Save Money on Lexus GS 350 Insurance in Boston

How long has it been since you shopped around for low-cost Lexus GS 350 insurance in Boston? Are you sick and tired of paying out the nose to pay high insurance rates every month? You have the same problem as many other Massachusetts consumers.

Astonishing but true, nearly 70% of customers have remained with the same insurance company for a minimum of four years, and almost 40% of drivers have never compared rate quotes at all. Many consumers in the U.S. can save hundreds of dollars each year by just shopping around, but they don’t invest the time required to find affordable insurance rates.

Steps to saving money on Lexus GS 350 insurance in Boston

It takes a little time, but the best way to get discount car insurance rates is to annually compare prices from different companies who provide auto insurance in Boston. This can be done by following these guidelines.

1. Read and learn about the different coverages in a policy and the measures you can take to drop your rates. Many policy risk factors that cause rate increases like at-fault accidents and your credit history can be amended by making minor changes to your lifestyle.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of insurance providers.
3. Compare the price quotes to your current policy premium to determine if switching companies saves money. If you find better rates and make a switch, make sure there is no coverage gap between policies.
4. Provide written notification to your current company to cancel your existing policy. Submit a completed policy application and payment to your new agent or company. Don’t forget to place your new proof of insurance paperwork in an easily accessible location in your vehicle.

One important bit of advice is to use the same liability limits and deductibles on each price quote and and to get rates from as many car insurance companies as possible. Doing this guarantees the most accurate price comparison and a complete price analysis.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with catchy ads and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

If you have insurance now, you will definitely be able to get lower rates using the techniques presented in this article. Finding the cheapest insurance coverage in Boston is actually very simple if you learn how to start. But Massachusetts consumers must understand the way companies market insurance on the web.

Companies offering low-cost Lexus GS 350 rates in Boston, MA

The companies in the list below provide comparison quotes in Boston, MA. To find the best cheap car insurance in Boston, we suggest you visit several of them in order to get a fair rate comparison.

Facts and figures for Lexus GS 350 insurance

The coverage information displayed below covers a range of insurance premium costs for Lexus GS 350 models. Having a better idea how premiums are established can benefit drivers when making decisions on the best policy coverages.

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in garaging location in Boston which can affect rates significantly.

An analysis of deductible level

When shopping for car insurance, a common question is which deductible level should you buy. The following insurance rates approximate the costs and benefits when you choose different comp and collision deductibles. The first data set uses a $250 deductible and the second rate chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Prices do not factor in Boston location which can modify price quotes substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs about $17 more each month or $204 each year averaged for all GS 350 models than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 15 months between claim filings, you would come out ahead if you opt for a higher deductible.

Annual premiums for males versus females in Boston

The example below illustrates the comparison of Lexus GS 350 car insurance rates for male and female drivers. The rates are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Don’t overlook these Lexus GS 350 insurance discounts

Auto insurance is not inexpensive, but you might find some hidden discounts that could drop your premiums quite a bit. Certain discounts will be applied when you purchase, but some discounts are required to be specially asked for prior to getting the savings. If you check and find you aren’t receiving every discount available, you are just wasting money.

• Discounts for Good Drivers – Accident-free drivers can pay as much as 50% less than drivers with accidents.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.
• Government Employees – Being employed by or retired from a federal job may reduce rates when you quote Boston car insurance depending on your company.
• Accident Free – Drivers with accident-free driving histories can earn big discounts in comparison with insureds who have frequent claims or accidents.
• Mature Driver Discount – Drivers over the age of 55 may receive lower premium rates.
• Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
• Telematics Data – Insureds who allow companies to look at driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they exhibit good driving behavior.

While discounts sound great, it’s important to understand that most credits do not apply to the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The chart below shows the comparison of Lexus GS 350 car insurance costs with and without discounts applied to the premium. The rates are based on a female driver, no driving violations, no at-fault accidents, Massachusetts state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, homeowner, and multi-car discounts applied.

Car insurance companies who might offer some of the discounts shown above may include but are not limited to:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

Check with all companies you are considering which discounts they offer. A few discounts may not be available in your area.

