Want to learn how to save money and find low-cost Lexus GS 350 insurance in Phoenix? Finding low-cost insurance for a new or used Lexus GS 350 in Arizona can normally be a painful process, but you can use a few tricks and make it easy.
There is a better way to compare auto insurance rates and we’ll show you the proper way to compare rates for a new or used Lexus and locate the best price possible from Phoenix insurance agents and online providers.
It’s a good habit to get comparison quotes on a regular basis due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest premium rates on Lexus GS 350 insurance in Phoenix a couple years back you can probably find a better price now. Ignore everything you know about auto insurance because you’re about to find out the fastest way to find the best coverage while lowering your premiums.
Car insurance discounts are available for cheaper rates
Insurance can be prohibitively expensive, but there’s a good chance there are discounts to help bring down the price. A few discounts will be applied when you get a quote, but lesser-known reductions have to be specially asked for prior to getting the savings.
- Telematics Discount – Policyholders that allow their car insurance company to study when and where they use their vehicle remotely like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
- Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
- Resident Student – Children who live away from home at college and leave their car at home may be able to be covered for less.
- Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates as compared to drivers with claims.
- Mature Driver Discount – If you qualify as a senior citizen, you may receive a slight reduction on a Phoenix auto insurance quote.
- Club Memberships – Being in a civic or occupational organization in Phoenix could trigger savings when getting a Phoenix auto insurance quote.
- Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
- Early Renewal Discounts – A few car insurance companies give discounts for buying a policy prior to the expiration date on your current GS 350 insurance policy. You could save around 10% when you buy Phoenix auto insurance online.
- Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you will save up to 20% and get you affordable Lexus GS 350 insurance rates in Phoenix.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business. But any discount should help reduce your policy cost.
Car insurance companies who might offer most of the discounts above include:
Double check with all companies you are considering to apply every possible discount. All car insurance discounts might not be offered on policies everywhere. To see insurance companies offering car insurance discounts in Phoenix, follow this link.
The companies in the list below can provide price comparisons in Phoenix, AZ. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 350 | $250 | $546 | $288 | $18 | $86 | $1,188 | $99 |
| GS 350 AWD | $194 | $434 | $308 | $18 | $92 | $1,046 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location information which can influence price quotes substantially.
Higher deductibles lower rates
The illustration below illustrates how your choice of deductibles and can increase or decrease Lexus GS 350 annual premium costs for different insured age categories. The data is based on a married female driver, comp and collision included, and no policy discounts are applied.
Gender differences in auto insurance premiums
The information below compares Lexus GS 350 premium costs for male and female drivers. The costs are based on no accidents, no driving violations, full coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Auto insurance deductibles
One of the most common auto insurance questions is what deductibles to buy. The tables below may help you to understand the rate differences of buying low and high coverage deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 350 | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| GS 350 AWD | $358 | $716 | $254 | $16 | $76 | $1,445 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 350 | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| GS 350 AWD | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can change coverage rates noticeably.
Using the data above, we can ascertain that using a $100 deductible will cost you about $28 more each month or $336 each year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 14 months between claim filings, you would probably save some money going with the higher deductible. The table below shows the way you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $116 |
| Average monthly premium for $500 deductibles (subtract): | – $88 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One big caveat is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you do file a claim. It will be required that you have some extra savings in order to pay the deductible.
When should I discuss my situation with an agent?
When it comes to choosing a policy for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are unique to you so this has to be addressed.
Here are some questions about coverages that can help discover if your situation could use an agent’s help.
- Does insurance cover damages from a DUI accident?
- Is there coverage for injuries to my pets?
- Who is covered when they drive my Lexus GS 350?
- Should I rate my vehicle as business use?
- Where can I get insurance after a DUI in Arizona?
- Which companies will insure high-risk drivers?
- Should I pay a claim out-of-pocket?
- Do I need to call my car insurance company before buying a new car?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Can’t I get rate quotes from local Phoenix insurance agencies?
Certain consumers still prefer to buy from a local agent. Professional insurance agents will help you protect your assets and will help you if you have claims. One of the great benefits of price shopping on the web is you can get lower rates but also keep your business local. Supporting local insurance agencies is especially important in Phoenix.
To make it easy to find an agent, after completing this simple form, the quote information is submitted to insurance agents in Phoenix that can give you free Phoenix auto insurance quotes for your business. You never need to contact any insurance agencies because prices are sent to you instantly. If for some reason you want to get a comparison quote from a specific company, you can always visit that company’s website to submit a rate quote request.
Shown below are agents in Phoenix that may be willing to give rate quotes for Lexus GS 350 insurance in Phoenix.
- GEICO Insurance Agent
9515 W Camelback Rd #134 – Phoenix, AZ 85037 – (602) 234-3426 – View Map - Susan Cox – State Farm Insurance Agent
2715 W Northern Ave #110 – Phoenix, AZ 85051 – (602) 995-2821 – View Map - State Farm: Mat Herseth
751 E Union Hills Dr #A9, Phoenix 85024 – 751 E Union Hills Dr #A9, AZ 85024 – (602) 788-6700 – View Map - Mary Parada – State Farm Insurance Agent
3414 W Bell Rd – Phoenix, AZ 85053 – (602) 942-9202 – View Map
Picking an company requires more thought than just a low price. Some important questions to ask are:
- Are claim adjusters local or do you have to take your car somewhere else?
- Is their price quote a firm figure or are their hidden costs?
- Will a damage claim use OEM or aftermarket replacement parts?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- What insurance companies do they work with in Phoenix?
- How long has the business existed?
Don’t give up on cheaper rates
We just presented a lot of ways to save on Lexus GS 350 insurance in Phoenix. The key concept to understand is the more times you quote, the higher your chance of finding affordable Phoenix auto insurance quotes. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as Allstate and Progressive.
As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There have been many cases where someone dropped uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at a price you can afford, but do not skimp to save money.
For more information, take a look at the resources below:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has the Cheapest Car Insurance Quotes for Unemployed Drivers in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for Lyft Drivers? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Phoenix? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)