Lower Your 1996 Lexus SC 300 Car Insurance Rates

Want cheaper auto insurance rates for your Lexus SC 300? No one enjoys paying for auto insurance, especially when they are aware that it costs too dang much. Big companies like Progressive, State Farm and GEICO continually hit you with ad campaigns and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

It’s a good habit to compare prices occasionally due to the fact that insurance prices tend to go up over time. Even if you think you had the lowest price on SC 300 insurance last year there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

Compare auto insurance price quotes online

Getting cheap 1996 Lexus SC 300 auto insurance pricing is pretty simple and can save money. Consumers just need to spend a few minutes on the computer to compare rate quotes from some recommended companies. This can be accomplished by using one of the methods below.

  • The recommended way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This quick form prevents you from having to do a different quote for each company. One form will return quotes from several companies.
  • A more time consuming way to get quotes online requires you to visit each individual company website and fill out a new quote form. For examples sake, let’s assume you are doing a rate comparison from Auto-Owners, Safeco and Progressive. To get rate quotes you would need to go to every website to input your insurance information, which is not fast way to get rate quotes.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but compare equivalent coverages for every company. If your comparisons have different coverage information it’s impossible to decipher which rate is best.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different so this has to be addressed. These are some specific questions can help discover if your situation would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does coverage extend to my business vehicle?
  • What is covered by UM/UIM coverage?
  • Are my friends covered when driving my 1996 Lexus SC 300?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I hit a deer?
  • When should I remove comp and collision on my 1996 Lexus SC 300?
  • Should I buy additional glass protection?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Coverages available on your insurance policy

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Collision – This coverage covers damage to your SC 300 caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, rolling your car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Lexus SC 300.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses for dental work, ambulance fees, EMT expenses and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, damage from flooding, vandalism, fire damage and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages – This coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.