Best Seattle Lexus GS 350 Insurance

Trying to find more competitive Lexus GS 350 insurance in Seattle? I can’t think of a single person who likes buying auto insurance, especially when their premiums are through the roof.

It’s amazing but most auto insurance buyers in Washington have remained with the same auto insurance company for well over three years, and nearly half have never compared rates from other carriers. Many drivers in the United States could save as much as $859 every year by just shopping around, but they mistakenly think it’s difficult to find cheaper auto insurance rates.

Companies like State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with ad campaigns and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you already have coverage, you will definitely be able to get lower rates using these techniques. Finding affordable coverage in Seattle can be made easier if you know where to look. But Washington vehicle owners do need to understand the way companies sell insurance online.

Where can I get affordable Seattle Lexus GS 350 insurance?

Keep in mind that getting more free quotes provides better odds of finding better pricing.

The companies in the list below are ready to provide quotes in Washington. If several companies are displayed, it’s a good idea that you visit several of them to get a more complete price comparison.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in your specific Seattle location which can alter premium rates substantially.

Raise deductibles and save

One common question asked by Seattle drivers is which comprehensive and collision deductibles to buy. The comparisons below show the price difference when you choose different insurance deductibles. The first set of rates uses a $250 deductible and the second set of prices uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in Seattle location which can modify coverage prices considerably.

Based on the above data, using a $250 deductible would cost the average driver about $16 more each month or $192 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 16 months between claims, you would more than likely save some money if you choose a higher deductible.

Get cheaper Lexus GS 350 insurance in Seattle with discounts

Car insurance is not inexpensive, but you might already qualify for some discounts to cut the cost considerably. Most are applied at the time of purchase, but a few must be requested specifically before they will apply.

• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can avoid accidents and will save you 10% or more on GS 350 insurance in Seattle.
• New Car Discount – Buying a new car instead of a used GS 350 can be considerably cheaper because new vehicles are generally safer.
• Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt could save 15% off the personal injury premium cost.
• Discount for Good Grades – Excelling in school can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save up to 5%.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

Larger car insurance companies and their possible discounts are outlined below.

• American Family may offer discounts for Steer into Savings, good student, bundled insurance, TimeAway discount, and air bags.
• Nationwide may have discounts that include easy pay, defensive driving, good student, business or organization, Farm Bureau membership, anti-theft, and accident-free.
• MetLife includes discounts for defensive driver, accident-free, good driver, multi-policy, good student, and claim-free.
• 21st Century has discounts for 55 and older, good student, driver training, automatic seat belts, and teen driver.
• Farmers Insurance offers discounts for teen driver, pay in full, good student, youthful driver, and multi-car.
• Allstate offers premium reductions for good payer, resident student, utility vehicle, new car, good student, and farm vehicle.

Before buying, ask all companies you are considering which credits you are entitled to. Discounts may not apply to policies in Seattle.

How Your GS 350 Insurance Costs are Determined

Part of the car insurance buying process is learning some of the factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that will entitle you to big savings.

Liability is peace of mind – A critical coverage on your policy, liability insurance will afford coverage when you are determined to be liable for damages from an accident. Liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.

Buy a safe car and pay less – Safer cars are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and lower injury rates means less money paid by your insurance company and thus lower rates. If your Lexus GS 350 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Where you reside factors in – Being located in less populated areas of the country has it’s advantages when insuring your vehicles. Fewer drivers on the road means reduced accidents and lower theft and vandalism rates. Drivers who live in large Washington cities regularly have much more traffic and more severe claims. Spending more time driving means higher likelihood of an accident.

Rental and towing coverage may not be needed – There are a lot of extra coverages that may not really be needed on your car insurance policy. Insurance for roadside assistance, towing coverage, and additional equipment coverage may be wasting your money. They may seem like a good idea when discussing your needs, but if you’ve never needed them in the past remove them from your policy.

Lexus GS 350 statistical loss data – Companies take into consideration insurance loss statistics for every vehicle when setting premium costs. Models that the data shows to have higher loss trends will have a higher cost to insure. The next table shows the loss history for Lexus GS 350 vehicles.

For each type of coverage, the claim probability for all vehicles, as an average, is a value of 100. Values under 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate more frequent losses or tendency to have larger claims.

Neighborhood agents and insurance

Certain consumers still like to buy from a licensed agent and we recommend doing that One of the great benefits of comparing insurance prices online is you can get the best rates and still have an agent to talk to.

For easy comparison, once you complete this quick form, your information is transmitted to local insurance agents in Seattle that can provide free Seattle car insurance quotes for your insurance coverage. You never need to drive around since rate quotes are delivered instantly to you. You’ll get the best rates and a licensed agent to talk to. If you have a need to get a price quote from a particular provider, you can always go to their quote page and fill out their quote form.

Choosing the best insurance company should depend on more than just the quoted price. Any agent in Seattle should be willing to answer these questions.

• Are you getting all the discounts the company offers?
• Do they have 24-hour customer assistance?
• Can glass claims be handled at your home?
• In the event of vehicle damage, can you pick the collision repair facility?
• Who are their largest clients?
• How are claims handled?
• Which insurance company do they prefer to write with?
• How are they compensated?

When searching for a local Seattle insurance agent, there are a couple of different agency structures and how they differ in how they can insure your vehicles. Insurance agents can be categorized as either independent (non-exclusive) or exclusive.

Exclusive Agencies

Exclusive agencies can only write with one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive agents are well trained on their company’s products which helps them sell insurance even at higher premiums.

The following is a short list of exclusive insurance agents in Seattle who can help you get rate quotes.

View more Seattle agents

Independent Agents (or Brokers)

These type of agents are not locked into one company so they have the ability to put coverage with lots of companies depending on which coverage is best. If prices rise, your agent can switch companies without you having to go to a different agency. When comparing rates, we recommend you get quotes from at least one independent agent to ensure the widest selection of prices.

The following are Seattle independent agencies that can give you rate quotes.

View more Seattle agents

If you feel you receive acceptable answers for all questions you ask and an affordable coverage quote, you have narrowed it down to an insurance agent that meets the requirements to insure your vehicles. Just understand that it’s your coverage and you can cancel a policy when you choose so never assume you are locked into a specific agent with no way out.

One last thing about your coverage

Lower-priced insurance in Seattle is available on the web as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not offer online rate quotes and most of the time these regional insurance providers prefer to sell through independent agents.

In this article, we presented many ways to save on Lexus GS 350 insurance in Seattle. The key concept to understand is the more rate quotes you have, the better likelihood of getting cheaper Seattle car insurance quotes. You may even be surprised to find that the best price on insurance is with some of the smallest insurance companies. Some small companies can often provide lower prices in certain areas compared to the large companies like Progressive and GEICO.

To read more, feel free to visit the resources below:

• Safety Belts FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance for Good Drivers in Seattle? (FAQ)
• What Auto Insurance is Cheapest for Drivers Under 25 in Seattle? (FAQ)
• What Auto Insurance is Cheapest for Retired Military in Seattle? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for 4×4 Vehicles in Seattle? (FAQ)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Teen Driving Statistics (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Institute)