View 2014 Lexus ES 350 Insurance Quotes

Looking for better car insurance rates for your Lexus ES 350? Buying discount car insurance can seem to be somewhat difficult for beginners to buying their car insurance on the web. With so many insurance agents and insurers to choose from, how can drivers effectively compare every possible option in order to find the best price?

Discounts for affordable insurance quotes

Some companies do not advertise their entire list of discounts in an easy-to-find place, so the below list has both well-publicized and also the lesser-known credits that may apply to you.

• First Accident Forgiveness – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident before hitting you with a surcharge if you have no claims before the accident.
• Defensive Driving Course – Participating in a defensive driving class can save you 5% or more and easily recoup the cost of the course.
• Policy Bundle Discount – When you combine your auto and homeowners insurance and insure them with the same company you may save at least 10% off all policies.
• Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and will save you 10% or more.
• Onboard Data Collection – Drivers who agree to allow driving data submission to monitor their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they show good driving skills.

As is typical with insurance, some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, nobody gets a free ride.

Companies and some of their more popular discounts are:

• Geico discounts include driver training, five-year accident-free, federal employee, defensive driver, anti-theft, good student, and anti-lock brakes.
• Travelers offers premium reductions for continuous insurance, payment discounts, hybrid/electric vehicle, multi-car, and good student.
• Nationwide may have discounts that include business or organization, Farm Bureau membership, easy pay, good student, and defensive driving.
• Farmers Insurance offers discounts including good student, bundle discounts, youthful driver, distant student, alternative fuel, multi-car, and teen driver.
• Esurance may offer discounts for paid-in-full, online shopper, claim free, defensive driver, online quote, and multi-policy.
• State Farm may include discounts for accident-free, multiple policy, safe vehicle, student away at school, driver’s education, Drive Safe & Save, and good student.
• Progressive policyholders can earn discounts including good student, multi-policy, online signing, homeowner, continuous coverage, and multi-vehicle.
• Mercury Insurance has savings for multi-policy, annual mileage, good driver, anti-theft, ease of repair, multi-car, and low natural disaster claims.

If you need the cheapest car insurance quotes, ask each insurance company the best way to save money. Discounts might not be offered in your state. For a list of companies with significant discounts, click here to view.

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Learn how to find auto insurance for less

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that are used to determine your policy premiums. If you have a feel for what impacts premium levels, this enables you to make decisions that could result in big savings. Multiple criteria are part of the equation when you get a price on insurance. Some factors are common sense such as your driving record, but other criteria are not quite as obvious such as your credit history or your vehicle rating.

• Policy add-ons may be wasting money – There are many additional coverages that may not really be needed but may not be useful. Coverage for things like personal injury protection, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good at first, but your money might be better spent on other coverage so eliminate them to save money.
• Vehicles with better crash test results mean better prices – Safe vehicles tend to have lower insurance rates. Vehicles built for safety protect occupants better and lower rates of occupant injuries translates directly to fewer claims which can result in lower premiums.
• Single drivers take more risk – Being married can actually save you money when shopping for auto insurance. Marriage usually means you are more responsible and it’s statistically proven that married drivers get in fewer accidents.
• Alarms and GPS tracking lowers prices – Owning a car with advanced anti-theft systems can help lower your rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft and help bring rates down.

You may need specialized insurance coverage coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions can help discover whether your personal situation will benefit from professional help.

• Why am I required to buy liability insurance?
• Can I rate high risk drivers on liability-only vehicles?
• Do I need rental car coverage?
• Should I buy full coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need special endorsements for business use of my vehicle?
• How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

The coverage is in the details

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as dental work, chiropractic care, doctor visits, hospital visits and pain medications. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show 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 single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like medical expenses, bail bonds, repair costs for stationary objects, attorney fees and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your 2014 Lexus ES 350.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, hail damage, damage from a tornado or hurricane, hitting a bird and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage pays for damage to your ES 350 resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

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Save your hard earned cash

Budget-friendly insurance is available online and from local insurance agents, and you need to comparison shop both to have the best selection. A few companies may not offer online rate quotes and usually these smaller providers sell through local independent agents.

Throughout this article, we presented many ways to get a better price on 2014 Lexus ES 350 insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest premium rates come from a small local company.

When searching for cheap car insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest price, but do not skimp to save money.

Other articles

• All About Airbag Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Understanding Limits and Deductibles (Allstate)

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