When should I discuss my situation with an agent?

When quoting and comparing adequate coverage, there is no single plan that fits everyone. Each situation is unique.

These are some specific questions might help in determining whether or not you will benefit from professional help.

• Can I rent a car in Mexico?
• Do I need to file an SR-22 for a DUI in Massachusetts?
• Should I buy only the required Massachusetts minimum liability coverage?
• Is upholstery damage covered by car insurance?
• Why are teen drivers so expensive to add on to my policy?
• Why does it cost so much to insure a teen driver in Boston?
• Should I put collision coverage on all my vehicles?
• Does my policy cover me when driving someone else’s vehicle?
• Who is covered by my policy?
• Does low annual mileage earn a discount?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Can’t I get rate quotes from local Boston insurance agents?

Many people still like to go talk to an agent and that is just fine! A nice benefit of getting free rate quotes online is that you can find cheap rate quotes and still have a local agent.

For easy comparison, once you complete this form (opens in new window), your information is instantly submitted to companies in Boston who will return price quotes for your business. You won’t need to do any legwork due to the fact that quote results will go directly to you. Get lower rates AND a local agent. If you have a need to quote rates for a specific company, you just need to go to their quote page and give them your coverage information.

Choosing an insurance company should depend on more than just a low price. The following questions are important to ask.

• Do they offer rental car reimbursement?
• Do they reduce claim amounts on high mileage vehicles?
• Do they receive special compensation for putting your coverage with one company over another?
• Can they provide you with a list of referrals?
• What is their Better Business Bureau rating?

If you would like to find a reliable agent, it can be helpful to understand the different types of agencies and how they can write your policy. Boston agents are either exclusive or independent.

Exclusive Insurance Agents

Agents that choose to be exclusive can usually just insure with one company and examples are Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so they really need to provide good service. Exclusive agencies are usually well trained in insurance sales which helps them sell insurance even at higher premiums.

The following are Boston exclusive agents that are able to give price quote information.

More insurance agents

Independent Auto Insurance Agents

Independent agencies are not limited to a single company so as a result can place your coverage through lots of different companies and find the cheapest auto insurance rates. If premiums increase, an independent agent can move your coverage which is easy for the insured.

If you need cheaper auto insurance rates, we recommend you include independent agents in order to compare the most rates.

The following are Boston independent insurance agencies that are able to give price quotes.

More insurance agents

In conclusion

Drivers leave their current company for a variety of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, delays in paying claims and even questionable increases in premium. Whatever your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

When shopping online for insurance, never reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the best cost while still protecting your assets.

Cheap Lexus GS 350 insurance in Boston can be found from both online companies and from local insurance agents, so you should compare both in order to have the best chance of saving money. A few companies may not have online rate quotes and these regional insurance providers work with independent agents.

How to find more affordable Lexus GS 350 insurance in Boston

If saving money is your primary concern, then the best way to find affordable Lexus GS 350 insurance in Boston is to compare prices once a year from companies who sell auto insurance in Massachusetts.

1. It will benefit you to learn about how auto insurance works and the modifications you can make to lower rates. Many things that cause rate increases such as multiple speeding tickets and a poor credit rating can be rectified by paying attention to minor details.
2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple insurance companies. View insurance agents
3. Compare the price quotes to the premium of your current policy and see if there is a cheaper rate. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
4. Give notification to your agent or company of your intent to cancel your current policy. Submit the required down payment along with the signed application for your new coverage. As soon as coverage is bound, store the certificate of insurance in your vehicle’s glove compartment or console.

One key aspect of rate comparisons is to use identical coverages on every quote and and to analyze as many companies as you can. Doing this provides a level playing field and the best price selection.

Other learning opportunities

• Steps to Take After an Auto Accident (Insurance Information Institute)
• How Much are Boston Auto Insurance Quotes for Young Drivers? (FAQ)
• Who Has the Cheapest Boston Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Event Data Recorders FAQ (iihs.org)
• Understanding Car Crashes Video (iihs.org)