Want to know how to find the cheapest Lexus GX 460 insurance in San Francisco? Finding better insurance prices for a Lexus GX 460 in California could be a lot of work, but you can use these tips to save time.
There is a better way to buy car insurance and we’ll show you the proper way to get price quotes for a Lexus and get the best price possible from San Francisco insurance agents and online providers.
The easiest way to compare car insurance company rates for Lexus GX 460 insurance in San Francisco is to know car insurance companies participate in online systems to provide you with free rate quotes. To start a quote, the only thing you need to do is provide details such as how you use your vehicles, whether you are single or married, how old drivers are, and what you do for a living. The rating information gets transmitted to multiple companies and you should receive rate quotes with very little delay.
To start a rate quote now, click here and complete the quick form.
The companies shown below are our best choices to provide price quotes in California. If multiple companies are shown, it’s highly recommended you visit as many as you can to get the most competitive price.
Rates and statistics
The rate information displayed next showcases a range of coverage costs for Lexus GX 460 models. Having a good grasp of how auto insurance prices are calculated can assist in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GX 460 4WD 4-Dr | $412 | $912 | $500 | $30 | $150 | $2,004 | $167 |
| GX 460 Premium 4WD 4-Dr | $454 | $912 | $500 | $30 | $150 | $2,046 | $171 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Estimates do not factor in your specific San Francisco location which can affect prices significantly.
The information below shows how different deductible levels and can impact Lexus GX 460 insurance prices for different insured age categories. The price estimates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
Rate comparison of males versus females in San Francisco
The example below illustrates the difference between Lexus GX 460 insurance costs for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The chart below compares Lexus GX 460 insurance costs with full coverage compared to only the California minimum liability coverage. The information is based on no violations or accidents, $100 deductibles, single marital status, and no discounts are factored in.
When to eliminate full coverage
There isn’t a written rule to stop buying physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Lexus GX 460 settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after the policy deductible has been paid. If premiums are more than $400 annually for full coverage, then you might consider buying liability only.
There are some cases where buying only liability insurance is not advised. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Car insurance does more than just repair your car
Despite the fact that car insurance is not cheap in San Francisco, insuring your vehicle may be required for several reasons.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your GX 460, almost every bank will require that you carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Lexus for a lot more money and make you pay the higher price.
- Car insurance protects not only your Lexus but also your assets. Insurance will also pay for medical transport and hospital expenses incurred in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having insurance definitely exceed the price paid, particularly for liability claims. As of last year, the average driver in California is wasting up to $825 a year so compare rates every year to help ensure money is not being wasted.
Auto insurance coverages explained
Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist coverage
This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lexus GX 460.
Since many California drivers carry very low liability coverage limits (15/30/5), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liability limits.
Comprehensive coverage
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as fire damage, hitting a deer, damage from getting keyed, theft and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision protection
This coverage will pay to fix damage to your GX 460 resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as crashing into a building, driving through your garage door, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your GX 460 in order to get cheaper collision rates.
Liability auto insurance
Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 15/30/5 which stand for $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and property damage coverage for $5,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as structural damage, repair costs for stationary objects, funeral expenses and medical services. How much liability should you purchase? That is your choice, but buy higher limits if possible. California requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.
The chart below demonstrates why low liability limits may not provide adequate coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, pain medications, dental work, X-ray expenses and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Keep this in mind when shopping around
Lower-priced auto insurance in San Francisco can be bought both online and from local agencies, so you should compare both to have the best selection. A few companies may not provide online rate quotes and usually these regional insurance providers work with independent agencies.
People change insurance companies for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, being labeled a high risk driver or even unfair underwriting practices. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.
We just presented a lot of techniques to get a better price on Lexus GX 460 insurance in San Francisco. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest rates are with a lesser-known regional company.
How to find lower priced Lexus GX 460 insurance in San Francisco
If your goal is the lowest price, then the best way to get budget Lexus GX 460 insurance in San Francisco is to regularly compare prices from companies in California. You can compare rates by following these steps.
Step 1: Get an understanding of how insurance companies determine prices and the measures you can control to keep rates low. Many things that increase rates such as tickets, at-fault accidents, and a negative credit rating can be rectified by making lifestyle changes or driving safer.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can quote rates from multiple sources.
Step 3: Compare the new rate quotes to your existing policy to determine if you can save on GX 460 insurance in San Francisco. If you find better rates, make sure coverage does not lapse between policies.
One tip to remember is to try to compare the same coverage limits and deductibles on each quote and and to get price quotes from as many companies as feasibly possible. This provides a fair rate comparison and the best rate selection.
More learning opportunities
- Think You’re a Safe Driver? (State Farm)
- Who Has Cheap Auto Insurance for Business Use in San Francisco? (FAQ)
- Who Has the Cheapest Auto Insurance After a Speeding Ticket in San Francisco? (FAQ)
- What Car Insurance is Cheapest for a Honda Pilot in San Francisco? (FAQ)
- How Much is San Francisco Car Insurance for Drivers Under 21? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- What is Full Coverage? (Allstate)