Auto Insurance Rate Quotes for a Lexus GS 350 in Virginia Beach

Discount Lexus GS 350 insuranceLooking for more affordable Lexus GS 350 insurance in Virginia Beach? Have you had enough of sacrificing to pay high insurance rates every month? You’re in the same situation as millions of other consumers.

It’s hard to believe, but most drivers in Virginia kept buying from the same company for four years or more, and virtually 40% of consumers have never even compared quotes to find affordable rates. American consumers could save themselves $850 a year by just shopping around, but they feel it’s too difficult to find affordable insurance rates.

Steps to buying cheaper Lexus GS 350 insurance in Virginia Beach

If saving the most money is your goal, then the best way to get the cheapest Lexus GS 350 insurance is to compare quotes annually from providers in Virginia Beach. You can compare prices by following these guidelines.

Step 1: Get an understanding of individual coverages and the measures you can take to keep rates low. Many rating criteria that result in higher rates like inattentive driving and poor credit can be eliminated by improving your driving habits or financial responsibility. Later in this article we will cover instructions to help keep rates affordable and find discounts that you may qualify for.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like Progressive or State Farm, while independent agencies can quote rates for a wide range of insurance providers. Compare rates

Step 3: Compare the new rate quotes to your current policy and determine if there is any savings. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.

Step 4: Provide proper notification to your current company of your intent to cancel the current policy. Submit payment and a completed application to the newly selected company. Immediately place the new certificate of insurance with the vehicle registration.

One thing to point out is to compare similar deductibles and liability limits on each quote and and to compare as many carriers as you can. This provides an apples-to-apples comparison and a good representation of prices.

Insurance companies such as GEICO, 21st Century and Progressive persitently shower you with ads and it is challenging if not impossible to ignore the propaganda and effectively compare rates to find the best deal.

It’s a great practice to take a look at other company’s rates at least once a year because insurance rates are variable and change quite frequently. Just because you found the lowest premium rates on Lexus GS 350 insurance in Virginia Beach two years ago a different company probably has better prices today. Forget anything you know (or think you know) about insurance because you’re about to learn how to use the internet to find lower rates on insurance.

Affordable companies for Lexus GS 350 insurance in Virginia

The following companies have been selected to offer comparison quotes in Virginia. If you want cheap auto insurance in VA, we recommend you get price quotes from several of them to find the lowest car insurance rates.

Rates and data analysis

The information below highlights different rate quotes for Lexus GS 350 models. Learning a little about how insurance premiums are formulated helps drivers make smart choices when comparing insurance rates.

Lexus GS 350 Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $216 $446 $248 $14 $74 $998 $83
GS 350 AWD $238 $504 $248 $14 $74 $1,078 $90
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can revise premiums greatly.

Smart Buyers Can Slash Their Insurance Premiums

Multiple criteria are used in the calculation when you quote your car insurance policy. Some are obvious such as your driving record, although some other factors are more transparent like your vehicle usage or your financial responsibility. Part of the car insurance buying process is learning the factors that are used to determine car insurance rates. If you know what impacts premium levels, this helps enable you to make changes that could result in lower premium levels.

Lower-cost Lexus GS 350 insurance rates in Virginia Beach

Car insurance is not cheap nor is it fun to buy but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be inquired about before you get the savings.Car insurance discounts

A quick disclaimer, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

The information below shows the comparison of Lexus GS 350 auto insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a female driver, a clean driving record, no claims, Virginia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, marriage, homeowner, and multi-car discounts applied.

Popular car insurance companies and a summarized list of policyholder discounts are included below.

If you want the cheapest Lexus GS 350 rate quotes, ask every company the best way to save money. All car insurance discounts may not be offered in your state. To choose companies that have a full spectrum of discounts in Virginia Beach, click this link.

Compare rates but buy from a local Virginia Beach insurance agency

Certain consumers just prefer to get advice from a local agent and that can be a smart move One of the benefits of getting free rate quotes online is that drivers can save money and get cheap auto insurance rates and still have an agent to talk to.

Insurance agents in Virginia BeachTo help locate an agent, after submitting this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area who can give free rate quotes and help you find cheaper coverage. You don’t have to search for any insurance agencies because quoted prices will be sent straight to your inbox. You can find lower rates without having to waste a lot of time. If you wish to compare prices from a specific auto insurance provider, don’t hesitate to jump over to their website to submit a rate quote request.

Deciding on a insurer should depend on more than just a cheap quote. The questions below may impact your decision as well.

If you are searching for a reliable insurance agent, you need to know there are two different types of agencies and how they function. Agencies in Virginia Beach are considered either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Exclusive insurance agents can only place business with one company such as Farmers Insurance or State Farm. Exclusive agents cannot compare other company’s rates so they are skilled at selling on more than just price. They are trained well on sales techniques which helps them sell on service rather than price.

The following are exclusive insurance agencies in Virginia Beach who can help you get comparison quotes.

2122 General Booth Blvd #102Virginia Beach, VA 23454(757) 721-3300View Map

700 Independence BlvdVirginia Beach, VA 23455(757) 499-0550View Map

4389 Virginia Beach BlvdVirginia Beach, VA 23462(757) 583-2200View Map

View more Virginia Beach agents

Independent Auto Insurance Agents

Independent agencies are not restricted to one company so as a result can place your coverage with many different companies and find the cheapest rate. If prices rise, your policy is moved internally and that require little work on your part.

When comparing auto insurance rates, you definitely need to compare prices from at a minimum one independent agency in order to compare the most rates.

Shown below are independent agencies in Virginia Beach willing to provide rate quotes.

1248 Culver LnVirginia Beach, VA 23454(757) 426-2664View Map

307 Lynnhaven Pkwy Ste 201Virginia Beach, VA 23452(757) 464-4443View Map

1127 Crystal Lake DrVirginia Beach, VA 23451(757) 491-8953View Map

View more Virginia Beach agents

After getting good responses to these questions as well as an affordable premium quote, most likely you have located an insurance agency that is reputable and can service your policy.

Ratings for Virginia auto insurance companies

Ending up with the best auto insurance company can be a challenge considering how many choices you have in Virginia. The rank data in the next section could help you select which auto insurers to look at to insure your vehicles.

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Car insurance is unique, just like you

When quoting and choosing coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.Higher deductibles save money

Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

In Summary

Drivers change insurance companies for any number of reasons including high rates after DUI convictions, delays in paying claims, not issuing a premium refund or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding the right car insurance provider is not as hard as you think.

Budget-conscious Lexus GS 350 insurance can be sourced on the web as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies may not offer the ability to get quotes online and most of the time these regional insurance providers prefer to sell through independent agents.

When getting Virginia Beach auto insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where someone dropped comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best cost while still protecting your assets.

Steps to finding low-cost rates for Lexus GS 350 insurance in Virginia Beach

The best way to get discount car insurance rates is to compare quotes annually from insurers who provide auto insurance in Virginia Beach.

  1. Try to understand policy coverages and the things you can change to prevent rate increases. Many factors that result in higher rates like speeding and poor credit rating can be eliminated by making small lifestyle or driving habit changes.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices 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 new rate quotes to the price on your current policy to see if you can save by switching companies. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The critical component of shopping around is that you’ll want to make sure you compare the same level of coverage on every quote and and to get price quotes from as many auto insurance providers as possible. This enables the most accurate price comparison and the best rate selection.

Much more information about car insurance in Virginia can be found at these links: