Vehicles > Lexus > GS 350

Lexus GS 350 Insurance Rates

Drivers have lots of options when buying insurance for your Lexus vehicle. You can get prices from a local agent or go online to check prices from a lot of auto insurance companies. Finding cheaper auto insurance through online companies can be fast and easy, plus you might just save a little.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of companies vying for your business. Finding lower Lexus GS 350 insurance cost is not a difficult process. You just have to spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

FREE Car Insurance Comparison

Premiums are calculated by these things

Auto insurance rates on a Lexus GS 350 can be significantly different depending on several factors. Including but not limited to:

  • Higher performance GS 350 vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Mature drivers pay less
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Home ownership saves money

A final factor which can affect Lexus GS 350 insurance rates is the model year. New vehicles have a higher actual cash value in comparison to later models so the cost to replace them may end up costing you more. But new Lexus models may have a trim level with safety features including adaptive cruise control, pedestrian detection, and lane departure warning system that may help give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your GS 350 from the list below.

Coverage for liability - This coverage provides protection from damage or injury you incur to people or other property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Lexus GS 350 can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Lexus GS 350 comprehensive insurance. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus GS 350 Insurance Rates?