View 2009 Lexus ES 350 Car Insurance Quotes

Trying to find cheaper insurance rates for your Lexus ES 350? No car owner looks forward to paying premiums for insurance, particularly when the prices are way too high.

Lots of insurance companies contend to insure your vehicles, and it can be difficult to compare rates to find the absolute best rate

Take advantage of these money-saving discounts

Insurance is easily one of your largest bills, but you might find some hidden discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but less common discounts must be requested specifically prior to receiving the credit.

  • Sign Early and Save – Some larger companies provide a discount for switching policies before your current coverage expires. This discount can save up to 10%.
  • Claim Free – Drivers with accident-free driving histories pay much less as opposed to insureds who have frequent claims or accidents.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of at least 10 to 15 percent or more.
  • Discounts for Cautious Drivers – Drivers without accidents can get discounts for up to 45% lower rates for ES 350 coverage than less cautious drivers.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Discounts for New Vehicles – Buying insurance on a new vehicle can save up to 30% compared to insuring an older model.
  • Military Discounts – Being deployed in the military may lower your rates slightly.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% on medical payment and PIP coverage.

Keep in mind that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.

If you would like to see a list of insurance companies with significant discounts, click this link.

Do I need special coverages?

When choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you might need professional guidance.

  • Is my Lexus ES 350 covered if I use it for business?
  • Is my teen driver covered when they drive my company car?
  • Why does it cost so much to insure a teen driver?
  • When should I buy a commercial auto policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is UM/UIM insurance?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage options for a 2009 Lexus ES 350

Knowing the specifics of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

Coverage for collisions

This coverage pays for damage to your ES 350 resulting from colliding 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 things like rolling your car, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses like dental work, EMT expenses, hospital visits and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from flooding, falling objects, a tree branch falling on your vehicle and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

This coverage will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, structural damage, bail bonds and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

More choices the merrier

Throughout this article, we presented many ways to shop for 2009 Lexus ES 350 insurance online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. You may even find the best rates are with a company that doesn’t do a lot of advertising. These companies may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

Some companies don’t offer internet price quotes and usually these small, regional companies only sell coverage through independent agencies. Lower-priced car insurance can be found both online and with local insurance agents, and you should compare price quotes from both to have the best selection.

More information can be read on the following sites: