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.
The 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.
- Step 1: Learn about coverages and the measures you can take to prevent rate increases. Many risk factors that result in higher rates such as inattentive driving and a not-so-good credit score can be improved by making minor changes in your lifestyle. Read the full article for instructions to find cheap rates and get discounts that may be available to you.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agents can provide price quotes from many different companies.
- Step 3: Compare the new rate quotes to your existing policy and determine if there is any savings. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
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.
- Multi-policy Discount – If you can bundle your auto and home insurance with the same company you may earn up to 20% off your total GS 350 insurance premium.
- Discount for Swiching Early – A few car insurance companies give discounts for renewing your policy before your current GS 350 insurance policy expires. You can save around 10% with this discount.
- Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
- E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks for buying your policy digitally online.
- Drive Safe and Save – Safe drivers can pay as much as 50% less compared to accident prone drivers.
- Own a Home – Owning a house in Jacksonville may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
- Theft Deterrent Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Distant College Student Discount – College-age children who are attending college and won’t have access to an insured vehicle could qualify for this discount.
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.
| 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.
| 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 | |||||||
| 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.
- Discounts for married drivers – Having a wife or husband helps lower the price compared to being single. Having a spouse demonstrates that you tend to be more responsible and it’s proven that drivers who are married are more cautious.
- Filing insurance claims can increase rates – If you are a frequent claim filer, you can look forward to higher premiums or even policy non-renewal. Auto insurance companies in Florida give the best rates to people who only file infrequent claims. Auto insurance is meant to be used in the event of claims that pose a financial burden.
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Traffic violations hurt – Attentive drivers tend to pay less for car insurance than their less careful counterparts. Only having one citation can increase the cost of insurance by as much as twenty percent. Drivers who have gotten license-revoking tickets like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
The diagram below shows how violations and fender-benders increase Lexus GS 350 yearly insurance costs for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
- Where you call home – Choosing to live in less populated areas may provide you with better prices when shopping for auto insurance. City drivers have traffic congestion and much longer commute distances. Lower population means fewer accidents as well as less vandalism and auto theft.
- Drive less and pay lower prices – The higher the miles on your Lexus in a year’s time the more you’ll pay to insure your vehicle. Most companies charge rates determined by how the vehicle is used. Vehicles that are left in the garage receive lower rates than those that get driven frequently. An improperly rated GS 350 may be costing you higher rates. It’s a smart idea to ensure your insurance policy properly reflects the correct usage, because it can save money.
- Better prices for continuous insurance coverage – Driving without insurance is not a good idea and any future policy may cost more because you let your insurance coverage expire. Not only will rates go up, getting caught without coverage could result in a fine, jail time, or a revoked license. You will then be forced to file a SR-22 with the Florida department of motor vehicles.
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Insurance loss data for a Lexus GS 350 – Insurance companies use data from past claims as a way to help calculate a profitable premium rate. Vehicles that tend to have higher claim frequency or loss amount will have higher rates.
The data below shows the compiled insurance loss statistics for Lexus GS 350 vehicles. For each policy coverage type, the loss probability for all vehicles, as a total average, is represented as 100. Percentages below 100 indicate a favorable loss history, while numbers shown that are more than 100 point to more losses or an increased probability of a larger loss.
Insurance Loss Ratings for Lexus GS 350 Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Lexus GS 350 4dr 2WD 160 78 190 81 107 79 Lexus GS 350 4dr 4WD 169 90 217 91 85 68 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
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.
Once 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.
First Network Insurance Agency
6180 Fort Caroline Rd #3 – Jacksonville, FL 32277 – (904) 743-3492 – View Map
Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map
State Insurance Agency
803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599 – View Map
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.
Parvez Sahotra – State Farm Insurance Agent
3267 Hodges Blvd #14 – Jacksonville, FL 32224 – (904) 221-1161 – View Map
Chris Nickas – State Farm Insurance Agent
9542 Argyle Forest Blvd #12 – Jacksonville, FL 32222 – (904) 854-4700 – View Map
Denny Doyle – State Farm Insurance Agent
7807 Baymeadows Rd E #100 – Jacksonville, FL 32256 – (904) 737-3777 – View Map
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.
- Do they have designations such as AIC, CPCU, or CIC?
- Can you get a list of referrals?
- How is replacement cost determined on your vehicle?
- What company holds the largest book of business for them?
- Are they actively involved in the community?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they reduce claim amounts on high mileage vehicles?
- Has the agent ever had any license suspensions?
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.
Additional articles
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- What Insurance is Cheapest for a Honda Civic in Jacksonville? (FAQ)
- How Much is Jacksonville Car Insurance for a Jeep Grand Cherokee? (FAQ)
- How Much are Jacksonville Auto Insurance Quotes for Drivers Over Age 70? (FAQ)
- What Car Insurance is Cheapest for High Mileage Drivers in Jacksonville? (FAQ)
- Who Has Cheap Car Insurance for a Nissan Sentra in Jacksonville? (FAQ)
- Rollover Crash FAQ (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)