Car Insurance Quotes for the Lexus GS

A superior shock system, a top-of-the-line sound system, and lots of legroom for up to five passengers make your Lexus GS the envy of other sedans. Enjoy the luxury and power of your mid-size vehicle with car insurance that will cost you an average of $95 per month for minimum liability or $204 monthly for a full coverage policy. Your pleasure will be significantly enhanced by the peace of mind of knowing that your vehicle is covered should you get into an accident.

Every vehicle owner has different preferences, which affect the amount they pay for coverage. Freeway Insurance agents will compare multiple carriers and get you the most affordable car insurance available to meet your needs and budget.

There are many types of car insurance coverage you can choose from to enhance the level of protection your insurer provides. Your decisions will play a major role in the final cost of your coverage premiums. Here are examples of two common types of coverage your agent will surely mention.

Full Coverage

A full coverage policy will cost you $204 monthly and provide you with the highest level of protection available. Accidents can happen whether you’re driving your car or it’s parked. A tree can fall on your vehicle, a child riding by can scratch it with the handlebars of their bike, or kids playing baseball can send the ball through your window. You might cause an accident or get hit by an uninsured driver. In all of these and many more instances, a full coverage policy will help you pay for damages to your vehicle.

State Minimum Liability

On the other end of the spectrum, a minimum liability policy will only cost you $95 monthly but will only pay for damages you cause to others when you’re at fault for an accident. Although the price tag may seem very appealing, the coverage may not always be sufficient. A crash can cause significant property damage and bodily harm. In many instances, the cost will exceed the amount of coverage a minimum liability policy offers. In such cases, you would have to come up with money out of pocket to cover any dollar amount beyond what your insurance will pay.

You can already see that the type of vehicle you drive and the coverage you choose play a major role in the cost of your monthly premiums. Many other factors impact how much you’ll pay for your policy. Here are some examples

Your Credit Score

Insurers base their rates on various statistics. People with better credit scores are slightly less likely to get into an accident or file a claim and will, therefore, have slightly lower premiums.

Your Gender

The same is true for your gender. Statistics show that females are slightly less likely to get into an accident and file a claim. Insurers take this into account when they set their rates in most states.

Your Driving Record

A more obvious factor is your driving record. If an insurer sees that you’ve gotten tickets or filed claims in the past, they will assume that you are more likely to file a claim in the future. You may be a safe driver, but upon reviewing your history, they will charge you more than drivers with a clean record.

If you’re convicted of driving while under the influence of alcohol, it will take several years for insurers to stop considering you a high-risk driver. In the interim, your premium rates will increase significantly. Many carriers won’t even be willing to issue you a policy. In addition, the state will require you to file an SR-22 certificate showing that you have the insurance you need to be allowed to drive legally.

The Lexus GS debuted in production year 1993 and gave the company bragging rights in the mid-size luxury sedan segment. Its gas engines produced a quiet, smooth ride but only delivered moderate mileage per gallon (mpg). Later models offered V4 and V6 hybrid engine options with 0-62 mph acceleration in as low as 5.9 seconds and combined city/highway gas mpg ranging from 37.9 to an impressive 48. Alloy wheels come in 17 or 19 inches, and wood or aluminum interior trims suit the full gamut of tastes. Superior sound and lots of room for five passengers cement the GS as a desirable luxury ride.