Cheapest Lexus GS 350 Insurance in Atlanta

Nobody that owns a car likes having to buy insurance, in particular when their premiums are too high.

Astonishng but true according to a recent study, over 70% of consumers kept their policy with the same company for a minimum of four years, and 38% of customers have never quoted insurance rates at all. Atlanta consumers can cut their rates by as much as 60% a year by just comparing rate quotes, but they don’t want to take the time to compare rates online.

Multiple insurers compete for your insurance dollar, so it can be very hard to choose a company and get the definite best price available on Lexus GS 350 insurance in Atlanta.

It’s important to compare rates once or twice a year because prices trend upward over time. Despite the fact that you may have had the best rates on Lexus GS 350 insurance in Atlanta last year a different company probably has better rate quotes today. Forget all the misinformation about insurance because we’re going to demonstrate the right way to save money, get proper deductibles and limits, all at the lowest rate.

Compare Lexus GS 350 insurance rates

Keep in mind that obtaining a wide range of quotes will increase your chances of finding better pricing. Some insurance companies are not set up to provide online price quotes, so you should also compare rates from them, too.

The following companies provide free rate quotes in Atlanta, GA. If multiple providers are shown, we recommend you get prices from several of them to get a more complete price comparison.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in your specific Atlanta location which can change premiums greatly.

Poor driving habits will raise your car insurance rates

The chart below demonstrates how speeding tickets and at-fault accidents can influence Lexus GS 350 car insurance costs for different age groups. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

Car insurance deductibles

One of the most common car insurance questions is which deductibles should you choose. The figures shown below determine the premium difference between low and high physical damage coverage deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Prices do not factor in garaging location in Atlanta which can affect price quotes substantially.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $53 more each month or $636 a year than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 17 months between claim filings, you would most likely save money if you choose a higher deductible.

Auto insurance discounts help lower rates for Lexus GS 350 insurance in Atlanta

Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available that you may not know about. Certain reductions will be credited at the time of purchase, but less common discounts must be inquired about before you get the savings. If you’re not getting every credit you deserve, you are paying more than you should be.

• Low Mileage – Driving less can earn lower prices on the low mileage vehicles.
• Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
• Club Memberships – Belonging to a professional or civic organization could earn you a nice discount on your policy.
• Online Discount – Many auto insurance companies will discount your bill up to fifty bucks shop Atlanta auto insurance on the internet.
• Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more compared to accident prone drivers.
• Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your Atlanta auto insurance quote.
• Claim-Free Discount – Good drivers with no accidents can earn big discounts in comparison to bad drivers.
• Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

For a list of insurers offering auto insurance discounts in Atlanta, click this link.

How You Can Control Lexus GS 350 Insurance Costs

Many things are part of the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, but some are not quite as obvious such as whether you are married or your financial responsibility.

Listed below are some of the items used by your company to calculate your premiums.

What are your coverage deductibles? – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. A few examples of covered claims could be a broken side mirror, hitting a deer, and rolling your vehicle. Comp and collision deductibles are how much you are willing to pay if a covered claim is submitted. The more of the claim you choose to pay out-of-pocket, the lower your rates will be.

Experienced drivers save more – Older, more experienced drivers are more cautious drivers, tend to file fewer claims, and usually have better credit.Beginning drivers tend to be careless and easily distracted behind the wheel so they pay higher auto insurance rates.

Consolidate home and auto and save – The majority of auto insurance companies give lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, drivers will still want to shop around to guarantee you are still saving the most. You may still be able to save more without the discount by buying from different companies

Safer vehicles save money – Vehicles that have high safety ratings tend to have lower insurance rates. Safe vehicles have better occupant injury protection and lower rates of occupant injuries means lower claim amounts passed on to you as lower rates.

Get better rates if married – Getting married helps lower the price on your auto insurance policy. Having a significant other demonstrates that you tend to be more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

GPS tracking and theft deterrents lowers rates – Choosing to buy a car with a theft deterrent system can save you a little every year. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.

Gender and car insurance costs – Statistics have proven that females tend to be a little less risky than males. However, don’t assume that females are better at driving than males. They both are responsible for fender benders at about the same rate, but males tend to have higher claims. Not only are claims higher, but men receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are the most expensive to insure and are penalized with high auto insurance rates.

Lexus GS 350 insurance claim data – Insurance companies study historical loss data to determine a price that will be profitable for them. Models that the data determines to have higher claim frequency or loss amount will have increased rates. The information below illustrates the collected loss data for Lexus GS 350 vehicles.

For each coverage type, the statistical loss for all vehicles, regardless of make or model, is set at 100. Values below 100 indicate a favorable loss history, while percentage values above 100 indicate higher probability of having a loss or an increased probability of a larger loss.

When should I talk to an insurance agent?

Some people just prefer to get professional advice from a licensed agent. The biggest benefit of comparing rates online is you can get cheaper premium rates and still choose a local agent. And providing support for local agents is especially important in Atlanta.

Once you complete this form (opens in new window), your information gets sent to insurance agents in Atlanta who want to provide quotes and help you find cheaper coverage. You won’t need to search for any insurance agencies as quotes are delivered directly to you. You can find better rates without requiring a lot of work. If you want to quote rates for a specific company, you would need to visit that company’s website and complete a quote there.

Pick the best car insurance agent in Atlanta for you

If you want a local insurance agency, it’s helpful to know the types of insurance agents and how they differ in how they quote coverages. Agencies in Atlanta can be classified as either independent (non-exclusive) or exclusive.

Independent Car Insurance Agencies

Independent agencies are appointed with more than one company so they have the ability to put coverage through many different car insurance companies and find the cheapest rate. If you want to switch companies, an independent agent can move your coverage which is easy for the insured.

When shopping rates, you definitely need to get rate quotes from several independent insurance agents in order to have the best price comparison.

Below is a partial list of independent insurance agencies in Atlanta that may be able to provide cheap rate quotes.

View more Atlanta agents

Exclusive Insurance Agencies

Agents of this type can only write with one company such as Farmers Insurance and State Farm. These agents are not able to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents receive extensive training on their company’s products and that can be a competitive advantage.

Listed below is a list of exclusive insurance agencies in Atlanta who can help you get price quote information.

View more Atlanta agents

Choosing the best insurance agent should include more criteria than just the quoted price. The following questions are important to ask.

• Can they provide you with a list of referrals?
• Does the quote include credit and driving reports?
• Is there any savings for paying the full premium?
• If your car is totalled, how to they determine the replacement cost?
• What is their Better Business Bureau rating?
• Which companies do they recommend if they are an independent agency?

After getting answers to your satisfaction in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that meets your needs to adequately provide car insurance. But keep in mind you are entitled to terminate your policy whenever you want so don’t assume that you are obligated to any specific agency with no way out.

Shop smart and save

In this article, we presented many ways to get a better price on Lexus GS 350 insurance in Atlanta. The key thing to remember is the more you quote Atlanta auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from some of the smallest insurance companies. They may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.

There are still a few companies who may not offer price quotes online and usually these small insurance companies only sell coverage through independent agents. Cheaper Lexus GS 350 insurance in Atlanta can be bought from both online companies and with local Atlanta insurance agents, and you need to price shop both to have the best rate selection.

When getting Atlanta auto insurance quotes online, do not buy poor coverage just to save money. There are a lot of situations where someone sacrificed full coverage only to find out that the few dollars in savings costed them thousands. Your goal is to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

More detailed car insurance information can be read in these articles:

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Who Has Cheap Atlanta Car Insurance Rates for a Hyundai Santa Fe? (FAQ)
• How Much are Atlanta Car Insurance Rates for Postal Workers? (FAQ)
• Who Has the Cheapest Auto Insurance for a Ford Escape in Atlanta? (FAQ)
• What Car Insurance is Cheapest for a GMC Sierra in Atlanta? (FAQ)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Liability Insurance Coverage (Nationwide)