Car Insurance Rates for a Lexus GS 350 in Pittsburgh

It takes a few minutes, but the best way to get cheaper Lexus GS 350 insurance is to begin comparing prices regularly from different companies that insure vehicles in Pittsburgh. Price quotes can be compared by following these guidelines.

• Step 1: Learn about how auto insurance works and the things you can change to prevent expensive coverage. Many risk factors that drive up the price like accidents, traffic violations, and poor credit can be controlled by making small lifestyle or driving habit changes. Read the full article for information to get lower rates and find additional discounts.
• Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while independent agencies can provide rate quotes for many different companies. Start a quote
• Step 3: Compare the new rates to your existing rates and see if you can save money. If you can save money and make a switch, verify that coverage does not lapse between policies.

The most important part of shopping around is to compare identical coverages on each quote and and to get quotes from as many auto insurance providers as possible. Doing this guarantees a fair price comparison and a thorough price selection.

It’s hard to fathom, but nearly 70% of drivers renewed their policy with the same company for at least four years, and just short of a majority have never compared quotes from other companies. Pittsburgh insurance shoppers could save an average of up to $700 each year, but they just assume it’s a time-consuming process to compare other rate quotes.

If you have a policy now, you stand a good chance to be able to get lower rates using the following tips. Locating the most cost-effective auto insurance policy in Pittsburgh can be easy if you know a few tricks. Although Pennsylvania consumers do need to know the methods companies use to determine premium rates and use this information to your advantage.

The quickest method we recommend to get rate comparisons for Lexus GS 350 insurance in Pittsburgh is to understand all the major auto insurance companies will pay a fee to quote your coverage. The one thing you need to do is provide a little information such as if a SR-22 is needed, if it has an anti-theft system, the ages of drivers, and if you’re married. Your details is instantly submitted to multiple different insurance companies and you will get price comparisons immediately.

To start a quote now, click here and complete the form.

The providers in the list below provide quotes in Pittsburgh, PA. If you wish to find the best cheap car insurance in Pittsburgh, it’s highly recommended you compare several of them to get the most competitive price.

Discounts for affordable auto insurance quotes

Companies that sell car insurance do not advertise all discounts in an easy-to-find place, so we break down some of the more common and also the more inconspicuous credits that you can use to lower your rates.

• Accident-Free Discounts – Drivers who don’t have accidents pay less compared to bad drivers.
• Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the medical payments premium.
• Telematics Data – Drivers who elect to allow their auto insurance company to look at driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise may see discounts as long as they are good drivers.
• Organization Discounts – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
• Good Students Pay Less – Getting good grades can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
• College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from Pittsburgh and do not take a car to college can receive lower rates.

As a footnote on discounts, most discounts do not apply to the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Even though it appears adding up those discounts means a free policy, you’re out of luck.

The information below illustrates the comparison of Lexus GS 350 annual premium costs with and without discounts being applied to the rates. The data assumes a male driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, multi-policy, homeowner, and marriage discounts applied.

Companies and their offered discounts include:

• Mercury Insurance policyholders can earn discounts including good student, ease of repair, age of vehicle, type of vehicle, and accident-free.
• Farmers Insurance includes discounts for electronic funds transfer, pay in full, good student, distant student, mature driver, and alternative fuel.
• Farm Bureau offers discounts for renewal discount, multi-vehicle, 55 and retired, safe driver, good student, and driver training.
• State Farm offers premium reductions for multiple policy, accident-free, driver’s education, anti-theft, and multiple autos.
• Allstate may include discounts for passive restraint, early signing, farm vehicle, defensive driver, senior citizen, teenSMART discount, and safe driver.
• GEICO has savings for defensive driver, federal employee, anti-theft, good student, multi-vehicle, daytime running lights, and air bags.

Double check with all the companies what discounts are available to you. Discounts may not apply in Pittsburgh. To see a list of companies who offer free Lexus GS 350 insurance quotes in Pennsylvania, click here to view.

Detailed insurance information

The data table shown below showcases different rate quotes for Lexus GS 350 models. Having a better understanding of how auto insurance prices are calculated can assist in making informed coverage decisions.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific Pittsburgh garaging location which can affect premiums noticeably.

Physical damage deductibles

One of the more difficult decisions when buying insurance is how high should the physical damage deductibles be. The data tables below can help you visualize the costs and benefits when you buy lower versus higher comp and collision deductibles. The first data set uses a $100 deductible and the second price chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in specific Pittsburgh garaging location which can increase or decrease coverage prices substantially.

Based on the figures above, using a $100 deductible will cost you about $45 more each month or $540 annually than choosing the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 20 months between claims, you would probably save some money by selecting a higher deductible.

The chart below shows how choosing a deductible and can increase or decrease Lexus GS 350 annual premium costs for different age groups. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Gender-based insurance rates

The information below visualizes the comparison of Lexus GS 350 yearly insurance costs for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Does full coverage make sense?

The information below shows the difference between Lexus GS 350 insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or claims, $250 deductibles, single status, and no discounts are applied to the premium.

Should you buy full coverage or liability only?

There isn’t a written rule to drop comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Lexus GS 350 replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after the deductible is paid. If you are currently paying more than $800 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few cases where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Smart Consumers Know How to Find Auto Insurance at a Discount

Many factors are considered when premium rates are determined. Some factors are common sense like an MVR report, but other factors are less obvious like where you live or your vehicle rating. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that help determine the rates you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this enables informed choices that could result in big savings.

Prices are affected by your address – Being located in less populated areas can save you money if you are looking for the lowest rates. People in densely populated areas have congested traffic and longer commutes to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.

How much liability insurance do you need? – Liability insurance will protect you if a court rules you are at fault for an accident. This coverage provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.

Low stress employer equals lower rates – Do you work in a high-stress field? Careers like lawyers, air traffic controllers, and stock brokers tend to have the highest rates due to stressful work requirements and incredibly demanding work hours. On the other hand, professions such as farmers, athletes and the unemployed pay the least.

Is your car, truck or SUV built for speed? – The type of vehicle you need to insure makes a big difference in your car insurance bill. Low performance passenger vehicles receive the most favorable rates, but many other things help determine your insurance rates.

The chart below uses these assumptions: married male driver age 20, full coverage with $250 deductibles, and no discounts or violations. It illustrates Lexus GS 350 car insurance rates compared to other vehicles that have a range of risk factors.

Safety ratings are a factor – Safer cars are cheaper to insure. Safer cars help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims which can result in lower premiums. If your Lexus GS 350 has at least four stars on Safercar.gov it is probably cheaper to insure.

Lexus GS 350 insurance loss data – Insurance companies use statistical claims data to calculate a price that will offset losses. Models that the data shows to have high amounts or severity of claims will be charged more to insure.

The information below illustrates the insurance loss data for Lexus GS 350 vehicles. For each insurance policy coverage type, the loss probability for all vehicles averaged together is considered to be 100. Percentages below 100 suggest a better than average loss history, while values that are 100 or greater indicate a higher chance of having a claim or an increased chance of a larger loss.