Sad but true, a large majority of consumers have purchased from the same company for at least the last four years, and 38% of drivers have never even compared quotes to find affordable rates. Many drivers in Arizona could pocket about 50% a year by just comparing rate quotes, but they won’t spend time to shop around.
It takes a little time, but the best way to save on Lexus GS 450h insurance is to start doing a yearly price comparison from different companies who can sell car insurance in Tucson. Price quotes can be compared by following these steps.
- Get a basic knowledge of what coverages are included in your policy and the factors you can control to prevent expensive coverage. Many policy risk factors that result in higher prices such as at-fault accidents and a less-than-favorable credit score can be amended by making minor driving habit or lifestyle changes.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while agents who are independent can provide prices from multiple insurance companies.
- Compare the quotes to the premium of your current policy and determine if cheaper GS 450h coverage is available in Tucson. If you find better rates and make a switch, verify that coverage does not lapse between policies.
One thing to remember is that you use similar deductibles and liability limits on each quote and and to look at all possible companies. This guarantees an accurate price comparison and many rates to choose from.
If you currently have insurance, you should be able to reduce the price you pay using these techniques. Comparison shopping for the best-priced insurance in Tucson is easy if you know what you’re doing. Nevertheless, Arizona consumers can benefit by having an understanding of how big insurance companies calculate your insurance rates because it varies considerably.
Buy Tucson Lexus GS 450h insurance online
When comparison shopping, more quotes helps locate a better price. Not every company does Tucson GS 450h insurance quotes online, so it’s important to compare rates from them as well.
The following companies are our best choices to provide comparison quotes in Arizona. In order to find the best auto insurance in Tucson, we recommend you visit as many as you can to get the cheapest price.
Here’s why auto insurance is not optional
Despite the potentially high cost of Lexus GS 450h insurance, insurance is a good idea for several reasons.
First, most states have minimum liability requirements which means the state requires specific limits of liability coverage if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Lexus GS 450h, it’s most likely the lender will force you to have full coverage to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Lexus at a significantly higher premium and require you to reimburse them the higher price.
Third, insurance safeguards not only your car but also your financial assets. It will also reimburse you for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying auto insurance are definitely more than the cost, especially if you ever need it. On average, a vehicle owner in Tucson is overpaying more than $850 per year so it’s very important to do a rate comparison at every renewal to be sure current rates are still competitive.
Car insurance statistics and figures
The price information shown below showcases estimates of prices for Lexus GS 450h models. Having knowledge of how premiums are calculated is important to be able to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 450H Hybrid | $322 | $600 | $300 | $18 | $90 | $1,330 | $111 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price information does not factor in specific zip code location which can raise or lower rates considerably.
Can higher deductibles save money?
When buying car insurance, a common question is where to set your physical damage deductibles. The comparisons below may help you to understand the premium difference when you buy lower versus higher coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 450H Hybrid | $358 | $716 | $300 | $18 | $90 | $1,507 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GS 450H Hybrid | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Estimates do not factor in zip code location which can modify auto insurance rates noticeably.
Based on the data above, we can derive that using a $100 deductible costs about $44 more each month or $528 for a full year than opting for the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claims, you would save more money if you elect the higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $126 |
| Average monthly premium for $1,000 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $44 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $44 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
One thing to be aware of is that a higher deductible results in a higher out-of-pocket expense at claim time. That will force you to have some extra funds in the event you need to pay more for the deductible.
The illustration below demonstrates how deductibles and can affect Lexus GS 450h insurance rates for different age groups. The rates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.
Insurance rate increases from tickets or accidents
The information below demonstrates how speeding tickets and accident claims can impact Lexus GS 450h insurance prices for different categories of driver ages. The prices are based on a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
Car insurance cost for men versus women
The information below illustrates the comparison of Lexus GS 450h car insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single marital status, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The information below illustrates the comparison of Lexus GS 450h insurance costs with and without physical damage coverage. The premiums are based on no violations or claims, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Should you pay for full coverage or liability only?
There is no definitive guideline for eliminating physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s say your Lexus GS 450h claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are paying in excess of $700 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
These discounts can lower your auto insurance quotes
Car insurance is not cheap, but you may qualify for discounts that may help make it more affordable. Many discounts should be triggered at the time of purchase, but some need to be specifically requested prior to getting the savings.
- Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
- Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Tucson and don’t have a car may qualify for this discount.
- New Vehicle Savings – Buying a new car instead of a used GS 450h can be considerably cheaper because newer models keep occupants safer.
- Telematics Devices – Insureds who allow data collection to scrutinize when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise could possibly reduce rates if they show good driving skills.
