Compare Lexus GS 350 Insurance Quotes in Jacksonville

It’s easy to assume that insurance companies want to keep your business as long as possible. Consumers who compare rates at least once a year will probably buy a new policy because they have a good chance of finding better rates. A study showed that people who compared prices regularly saved about $3,500 over four years compared to other drivers who don’t regularly compare prices.

If saving the most money on car insurance in Jacksonville is why you’re reading this, then knowing how to get price quotes and compare auto insurance can save money and time.

Insurance quote for Lexus GS 350 in JacksonvilleThe best way we recommend to find low-cost prices for Lexus GS 350 insurance is to do a yearly price comparison from insurance carriers who sell auto insurance in Jacksonville. Price quotes can be compared by following these steps.

One key aspect when comparing rates is to try to use similar limits and deductibles on every quote and to quote with all possible companies. This enables a fair rate comparison and a good representation of prices.

These techniques will teach you the best ways to compare prices and some money-saving tips. If you have car insurance now, you stand a good chance to be able to buy cheaper car insurance using the techniques presented in this article. Vehicle owners just need to understand the proper way to shop their coverage around online.

Ways to get Lexus GS 350 insurance quotes in Jacksonville, FL

Many insurance companies like State Farm and Allstate allow you to get prices for coverage directly from their websites. The process doesn’t take a lot of time as you simply type in your personal and coverage information as detailed in the form. After the form is submitted, their quoting system pulls your credit score and driving record and returns pricing information based on the information you submitted. This simplifies rate comparisons, and it’s also necessary to do this in order to find the lowest payment possible.

To quickly compare pricing, compare quotes from the companies shown below. If you currently have coverage, we recommend you copy deductibles and limits exactly as shown on your declarations page. Using the same limits helps guarantee you’re receiving comparison quotes based on the exact same insurance coverage.

The following companies are our best choices to provide price quotes in Jacksonville, FL. If more than one company is shown, it’s highly recommended you click on several of them to get a more complete price comparison.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always advertise every discount in a way that’s easy to find, so we break down some of the best known and the harder-to-find discounts that you can inquire about if you buy Jacksonville car insurance online. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.Car insurance discounts

It’s important to understand that most of the big mark downs will not be given to the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The diagram below shows the comparison of Lexus GS 350 car insurance rates with and without policy discounts. The rates are based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, safe-driver, marriage, and claim-free discounts applied.

Auto insurance companies that may have most of the discounts above possibly include:

If you are trying to find inexpensive Jacksonville car insurance quotes, ask every prospective company how many discounts you can get. A few discounts might not be available to policyholders in Jacksonville.

Lexus GS 350 insurance rate analysis

The table shown below showcases estimates of insurance premium costs for Lexus GS 350 models. Knowing how prices are established can help drivers make smart choices when choosing a car insurance company.

Lexus GS 350 Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $438 $862 $362 $22 $108 $1,792 $149
GS 350 AWD $482 $974 $362 $22 $108 $1,948 $162
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate quotes do not factor in zip code location which can change premium rates greatly.

Where to set your deductibles

One of the hardest decisions when shopping for insurance is how high should the deductibles for physical damage be. The rates below may help to illustrate the differences in premium rates between high and low physical damage deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Lexus GS 350 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $406 $736 $354 $20 $106 $1,647 $137
GS 350 AWD $446 $834 $354 $20 $106 $1,785 $149
Get Your Own Custom Quote Go

Lexus GS 350 insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $250 $464 $354 $20 $106 $1,194 $100
GS 350 AWD $276 $524 $354 $20 $106 $1,280 $107
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate quotes do not factor in Jacksonville location which can raise or lower coverage prices greatly.

We can estimate from the data above that using a $250 deductible will cost you about $39 more each month or $468 a year averaged for all GS 350 models than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 19 months between claims, you would most likely save money by selecting a higher deductible.

The illustration below demonstrates how deductibles and can affect Lexus GS 350 yearly insurance costs for different age groups. The prices are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Insurance premiums based on gender

The chart below illustrates the difference between Lexus GS 350 car insurance costs for male and female drivers. The costs are based on no claims or driving citations, full coverage, $250 deductibles, single status, and no discounts are applied.

What Impacts Lexus GS 350 Insurance Costs?

Smart consumers have a good feel for some of the things that help determine your insurance rates. If you have some idea of what influences your rates, this enables you to make decisions that could result in lower premium levels. Lots of factors are used when pricing auto insurance. Some factors are common sense like an MVR report, but some are not quite as obvious such as whether you are married or how safe your car is.

Shown below are some of the factors that factor into prices.

Car insurance agents can find coverage gaps

Many drivers still like to visit with an insurance agent and that is a personal choice. Most agents can answer important questions and will help you if you have claims. One of the great benefits of comparing rates online is you can get cheap car insurance rates and still have a local agent. Supporting neighborhood insurance agencies is definitely important in Jacksonville.

Find insurance agent in JacksonvilleOnce you complete this form (opens in new window), your insurance coverage information is sent to local insurance agents that provide free Jacksonville car insurance quotes for your coverage. There is no reason to leave your computer due to the fact that quote results will go to your email. If you need to quote rates for a specific company, feel free to find their quoting web page and submit a quote form there.

Different types of auto insurance agents in Jacksonville

When finding a local Jacksonville insurance agency, it can be helpful to understand the types of insurance agents to choose from. Car insurance agents in Jacksonville are either exclusive or independent agents depending on their company appointments. Either type can do a good job, but we need to point out the difference between them since it can affect your selection of an agent.

Independent Agencies or Brokers

Agents in the independent channel are not limited to a single company so they have the ability to put coverage with any number of different companies and find the cheapest rate. If your premiums go up, an independent agent can move your coverage and you can keep the same agent. When comparing rates, you need to contact a couple of independent agencies for maximum quote selection.

Featured below is a small list of independent insurance agents in Jacksonville that may be able to provide free price quotes.

6180 Fort Caroline Rd #3Jacksonville, FL 32277(904) 743-3492View Map

3041 Dunn AveJacksonville, FL 32218(904) 766-1995View Map

803 3rd St NJacksonville Beach, FL 32250(904) 247-5599View Map

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Exclusive Insurance Agencies

Exclusive agents can only write with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well schooled on their company’s products and that enables them to sell even at higher rates.

The following is a short list of exclusive insurance agencies in Jacksonville who can help you get comparison quotes.

3267 Hodges Blvd #14Jacksonville, FL 32224(904) 221-1161View Map

Chris Nickas – State Farm Insurance Agent
9542 Argyle Forest Blvd #12Jacksonville, FL 32222(904) 854-4700View Map

Denny Doyle – State Farm Insurance Agent
7807 Baymeadows Rd E #100Jacksonville, FL 32256(904) 737-3777View Map

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Finding the right auto insurance agent shouldn’t rely on just the quoted price. A good agent in Jacksonville will have answers to these questions.

Cheap insurance rates are available

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone dropped comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

We just presented quite a bit of information on how to get a better price on Lexus GS 350 insurance in Jacksonville. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the lowest rates come from a lesser-known regional company. Regional companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate or State Farm.

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