1999 Lexus SC 400 Insurance Quotes – 9 Tricks for Cheaper Rates

Want the cheapest car insurance rates for your Lexus SC 400? Tired of being strong-armed to buy car insurance? You’re in the same situation as many other drivers.

Drivers have so many auto insurance companies to purchase coverage from, and although it’s nice to have a selection, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

This information will help educate you on how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. But car owners need to have an understanding of how companies price insurance differently.

The method we recommend to get policy rate comparisons is to know the fact most larger insurance companies pay for the opportunity to provide you with free rate quotes. The one thing you need to do is provide a little information such as if you have a valid license, whether or not you need a SR-22, if you’re married, and daily mileage. The data is instantly submitted to multiple different insurance companies and you get price estimates instantly to find the best rate.

Discounts to lower Lexus SC 400 insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you quote, but a few need to be requested specifically before being credited.

  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for SC 400 coverage than their less cautious counterparts.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Homeowners Discount – Being a homeowner may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Low Mileage Discounts – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Multiple Cars – Having all your vehicles with the same company may reduce the rate for each vehicle.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for SC 400 coverage with certain companies.
  • One Accident Forgiven – A few companies will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck. But all discounts will help reduce your overall premium however.

To see a list of providers who offer car insurance discounts, click here.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Is business equipment covered while in my vehicle?
  • I have a DUI can I still get coverage?
  • When should my teen driver be added to my policy?
  • Am I covered when driving on a suspended license?
  • Can my teen driver be rated on a liability-only vehicle?
  • At what point should I drop full coverage?
  • Does my insurance cover a custom paint job?
  • Do I need roadside assistance coverage?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Do you really save 40% when you switch?

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies make the same claim that you can save if you change to them. How do they all say the same thing?

Different companies can use profiling for the driver they prefer to insure. For instance, a preferred risk could possibly be between the ages of 40 and 55, owns a home, and has a high credit rating. A customer who matches those parameters will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t measure up to the requirements will be quoted higher rates and ends up with business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That is how companies can advertise the way they do.

This emphasizes why you need to compare many company’s rates. It’s impossible to know which insurance companies will give you the biggest savings on Lexus SC 400 insurance.

Auto insurance coverage considerations

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types available from auto insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills like funeral costs, prosthetic devices, pain medications, chiropractic care and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance pays for damage to your SC 400 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox, sustaining damage from a pot hole, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as loss of income, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, fire damage, hitting a bird and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Quote often and quote early

Affordable 1999 Lexus SC 400 insurance can be sourced from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

When shopping online for insurance, you should never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability coverage limits only to discover later that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at the best price while not skimping on critical coverages.

Much more information about insurance can be found on the following sites: