2017 Lexus ES 350 Car Insurance Quotes – 8 Tips for Best Rates

Locating the cheapest insurance for your Lexus ES 350 could be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to find insurance online so you’re going to learn the absolute fastest way to price shop coverage for a new or used Lexus and find the cheapest rates.

It’s a good habit to quote other rates periodically because prices change quite often. Just because you had the lowest rate on ES 350 insurance six months ago a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

How to get cheap auto insurance

Cutting your auto insurance rates doesn’t have to be difficult. The only thing you need to do is spend a few minutes on the computer getting comparison quotes to discover which company has affordable insurance quotes. This can easily be done using one of these methods.

1. The first (and easiest) way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for repetitive form entry for every auto insurance company. A single form will return price quotes from many national carriers. It’s definitely the quickest method.
2. A harder way to find more affordable insurance is to manually visit each company’s website to request a price quote. For example, let’s say you want to get rates from USAA, Liberty Mutual and Progressive. In order to get each rate, you would have to navigate to each company’s site and enter your policy data, which can get rather old. For a list of links to insurance companies in your area, click here.
3. The least efficient and most time consuming way to compare price quotes is to waste gas driving to insurance agents’ offices. The ability to get quotes online has reduced the need for local agents unless you prefer the professional abilities that only a licensed agent can provide. It is possible with some companies comparison shop online but still have the advice of a local agent.

Whichever method you choose, try to keep apples-to-apples quote data for each quote you get. If your comparisons have different data it will be nearly impossible to make a fair comparison for your Lexus ES 350.

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Are you falling for claims of savings?

Drivers can’t get away from all the ads that promise big savings for switching from companies such as 21st Century, Allstate and State Farm. They all seem to try to convey promises about how much you will save if you change your car insurance coverage to their company.

Is it even possible that every company can make the same claim? This is the trick they use.

Companies have strict underwriting profiles for the right customer that makes them money. A good example of this type of risk profile might have to be over the age of 50, carries high limits, and does not commute to work. A customer who matches that profile will get low prices and will also save some money.

People who do not fit these criteria will be charged more expensive rates and business not being written. The ads say “drivers that switch” not “everyone who quotes” save money. That is how companies can truthfully make it sound like they have such great premium rates.

This really drives home the point why you absolutely need to compare free insurance quotes often. It is just not possible to predict which insurance companies will have the lowest rate quotes.

Are you qualifying for every discount?

Companies that sell car insurance don’t necessarily list their entire list of discounts in an easy-to-find place, so we break down a few of the more common and also the lesser-known credits available to you.

• Driver Safety – Successfully completing a safe driver class could cut 5% off your bill if your company offers it.
• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
• Online Discount – A few larger online companies will give a small break for buying your policy on their website.
• Responsible Drivers – Drivers who avoid accidents could pay up to 40% less on ES 350 insurance as compared to drivers with claims.
• Military Discounts – Being deployed with a military unit could mean lower rates.
• Discount for Life Insurance – Larger insurance companies have lower rates if you buy a life policy as well.
• Accident Free – Claim-free drivers pay less when compared to drivers with a long claim history.
• Data Collection Discounts – Drivers who elect to allow driving data collection to study their driving habits by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks if they have good driving habits.

Discounts lower rates, but most discounts do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Popular auto insurance companies and the discounts they provide include:

• Geico has discounts for multi-policy, emergency military deployment, military active duty, multi-vehicle, five-year accident-free, driver training, and defensive driver.
• Travelers includes discounts for IntelliDrive, driver training, continuous insurance, good student, early quote, and multi-car.
• Nationwide may include discounts for Farm Bureau membership, business or organization, family plan, defensive driving, and good student.
• Farmers Insurance has savings for youthful driver, pay in full, distant student, switch companies, teen driver, early shopping, and bundle discounts.
• Esurance policyholders can earn discounts including Switch & Save, good student, homeowner, DriveSense, and anti-lock brakes.
• State Farm offers discounts including multiple autos, anti-theft, passive restraint, accident-free, and Drive Safe & Save.
• Progressive offers premium reductions for multi-policy, continuous coverage, online quote discount, online signing, homeowner, multi-vehicle, and good student.
• Mercury Insurance discounts include ease of repair, accident-free, age of vehicle, annual mileage, and anti-theft.

Check with every insurance company which credits you are entitled to. Some credits may not apply in your area. If you would like to view insurers with the best discounts, follow this link.

When in doubt talk to an agent

When it comes to buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different.

For example, these questions can aid in determining if you might need professional guidance.

• Am I covered if I wreck a rental car?
• Am I covered if hit by an uninsured driver?
• When do I need to add a new car to my policy?
• Can my teen drive my company car?
• How does medical payments coverage work?
• Is my babysitter covered when using my vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered if my car is in a flood?
• Should I buy additional glass protection?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

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Auto insurance coverages and their meanings

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, colliding with a tree, scraping a guard rail, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, a broken windshield and vandalism. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like attorney fees, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like dental work, ambulance fees and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2017 Lexus ES 350.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

More choices the merrier

More affordable insurance coverage can be purchased both online and with local insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies may not have price quotes online and these regional insurance providers only sell coverage through independent insurance agents.

Drivers change insurance companies for any number of reasons including poor customer service, policy cancellation, high prices or being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your goal should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

More detailed insurance coverage information can be found at these sites:

• Side Impact Crash Tests (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• Understanding your Policy (NAIC.org)

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