Lexus GS 450h Insurance Rate Quotes in Irvine

We don’t have to point out that fact that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around for cheaper rates will, in all likelihood, switch insurance companies because of the high probability of finding lower rate quotes. A study showed that drivers who compared price quotes annually saved an average of $3,450 over four years compared to people who never compared prices.

If finding the cheapest price on insurance in Irvine is why you’re reading this, then having some knowledge of how to quote and compare insurance rates can help you succeed in saving money.

Insurance for Lexus GS 450hIf your goal is the lowest price, then the best way to get low-cost auto insurance rates is to start doing an annual price comparison from insurers in Irvine. You can compare rates by completing these steps.

  1. Spend a few minutes and learn about coverages and the measures you can take to keep rates in check. Many factors that are responsible for high rates like traffic tickets, fender benders, and poor credit history can be controlled by making minor driving habit or lifestyle changes.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can give you price quotes from many different companies. Compare rates now
  3. Compare the quotes to your existing rates and see if there is a cheaper rate. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide proper notification to your current company of your decision to cancel your current car insurance policy and submit a down payment along with a completed application to your new company or agent. Once received, keep your new certificate of insurance somewhere easily accessible.

An important bit of advice to remember is to use similar limits and deductibles on each price quote and and to get price quotes from every insurance company. This provides a fair price comparison and the best price selection.

Insurance coverage details

The premium information displayed next covers a range of insurance policy prices for Lexus GS 450h models. Having insight into how auto insurance policy rates are determined can help drivers make smart choices when comparing insurance quotes.

Lexus GS 450h Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 450H Hybrid $506 $1190 $574 $34 $172 $2,476 $206
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific zip code location which can lower or raise auto insurance rates significantly.

Higher deductibles save money

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The data tables below determine the rate fluctuation when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Lexus GS 450h insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 450H Hybrid $474 $882 $442 $26 $132 $1,981 $165
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Lexus GS 450h insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 450H Hybrid $292 $556 $442 $26 $132 $1,448 $121
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in zip code location which can raise or lower coverage prices noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $44 more each month or $528 a year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 17 months between claim filings, you would probably save some money going with the higher deductible.

The information below demonstrates how choosing different deductibles and can affect Lexus GS 450h yearly insurance costs for different insured age categories. The information is based on a single male driver, full coverage, and no discounts are factored in.

Impact of age and gender on auto insurance rates

The example below compares Lexus GS 450h insurance rates for male and female drivers. The rates are based on no claims or driving citations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.

What Determines Lexus GS 450h Insurance Rates?

Multiple criteria are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving record, although others are not quite as obvious like your vehicle usage and annual miles driven.

The following are some of the most rate-impacting factors used by your company to calculate your rates.

Ratings for California car insurance companies

Finding a high-quality company can be rather challenging considering how many different insurance companies sell coverage in Irvine. The ranking information displayed below can help you choose which car insurance companies you want to consider purchasing coverage from.

Top 10 Irvine Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Irvine Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Compare rates regularly to save

We just covered many tips how you can lower your Lexus GS 450h insurance rates in Irvine. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Irvine auto insurance quotes. Consumers may even find the best rates are with the least-expected company. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where someone dropped physical damage coverage only to find out they didn’t have enough coverage. The aim is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

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