Cheapest Quotes for Lexus LS 460 Insurance in San Francisco

Insurance quote for Lexus LS 460 in San FranciscoThe preferred way to find cheaper prices for auto insurance rates is to compare prices at least once a year from companies in San Francisco. Prices can be compared by following these steps.

Step 1: Gain an understanding of how car insurance works and the things you can change to drop your rates. Many things that cause rate increases such as accidents, careless driving, and an unacceptable credit score can be improved by improving your driving habits or financial responsibility.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can quote rates from multiple insurance companies. Get quotes now

Step 3: Compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save money, ensure coverage does not lapse between policies.

Step 4: Notify your current company to cancel your current policy and submit payment along with a signed and completed policy application to your new company or agent. Once the application is submitted, keep the new certificate verifying proof of insurance in your glove compartment.

The key aspect of shopping around is to try to compare the same deductibles and limits on every quote request and to quote with as many companies as feasibly possible. Doing this helps ensure a fair price comparison and and a good selection of different prices.

It’s an obvious assumption that auto insurance companies don’t want policyholders to shop around. People who shop around once a year will probably buy a new policy because the odds are good of finding better rates. A recent study showed that drivers who did price comparisons regularly saved as much as $3,400 over four years compared to people who never shopped around for cheaper prices.

If finding the best price on Lexus LS 460 insurance in San Francisco is your ultimate target, then having some knowledge of how to find and compare coverage rates can save time and make the process easier.

All the larger auto insurance companies give coverage price quotes directly from their websites. Obtaining pricing for Lexus LS 460 insurance in San Francisco is fairly simple because you just enter your personal and coverage information into the form. After you complete the form, their system sends out for your credit score and driving record and generates pricing information. Using the web to get quotes for Lexus LS 460 insurance in San Francisco makes comparing rates easy, and it’s also necessary to do this in order to get lower-cost rates.

To quickly compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you copy the limits and deductibles exactly as shown on your declarations page. This helps ensure you’re receiving rate comparison quotes for exact coverage.

The companies shown below offer free quotes in California. If several companies are displayed, we suggest you compare several of them to get the best price comparison.

Discounts for lower-cost car insurance rates

Companies that sell car insurance don’t always advertise the complete list of policy discounts very clearly, so the list below contains some of the more common and also the more inconspicuous discounts that you can inquire about if you buy San Francisco car insurance online.Car insurance discounts

We need to note that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any qualifying discounts will lower your policy cost.

The example below shows the comparison of Lexus LS 460 car insurance costs with and without some available policy discounts. The premiums are based on a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, homeowner, and claim-free discounts applied.

Companies that may offer these discounts are:

Check with every insurance company how you can save money. Discounts might not be offered on policies in San Francisco. If you would like to choose from a list of providers with discount rates in San Francisco, click here.

Facts and figures for Lexus LS 460 insurance

The rate information displayed next covers estimates of insurance coverage prices for Lexus LS 460 models. Being more informed about how insurance quotes are formulated can help drivers make decisions on which insurance to purchase.


Lexus LS 460 Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LS 460 4-Dr Sedan $274 $608 $394 $24 $118 $1,418 $118
LS 460 4-Dr Sedan $274 $608 $394 $24 $118 $1,418 $118
LS 460 AWD 4-Dr $274 $608 $394 $24 $118 $1,418 $118
LS 460 L 4-Dr Sedan $274 $608 $394 $24 $118 $1,418 $118
LS 460 L AWD 4-Dr $274 $608 $394 $24 $118 $1,418 $118
Get Your Own Custom Quote Go

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in your specific San Francisco location which can change rates noticeably.

Rate comparison for different deductibles

One common question asked by San Francisco drivers is how high should the physical damage deductibles be. The following tables can help show how much more rates are when you select higher and lower comp and collision deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.


