Vehicles > Lexus > GX 460

Lexus GX 460 Insurance Cost

Comparing car insurance through online companies saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to get rates from all companies in order to have the lowest rate quotes.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes and find the best price. By far the easiest way to compare Lexus GX 460 insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine Lexus GX 460 insurance quotes?

Insurance premiums on a Lexus GX 460 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your job
  • Insurance coverage level
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new Lexus models so the cost to replace them may end up costing you less. Although more recent Lexus vehicles have more advanced features included like a telematics system, a collision avoidance system, tire pressure monitors, and traction control which may lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Coverage for liability

This will cover damages or injuries you inflict on people or other property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your Lexus resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your Lexus GX 460 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper Lexus GX 460 insurance cost.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Lexus GX 460 Insurance Rates?