Best Insurance for a Lexus GS 350 in Kansas City

Discount Lexus GS 350 insuranceIf saving money is your primary concern, then the best way to find lower priced Lexus GS 350 insurance in Kansas City is to start comparing prices yearly from providers who provide car insurance in Missouri.

A valuable tip to remember is to compare the same coverage limits and deductibles on every quote and and to get prices from as many different companies as possible. Doing this ensures an accurate price comparison and a better comparison of the market.

Unthinkable but true, over 70% of consumers renewed their policy with the same company for a minimum of four years, and about 40% of consumers have never compared rate quotes at all. Missouri consumers can cut their rates by $300 a year just by getting comparison quotes, but they underestimate the actual amount they would save if they swap their current policy for a cheaper one.

There are several ways to compare rate quotes from many different Missouri insurance companies. By far the easiest way to comparison shop involves getting comparison quotes online. When price shopping your coverage, quoting more helps locate more affordable insurance. Not every company allows you to get Kansas City GS 350 insurance quotes online, so you need to compare price estimates from the smaller companies as well.

The companies in the list below have been selected to offer quotes in Missouri. To find cheap car insurance in Kansas City, we suggest you visit several of them in order to find the most competitive rates.

Insurance rate breakdown

The information below outlines detailed analysis of insurance rates for Lexus GS 350 models. Understanding more about how insurance quotes are figured can be valuable when making smart buying decisions.

Lexus GS 350 Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
GS 350 $254 $542 $274 $16 $82 $1,168 $97
GS 350 AWD $280 $612 $274 $16 $82 $1,264 $105
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle location which can impact insurance rates greatly.

Three reasons auto insurance is important

Despite the high cost, auto insurance serves a purpose in several ways.

The benefits of insuring your car are without a doubt worth the cost, especially for larger claims. According to a recent study, the average American driver is wasting up to $700 annually so it’s very important to do a rate comparison at every renewal to make sure the price is not too high.

Save with these ten price cutting discounts

Companies that sell car insurance don’t always list the entire discount list in an easy-to-find place, so the following is a list of both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Kansas City car insurance online.Insurance discounts

Don’t be shocked that most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky. Any amount of discount should help reduce your insurance premiums.

The diagram below compares Lexus GS 350 premium costs with and without discounts applied to the policy rates. The rates are based on a male driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.

To find insurers who offer discounts in Missouri, click this link.

Auto insurance is unique, just like you

When quoting and choosing coverage online or from an agent for your vehicles, there really is no one-size-fits-all type of policy. Everyone’s situation is unique so this has to be addressed.Drive safe and save
For instance, these questions could help you determine if your situation would benefit from professional advice.

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Compare rate quotes but buy from a local neighborhood Kansas City car insurance agent

Many people prefer to have an agent’s advice and doing so can bring peace of mind An additional benefit of comparing rate quotes online is that you can find cheap car insurance rates and also buy local. And providing support for local insurance agents is still important in Kansas City.

Once you complete this simple form, your insurance coverage information is submitted to participating agents in Kansas City that provide free Kansas City car insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact an agency as quotes are delivered instantly to you. You can find the lowest rates AND a local agent. If for some reason you want to get a price quote from one company in particular, you can always find their quoting web page and fill out their quote form.

What type of Kansas City auto insurance agent is right for you?

If you want to buy car insurance from an insurance agent, it’s important to understand the types of agencies and how they work. Car insurance agencies can either be exclusive agents or independent agents.

Independent Insurance Agents

These agents often have many company appointments so they can quote policies amongst many companies and get the cheapest rates. If you are not satisfied with one company, they can switch companies in-house and that require little work on your part. When shopping rates, you should always contact several independent insurance agents for maximum quote selection. They also have the ability to place coverage with different regional companies that can offer cheaper rates than bigger companies.

Listed below is a short list of independent agencies in Kansas City that may be able to give you free car insurance rate quotes.

More Kansas City agents

Exclusive Car Insurance Agencies

Agents that elect to be exclusive generally can only insure with one company like State Farm, Allstate and AAA. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive agencies are highly trained on their company’s products which helps offset the inability to provide other markets. Consumers sometimes use the same agent mostly because of the prominence of the brand rather than having low rates.

Shown below are Kansas City exclusive agencies that can give you comparison quotes.

More Kansas City agents

Finding the right insurance agent needs to be determined by more than just the bottom line cost. Below are some questions you should ask.

After getting answers to your satisfaction as well as offering an affordable quote, you may have found an auto insurance agent that can properly insure your vehicles. Just remember you can always cancel your coverage whenever you want so never assume that you are permanently stuck with your new company with no way to switch.

Auto insurance policy specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. Listed below are the usual coverages offered by auto insurance companies.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your GS 350 to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Lexus GS 350.

Due to the fact that many Missouri drivers have only the minimum liability required by law (which is 25/50/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Liability insurance

This coverage will cover injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/10 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, medical expenses, court costs, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford. Missouri requires minimum liability limits of 25/50/10 but you should think about purchasing better liability coverage.

The next chart shows why buying minimum limits may not be enough coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, a broken windshield and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses such as rehabilitation expenses, pain medications, X-ray expenses, nursing services and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Persistent drivers can save

Lower-priced Lexus GS 350 insurance in Kansas City can be bought both online as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies don’t offer the ability to get quotes online and many times these regional carriers prefer to sell through local independent agencies.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. Too many times, someone dropped full coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

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