- Passive Restraint Discount – Vehicles equipped with air bags may qualify for discounts up to 30%.
- Braking Control Discount – Cars with anti-lock braking systems are safer to drive and the ABS can save up to 10%.
We need to note that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works.
The example below shows the difference between Lexus GS 450h car insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, safe-driver, claim-free, and homeowner discounts applied.
To view companies that provide some of the discounts listed above in Arizona, click this link.
Local Tucson auto insurance agents and auto insurance
Some consumers still prefer to buy from a local agent and there is nothing wrong with that. One of the benefits of comparing rate quotes online is the fact that drivers can get lower rates but also keep your business local.
Upon completion of this simple form, your information is transmitted to local insurance agents in Tucson who will give you quotes and help you find cheaper coverage. You won’t need to contact any insurance agencies since rate quotes are delivered immediately to you. You can find lower rates AND a local agent. If you want to compare prices from a specific company, you just need to find their quoting web page and submit a quote form there.
Choosing the best company requires you to look at more than just a cheap price. These are some questions you should get answers to.
- How are they compensated?
- Do the agents have professional certifications like CPCU or CIC?
- Will the quote change when the policy is issued?
- Which company do they place the most coverage with?
- Will one accident increase rates?
- How many years of experience in personal auto insurance do they have?
- What is the agency’s Better Business Bureau rating?
- Do they review policy coverages at every renewal?
Two types of Tucson auto insurance agents
If you want to use a reliable insurance agency, it’s important to understand the different types of agencies and how they differ in how they quote coverages. Auto insurance agents in Tucson may be either independent agents or exclusive agents.
Exclusive Agents
Exclusive agents generally can only insure with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on sales techniques which can be an advantage. Some consumers prefer to use the same agent partially due to high brand loyalty and strong financial ratings.
Shown below are exclusive agents in Tucson that can give you rate quotes.
- Melissa Tureaud – State Farm Insurance Agent
7487 E Broadway Blvd – Tucson, AZ 85710 – (520) 296-9525 – View Map - Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800 – View Map - Kevin Dale – State Farm Insurance Agent
5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184 – View Map
Independent Auto Insurance Agents
Independent insurance agents are not required to write business for one company and that enables them to quote your coverage with multiple insurance companies and get you the best rates possible. To transfer your coverage to a different company, your agent can just switch to a different company which is easy for the insured. If you are trying to find cheaper rates, you will want to get insurance quotes from multiple independent agents in order to have the best price comparison. Most also write with smaller regional carriers which can save you money.
Shown below are independent agents in Tucson that are able to give price quotes.
- DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map - ETNA INSURANCE AGENCY, INC.
3430 N 1st Ave #2 – Tucson, AZ 85719 – (520) 887-4700 – View Map - Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886 – View Map
What insurance coverages do I need?
When buying a policy for your vehicles, there really isn’t a one-size-fits-all type of policy. Your financial needs are unique.
For example, these questions could help you determine whether you may require specific advice.
- If I drive on a suspended license am I covered?
- How long can I keep a teen driver on my policy?
- Should I rate my Lexus GS 450h as pleasure use or commute?
- Does my personal policy cover me when driving out-of-state?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Does my insurance cover a custom paint job?
- Should I sign the liability waiver when renting a car?
- Is business property covered if stolen from my car?
- If my Lexus GS 450h is totaled, can I afford another vehicle?
- Should I have combined single limit or split liability limits?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
In the end, you can save money
When you buy Tucson car insurance online, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
People change insurance companies for many reasons like being labeled a high risk driver, delays in responding to claim requests, high prices and even delays in paying claims. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.
The cheapest Lexus GS 450h insurance in Tucson can be sourced from both online companies in addition to many Tucson insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies don’t offer online quoting and many times these regional insurance providers prefer to sell through independent agents.
More resources
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for Veterans in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Safe Drivers in Tucson? (FAQ)
- Who Has Cheap Tucson Car Insurance Rates for a School Permit? (FAQ)
- What Insurance is Cheapest for a Toyota Camry in Tucson? (FAQ)
- Who Has Affordable Auto Insurance for Low Mileage Drivers in Tucson? (FAQ)
- How Much is Auto Insurance for a Subaru Impreza in Tucson? (FAQ)
- What Car Insurance is Cheapest for a Ford Fusion in Tucson? (FAQ)
- How Much is Auto Insurance for Handicapped Drivers in Tucson? (FAQ)
- How Much is Auto Insurance for 16 Year Olds in Tucson? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Electronic Stability Control FAQ (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)