It’s safe to assume that car insurance companies want to prevent you from shopping around. People who shop for lower prices are highly likely to switch to a new company because there is a good chance of finding a lower-cost company. A survey found that drivers who faithfully checked for cheaper rates saved over $850 each year compared to people who never shopped around for lower prices.
If finding the cheapest rates on car insurance is the reason for your visit, then having a grasp of how to compare coverage rates can save time and money.
It takes a little time, but the best way to find cheaper Lexus GS 450h insurance is to do an annual price comparison from insurance carriers in Kansas City.
Step 1: Take a little time to learn about auto insurance and the things you can control to drop your rates. Many rating criteria that cause rate increases like high-risk driving behaviors and a negative credit history can be eliminated by making lifestyle changes or driving safer. Later in this article we will cover instructions to get low prices and find additional discounts you may qualify for.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple insurance companies. Begin your rate comparison
Step 3: Compare the price quotes to the price on your current policy to see if you can save by switching companies. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Notify your company or agent of your intent to cancel the current policy and submit a completed application and payment to your new carrier. Don’t forget to put the certificate verifying coverage somewhere easily accessible.
A good tip to remember is that you use identical limits and deductibles on every price quote and and to get price quotes from as many different companies as possible. This enables an accurate price comparison and a complete rate analysis.
Low Cost companies for Lexus GS 450h insurance in Missouri
The car insurance companies shown below are ready to provide quotes in Missouri. In order to find cheap car insurance in MO, we recommend you get price quotes from several of them to get the most competitive price.
Insurance coverage analysis
The coverage table shown below showcases a range of policy rates for Lexus GS 450h models. Learning as much as possible about how prices are figured can help customers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 450H Hybrid | $176 | $334 | $266 | $16 | $80 | $872 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can impact coverage rates greatly.
Can higher deductibles save money?
One frequently asked question is which deductible level should you buy. The following insurance rates may aid in understanding the rate fluctuation between low and high deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 450H Hybrid | $286 | $532 | $266 | $16 | $80 | $1,205 | $100 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 450H Hybrid | $232 | $430 | $266 | $16 | $80 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in vehicle garaging location which can impact price quotes substantially.
Based on these figures, using a $250 deductible will cost you approximately $15 more each month or $180 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 17 months between claim filings, you would save money going with the higher deductible.
Rate comparison of males versus females in Kansas City
The example below illustrates the comparison of Lexus GS 450h annual premium costs for male and female drivers. The price estimates are based on a clean driving record, no claims, full coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Should you buy full coverage?
The information below shows the difference between Lexus GS 450h car insurance rates with full coverage and liability only. The premiums assume no claims or violations, $500 deductibles, single status, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule to stop buying physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s say your Lexus GS 450h settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after the deductible is paid. If premium cost is more than $300 annually for your policy with full coverage, then it could be time to drop full coverage.
There are a few situations where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Informed Consumers Know How to Quote Auto Insurance Cheaper
Lots of things are part of the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, although others are not quite as obvious such as your credit history or your vehicle rating.
- Vehicle features can affect prices – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Systems that thwart thieves such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft and help lower rates.
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Responsible drivers pay lower rates – Drivers who don’t get tickets pay lower auto insurance prices than bad drivers. Having a single citation may cause rates to rise by as much as thirty percent. Drivers who get license-revoking violations such as DUI or willful reckless driving may find that they have to to maintain a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
The example below shows how speeding tickets and fender-benders raise Lexus GS 450h insurance costs for each age group. The price estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.
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Youthful drivers pay high prices – Inexperience drivers are statistically proven to be less responsible when at the wheel of a vehicle therefore auto insurance rates are much higher. Older, more experienced drivers are more responsible, statistically cause fewer accidents, and receive fewer citations.
The following chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Cheaper rates with safer cars – Vehicles with high crash test scores can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you.
- Low credit rating equals high costs – Having a good credit rating can be an important factor in determining premium rates. Insureds that have excellent credit scores tend to be better risks to insure than drivers with lower credit scores. So if your credit rating leaves room for improvement, you could pay less to insure your Lexus GS 450h by improving your credit score.
- Where do you drive? – The more you drive your Lexus every year the more you will pay for auto insurance. Most insurance companies calculate rates partially by how you use the vehicle. Autos that do not get driven very much can be on a lower rate level than those that get driven frequently. It’s always a good idea to double check that your auto insurance policy states how each vehicle is driven. An incorrectly rated GS 450h can result in significantly higher rates.
- Liability protection is critical – A critical coverage on your policy, liability insurance is the protection when a court rules you are at fault for an accident. Liability insurance provides for a legal defense which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
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Insurance loss probability for a Lexus GS 450h – Companies use historical loss data to help calculate premium costs. Models that historically have increased claim numbers or amounts will have higher rates.
The next table shows the insurance loss data used by companies for Lexus GS 450h vehicles. For each policy coverage type, the loss probability for all vehicles compiled together is a value of 100. Values that are under 100 suggest a positive loss record, while numbers above 100 point to more frequent losses or an increased probability of a larger loss.
Auto Insurance Loss Data for Lexus GS 450h Models Specific Lexus Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Lexus GS 450h Hybrid 4dr 208 250 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance discounts help lower rates for Lexus GS 450h insurance in Kansas City
Some insurers don’t always publicize all possible discounts very well, so the following list contains both the well known and the harder-to-find discounts you could be receiving when you buy Kansas City car insurance online.
- Resident Student – College-age children who are attending college and leave their car at home could get you a discount.
- Low Mileage Discounts – Maintaining low annual mileage could earn cheaper rates.
- Multiple Cars – Buying insurance for more than one vehicle with the same auto insurance company can reduce rates for all insured vehicles.
- Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you can actually save on your bill.
- ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
- Responsible Driver Discount – Drivers without accidents can save as much as half off their rates than their less cautious counterparts.
Just know that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will cut your overall bill.
The information below visualizes the comparison of Lexus GS 450h insurance prices with and without some available policy discounts. The information is based on a female driver, no claims or violations, Missouri state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, multi-car, homeowner, and claim-free discounts applied.
Popular auto insurance companies and the discounts they provide are shown below.
- State Farm may offer discounts for student away at school, Steer Clear safe driver discount, good student, accident-free, passive restraint, multiple policy, and Drive Safe & Save.
- Esurance may have discounts that include defensive driver, good student, multi-policy, safety device, good driver, and Switch & Save.
- Progressive offers discounts for multi-policy, homeowner, continuous coverage, online quote discount, multi-vehicle, online signing, and good student.
- Liberty Mutual includes discounts for newly retired, exclusive group savings, new move discount, preferred payment discount, new vehicle discount, good student, and teen driver discount.
- Auto-Owners Insurance has discounts for paid in full, paperless, safe vehicle, anti-theft, mature driver, and multiple vehicles.
- GEICO may include discounts for daytime running lights, good student, five-year accident-free, defensive driver, multi-policy, and seat belt use.
When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Savings might not be available to policyholders everywhere. To see a list of insurance companies who offer cheap Lexus GS 450h insurance quotes in Kansas City, click here.
Car insurance agents are professional risk managers
A small number of people would rather get professional advice from a licensed agent and that is not a bad decision An additional benefit of comparing rate quotes online is you may find cheaper premium rates and still have a local agent. And providing support for small agencies is especially important in Kansas City.
After completing this form (opens in new window), the coverage information is sent to insurance agents in Kansas City who will gladly provide quotes for your insurance coverage. You never need to do any legwork due to the fact that quote results will go immediately to you. You’ll get the best rates AND a local agent. If you have a need to compare rates from a particular provider, don’t hesitate to jump over to their website and fill out their quote form.
Different types of Kansas City car insurance agents
If you’re trying to find a reliable agent, you should know the different types of agencies and how they are slightly different. Insurance agencies in Kansas City are classified as either exclusive agents or independent agents.
Independent Agencies or Brokers
Agents that choose to be independent are not locked into one company so they can write business through many companies and get the cheapest rates. If premiums increase, they simply move the coverage in-house without you having to go to a different agency. If you are comparing insurance prices, you will definitely want to include price quotes from at least one independent agent to maximize your price options. Most also have access to smaller companies which could offer lower prices.
The following is a small list of independent insurance agents in Kansas City that may be able to give free insurance rate quotes.
- Francisco Banuelos Insurance
536 Benton Blvd – Kansas City, MO 64124 – (816) 920-5400 – View Map - Banuelos Insurance Agency LLC
902 Southwest Blvd – Kansas City, MO 64108 – (816) 994-3600 – View Map - Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map
Exclusive Insurance Agents
Agents of this type can only provide one company’s prices such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive agencies are usually well trained on their company’s products which aids in selling service over price. Some people will only buy from the same agent for years partially due to loyalty to the company rather than low rates.
Below are Kansas City exclusive agents willing to provide price quote information.
- State Farm: Bret Farrar
6406 E 87th St #103 – Kansas City, MO 64138 – (816) 333-4445 – View Map - State Farm: Steve Conway
1404 NW Vivion Rd – Kansas City, MO 64118 – (816) 452-6700 – View Map - American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300 – View Map
Picking the best insurance agent needs to be determined by more than just the quoted price. These are some questions you should get answers to.
- Are there any extra charges for paying monthly?
- Do they specialize in personal lines auto insurance in Kansas City?
- Can they help ensure a fair claim settlement?
- How many years of experience in personal auto insurance do they have?
- How would your car be valued if totaled?
- What are their preferred companies if they are an independent agency?
- Will a damage claim use OEM or aftermarket replacement parts?
- Does their agency support local causes in Kansas City?
Which is the best car insurance?
When it comes to your policy, there isn’t really a “perfect” insurance plan. Your needs are unique to you so your insurance needs to address that.
Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.
- Are combined or split liability limits better?
- Am I covered if my car is in a flood?
- Do I need an umbrella policy?
- When should I have rental car coverage?
- Exactly who is provided coverage by my policy?
- Am I covered if I hit my neighbor’s mailbox?
- Can I get by with minimal medical coverage if I have good health insurance?
- Can I make deliveries for my home business?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
Be persistent to save money
When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability limits or collision coverage only to discover later that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.
We just covered a lot of information how to find cheap Lexus GS 450h insurance in Kansas City. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting inexpensive Kansas City car insurance quotes. You may even be surprised to find that the lowest priced car insurance comes from the least-expected company. Smaller companies often have lower auto insurance rates on specific markets compared to the large companies like State Farm or Progressive.
For more information, link through to the following helpful articles:
- Crash Avoidance Technologies FAQ (iihs.org)
- What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance After a Speeding Ticket? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)