Lexus LS 460 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LS 460 4-Dr Sedan $518 $986 $376 $22 $112 $2,039 $170
LS 460 4-Dr Sedan $518 $986 $376 $22 $112 $2,039 $170
LS 460 AWD 4-Dr $518 $986 $376 $22 $112 $2,039 $170
LS 460 L 4-Dr Sedan $518 $986 $376 $22 $112 $2,039 $170
LS 460 L AWD 4-Dr $518 $986 $376 $22 $112 $2,039 $170
Get Your Own Custom Quote Go

Lexus LS 460 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LS 460 4-Dr Sedan $320 $620 $376 $22 $112 $1,450 $121
LS 460 4-Dr Sedan $320 $620 $376 $22 $112 $1,450 $121
LS 460 AWD 4-Dr $320 $620 $376 $22 $112 $1,450 $121
LS 460 L 4-Dr Sedan $320 $620 $376 $22 $112 $1,450 $121
LS 460 L AWD 4-Dr $320 $620 $376 $22 $112 $1,450 $121
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can revise rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $49 more each month or $588 each year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 15 months between claims, you would probably be better off if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $170
Average monthly premium for $1,000 deductibles (subtract): – $121
Monthly savings from raising deductible: $49
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $49
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

An important thing to remember is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a physical damage claim. You must have some savings in the event you need to pay the higher deductible.

The chart below illustrates how your choice of deductibles and can influence Lexus LS 460 insurance costs for different insured age categories. The data is based on a single male driver, comp and collision included, and no policy discounts are applied.

Does it make sense to buy full coverage?

The illustration below illustrates the difference between Lexus LS 460 insurance rates with full coverage compared to only the California minimum liability coverage. Data assumes a clean driving record, no claims, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

When to switch to liability coverage only

There is no exact rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s say your Lexus LS 460 book value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying your deductible. If it’s costing in excess of $500 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage.

How do Insurance Companies Determine Lexus LS 460 Insurance Costs?

Consumers need to have an understanding of the different types of things that help calculate your policy premiums. If you have some idea of what influences your rates, this allows you to make good choices that could result in lower rates. Many things are taken into consideration when you get a price on insurance. Most are fairly basic like an MVR report, but others are less obvious like your vehicle usage and annual miles driven.

The following are some of the most common factors companies use to determine your rates.

Insurance is available from agents near you

Many drivers would rather talk to an insurance agent and that is a personal choice. Professional agents can make sure you are properly covered and help submit paperwork. The biggest benefit of comparing insurance prices online is you can get cheap insurance quotes but still work with a licensed agent. And supporting neighborhood insurance agencies is important particularly in San Francisco.

Find insurance agent in San FranciscoTo help locate an agent, after submitting this form (opens in new window), your information gets sent to companies in San Francisco who will return price quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to leave your house as quotes are delivered to you instantly. In the event you want to compare prices from one company in particular, you can always jump over to their website and complete a quote there.

If you are wanting to purchase insurance from a reliable agent, you should know the different agency structures and how they differ in how they quote coverages. Insurance agencies are considered either exclusive agents or independent agents. Both types of agents can sell affordable insurance policies, but it’s important to know how they differ because it can impact your agent selection.

Independent Insurance Agencies

Agents of this type are normally appointed by many insurers so as a result can place your coverage with lots of companies depending on which coverage is best. If premiums increase, an independent agent can move your coverage and the insured can keep the same agent.

When comparison shopping, we recommend you compare prices from at a minimum one independent agency in order to compare the most rates.

Listed below is a partial list of independent agencies in San Francisco who can help you get free price quotes.


1641 Taraval StSan Francisco, CA 94116(415) 665-7400View Map


2 Twin Peaks BlvdSan Francisco, CA 94114(415) 665-1440View Map


2620 Judah StSan Francisco, CA 94122(415) 731-7062View Map

More insurance agents

Exclusive Agents

These agents can only provide pricing for a single company and some examples include State Farm, Allstate, and Farm Bureau. These agents are unable to provide rate quotes from other companies so keep that in mind. Exclusive agencies are trained well on their company’s products which helps offset the inability to provide other markets.

Shown below are exclusive agents in San Francisco who can help you get rate quotes.


1536 20th StSan Francisco, CA 94107(415) 648-1155View Map


690 Monterey BlvdSan Francisco, CA 94127(415) 610-8000View Map


655 14th StSan Francisco, CA 94114(415) 552-6200View Map

More insurance agents

Finding the right insurance agency should depend on more than just a cheap price. Here are some questions you might want to ask.

Auto insurance can be complex

Always remember that when buying coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that.Drive safe and save
For example, these questions may help highlight whether your personal situation may require specific advice.

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Get the best coverage at the best price

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

You just read quite a bit of information on how to shop for Lexus LS 460 insurance online. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable San Francisco car insurance quotes. Drivers may even discover the lowest auto insurance rates come from some of the lesser-known companies. Regional companies may often insure only within specific states and give better rates than their larger competitors like Allstate and Progressive.

To read more, link through to the articles below: