It’s an obvious conclusion that insurance companies don’t want you comparing rates. People who get price comparisons are likely to switch companies because there is a significant possibility of finding coverage at a more affordable price. Surprisingly, a recent survey revealed that consumers who made a habit of comparing rates saved about $70 a month compared to those who never compared prices.
If finding the lowest price for auto insurance is the reason you’re reading this, then having a grasp of how to find companies and compare coverages can make the process more efficient.
If saving money is your primary concern, then the best way to find cheaper prices for Lexus GS 350 insurance is to make a habit of comparing prices annually from companies who can sell car insurance in Omaha. Drivers can shop around by completing these steps.
- Spend a few minutes and learn about car insurance and the measures you can take to keep rates in check. Many things that result in higher prices such as traffic violations, accidents, and a negative credit score can be controlled by being financially responsible and driving safely.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can quote rates from multiple insurance companies.
- Compare the price quotes to your current policy and determine if cheaper GS 350 coverage is available in Omaha. If you find a lower rate and make a switch, make sure coverage is continuous and does not lapse.
- Tell your current agent or company to cancel your current coverage and submit payment along with a signed and completed policy application to your new carrier. Once the application is submitted, safely store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.
An important bit of advice to remember is to compare identical coverages on every quote and and to get price estimates from as many car insurance companies as possible. Doing this ensures a fair price comparison and a complete price analysis.
All major insurance companies like GEICO, State Farm and Progressive provide price estimates direct online. Getting online quotes for Lexus GS 350 insurance in Omaha is very simple as you just enter the coverages you want into a form. After you complete the form, the system automatically orders credit information and your driving record and returns a price determined by many factors.
This makes comparing rates easy, and it is important to have as many quotes as possible if you want to find the cheapest insurance rates.
To find out what other companies charge, compare rates from the companies below. To compare your current rates, we recommend you type in the coverage information as shown on your current policy. Doing this guarantees you will be getting a price comparison based on similar coverages.
The companies shown below provide free quotes in Nebraska. To get cheap auto insurance in NE, we recommend you compare several of them to find the cheapest auto insurance rates.
Lexus GS 350 coverage statistics
The table below highlights different insurance prices for Lexus GS 350 models. Having insight into how insurance premiums are calculated can help guide drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 350 | $280 | $598 | $332 | $20 | $100 | $1,330 | $111 |
| GS 350 AWD | $308 | $676 | $332 | $20 | $100 | $1,436 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in specific location which can impact insurance rates significantly.
Analysis of deductible levels
When shopping for auto insurance, a common question is where should you set your physical damage deductibles. The figures shown below can help show the differences in price between high and low insurance deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 350 | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| GS 350 AWD | $358 | $716 | $254 | $16 | $76 | $1,445 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 350 | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| GS 350 AWD | $262 | $484 | $254 | $16 | $76 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise premiums substantially.
Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $28 more each month or $336 a year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 14 months between claim filings, you would more than likely save some money by selecting a higher deductible.
Independent and exclusive auto insurance agents
Certain consumers prefer to sit down with an agent and often times that is recommended The best thing about comparing rate quotes online is that you can obtain lower premium rates and also buy local.
For easy comparison, once you complete this simple form, your insurance data is transmitted to local insurance agents who will return price quotes for your business. It simplifies rate comparisons since you won’t have to leave your house because quoted prices will be sent to you. It’s the lowest rates AND a local agent. If you wish to get a comparison quote from a specific insurance company, feel free to go to their quote page to submit a rate quote request.
Choosing the best company requires you to look at more than just the quoted price. You should also get answers to these questions.
- Do they offer claims assistance after hours?
- Do they receive special compensation for putting your coverage with one company over another?
- Is the agent and/or agency licensed to do business in Nebraska?
- Is insurance their full-time profession?
- How does the company pay claims for a total loss?
- Who are their largest clients?
- Can glass repairs be made at your home?
Listed below is a short list of auto insurance companies in Omaha willing to provide price quote information for Lexus GS 350 insurance in Omaha.
- American Family Insurance – John Cuenca
4601 S 50th St Ste 306 – Omaha, NE 68117 – (402) 614-5004 – View Map - Alvarez Insurance Agency
4629 S 23rd St – Omaha, NE 68107 – (402) 733-1878 – View Map - Anthony Anderson – State Farm Insurance Agent
11204 Davenport St #200 – Omaha, NE 68154 – (402) 393-0300 – View Map - Jensen Insurance
16909 Burke St #125 – Omaha, NE 68118 – (402) 391-5100 – View Map
After you get satisfactory answers to any questions you may have as well as offering an affordable quote, you may have found an insurer that can be relied on to properly service your auto insurance policy.