis.

Locating the most cost-effective car insurance policy in Sacramento is actually not that difficult if you follow our advice. If you are already insured or are looking for a new policy, use these techniques to find the best rates without reducing coverage. Consumers just need to learn the best way to shop for car insurance from many companies at once.

Car insurance providers offering low-cost prices in California

The companies shown below are our best choices to provide comparison quotes in Sacramento, CA. If your goal is to find the cheapest auto insurance in Sacramento, CA, we suggest you compare several of them to get the most affordable price.

Lexus GS 350 detailed coverage information

The rate information displayed below highlights estimates of insurance rates for Lexus GS 350 models. Having knowledge of how insurance premiums are formulated can help customers make smart choices when comparing insurance rates.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in zip code location which can modify premium rates greatly.

Choosing deductibles

A question often asked by Sacramento drivers is which deductibles should you choose. The premium rates below can help you visualize how much more you’ll pay of buying low and high deductibles. The first rate estimation uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase rates substantially.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $59 more each month or $708 for a full year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 15 months between claims, you would probably be better off if you opt for a higher deductible.

The example below illustrates how your choice of deductibles and can affect Lexus GS 350 insurance premiums for different categories of driver ages. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Accidents and violations increase rates

The example below demonstrates how speeding tickets and at-fault claims can raise Lexus GS 350 auto insurance rates for different age groups of insureds. The data is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Male drivers versus female drivers

The chart below compares Lexus GS 350 auto insurance rates for male and female drivers. The data is based on no claims or driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no policy discounts are applied.

Comparison of full coverage and liability-only policies

The information below illustrates the comparison of Lexus GS 350 insurance premiums with full coverage and liability only. The information is based on no claims or violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.

When to stop buying full coverage

There is no set rule of when to exclude full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your Lexus GS 350 settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying the physical damage deductible. If you are currently paying more than $500 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some situations where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.

Get affordable Lexus GS 350 insurance in Sacramento with discounts

Companies offering auto insurance do not advertise every possible discount in an easy-to-find place, so the list below contains a few of the more well known and also the more inconspicuous credits that may apply to you. If you do not double check each discount you deserve, you are not getting the best rate possible.

• Club Memberships – Joining a qualifying organization can get you a small discount on your policy.
• Air Bags and Passive Restraints – Factory air bags or automatic seat belts can get savings of 25 to 30%.
• Discount for Home Ownership – Just owning your own home can help you save on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• Telematics Data Discounts – Drivers who elect to allow driving data submission to scrutinize driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
• Multi-line Discount – Some companies give a small discount if you purchase a life insurance policy as well.
• Safe Drivers – Drivers without accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.

As a sidenote, many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

The information below compares Lexus GS 350 auto insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, homeowner, claim-free, and multi-policy discounts applied.

Larger car insurance companies and a selection of discounts are shown below.

• Progressive has discounts for continuous coverage, homeowner, online signing, multi-policy, multi-vehicle, and good student.
• The Hartford includes discounts for good student, defensive driver, air bag, bundle, driver training, and vehicle fuel type.
• Mercury Insurance may include discounts for ease of repair, type of vehicle, accident-free, multi-car, annual mileage, age of vehicle, and low natural disaster claims.
• GEICO discounts include emergency military deployment, five-year accident-free, federal employee, good student, multi-policy, driver training, and anti-lock brakes.
• AAA offers premium reductions for multi-policy, education and occupation, anti-theft, pay-in-full, good student, and good driver.
• State Farm policyholders can earn discounts including passive restraint, good student, Steer Clear safe driver discount, safe vehicle, and student away at school.

Before purchasing a policy, check with every company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in every state. To find companies with discount car insurance rates in Sacramento, click here.

Buying from insurance agencies

A small number of people just prefer to go talk to an agent and there is nothing wrong with that. Professional agents can help you build your policy and help you file claims. One of the great benefits of price shopping on the web is the fact that drivers can get lower rates but still work with a licensed agent.

After completing this form (opens in new window), your insurance data is transmitted to participating agents in Sacramento who want to provide quotes and help you find cheaper coverage. You won’t need to find an agent since price quotes are sent to you. If you wish to get a comparison quote from a specific company, you would need to find their quoting web page to submit a rate quote request.

Finding the right insurance company should depend on more than just the price. Agents should be asked these questions:

• Do the companies they represent have a solid financial rating?
• Can glass claims be handled at your home?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Which companies do they recommend if they are an independent agency?
• Do you need full coverage on every vehicle?

If you need to find a reputable agency, it can be helpful to understand the different agency structures and how they are distinctly different. Sacramento agents are either exclusive or independent (non-exclusive). Either one can do a good job, but we need to point out the differences since it can impact your selection of an agent.

Exclusive Car Insurance Agents

These type of agents are contracted to one company and examples are State Farm, AAA, and Liberty Mutual. They are unable to compare rates from other companies so always compare other rates. Exclusive agents are well trained on their products and sales techniques and that allows them to sell at a higher price point.

Shown below are Sacramento exclusive insurance agents who can help you get price quotes.

More Sacramento agents

Independent Insurance Agents

Agents of this type are not restricted to one company so they can write business amongst many companies and find you cheaper rates. If prices rise, your policy is moved internally and you stay with the same agent.

If you are trying to find cheaper rates, you need to include price quotes from several independent insurance agents to have the most options to choose from.

The following are independent insurance agents in Sacramento willing to provide price quotes.

More Sacramento agents

California auto insurance company ratings

Buying coverage from the best company can be rather challenging considering how many different companies there are to choose from in California. The company information in the lists below may help you analyze which providers to look at purchasing coverage from.

Top 10 Sacramento Car Insurance Companies Ranked by Claims Service

1. AAA of Southern California
2. State Farm
3. Esurance
4. AAA Insurance
5. Progressive
6. Liberty Mutual
7. GEICO
8. Allstate
9. Titan Insurance
10. The Hartford

Car insurance specifics

Having a good grasp of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Lexus GS 350.

Since many California drivers only purchase the least amount of liability that is required (California limits are 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail, driving through your garage door, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible on your GS 350 to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like ambulance fees, hospital visits, chiropractic care, nursing services and prosthetic devices. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance provides protection from damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/5 that translate to a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property.

Liability insurance covers claims like repair costs for stationary objects, attorney fees, funeral expenses and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but you should think about purchasing higher limits.

The next chart shows why low liability limits may not be adequate.

Don’t give up on cheaper premiums

A few companies may not offer internet price quotes and usually these smaller providers only sell through local independent agents. Cheaper Lexus GS 350 insurance in Sacramento is attainable from both online companies and from local agencies, and you should compare rates from both in order to have the best chance of saving money.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an insured dropped collision coverage and found out when filing a claim that it was a big mistake. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Other learning opportunities

• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• Who Has Cheap Sacramento Auto Insurance for Low Income Drivers? (FAQ)
• What Insurance is Cheapest for a 20 Year Old Male in Sacramento? (FAQ)
• What Insurance is Cheapest with Multiple Speeding Tickets in Sacramento? (FAQ)
• How Much are Sacramento Car Insurance Quotes for a Toyota Camry? (FAQ)
• How Much is Sacramento Auto Insurance for a Chevrolet Malibu? (FAQ)
• Frontal Crash Tests (iihs.org)
• Think You’re a Safe Driver? (State Farm)