View 2015 Lexus ES 350 Car Insurance Quotes

Looking for cheaper auto insurance rates for your Lexus ES 350? No car owner gets a kick out of paying for auto insurance, especially when they are aware that the cost is too high. With so many online and local companies to choose from, it can be impossible to locate the best auto insurance company.

Low cost auto insurance prices

Finding a better price on auto insurance can be surprisingly simple. All that’s required is to take the time to get quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. Experts agree that the best way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This form keeps you from doing multiple quote forms for each company you want a rate for. Filling out one form gets insurance cost estimates direct from many companies.
  2. A slightly less efficient method to get comparison quotes consists of visiting each company website and request a quote. For examples sake, we’ll assume you want to get rates from USAA, GEICO and Farmers. To get rate quotes you would need to visit each site and type in your information over and over, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just try to keep exactly the same deductibles and coverage limits for each quote you get. If each company quotes different coverage information it’s not possible to get a fair rate comparison.

Misconceptions in insurance advertisements

Consumers can’t ignore all the ads that claim the best car insurance rates by companies like 21st Century, Allstate and State Farm. All the companies state the claim about saving some big amount just by switching your policy.

How does each company sell you cheaper insurance coverage? It’s all in the words they use.

Most companies have specific criteria for the type of customer that makes them money. A good example of this type of driver may need to be between 30 and 50, has other policies, and drives a car with an anti-theft system. Any driver who fits those characteristics will get very good car insurance rates and have a good chance to save when they switch companies.

People who do not match the ideal profile may be required to pay higher prices with the end result being business going elsewhere. The trick is to say “people who switch” not “everyone who quotes” will save that much if they switch. This is how insurance companies can confidently make claims like that.

This emphasizes why it’s extremely important to get a wide range of price quotes. It is impossible to predict the company that will have the lowest rate quotes.

Informed drivers can reduce insurance rates

Many different elements are used when you quote your car insurance policy. Some factors are common sense such as your driving record, although others are less obvious such as your marital status or your vehicle rating.Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for insurance coverage. If you know what controls the rates you pay, this empowers consumers to make smart changes that may result in cheaper rates.

  • Raise your coverage deductibles for better rates – Your deductibles tell how much you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be a windshield broken by a bird, collision with a deer, and having a roll-over accident. The higher the amount the insured is willing to pay, the less your insurance coverage will be on ES 350 coverage.
  • High credit means lower rates – A driver’s credit history factor in determining what you pay. People with very good credit scores tend to be better risks to insure as compared to drivers with bad credit. If your credit could use some work, you may save money insuring your 2015 Lexus ES 350 if you clean up your credit.
  • Get better costs if you’re married – Your spouse may save some money compared to being single. It is viewed as being more responsible and statistics prove drivers who are married are more cautious.
  • Never let your insurance coverage policy lapse – Going without insurance can be a guaranteed way to trigger a rate increase. Not only will rates go up, the inability to provide proof of insurance will get you fines or a revoked license.
  • Policy add-ons may not be needed – There are a lot of add-on coverages that can waste your money on your ES 350 policy. Things like replacement cost coverage, high-cost glass coverage, and term life insurance may be costing you every month. These coverages may sound good when discussing your needs, but if you don’t need them think about removing them and cutting costs.

Get lower rates by receiving discounts

Some insurance providers don’t always publicize every available discount very well, so we break down both the well known and the more hidden credits available to lower your premiums when you buy insurance online.

  • Low Mileage Discounts – Driving less could be rewarded with better rates on cars that stay parked.
  • New Vehicle Savings – Insuring a vehicle that is new can get you a discount because new model year vehicles have to meet stringent safety requirements.
  • Accident Free – Insureds with no claims or accidents can save substantially when compared to bad drivers.
  • Bundled Policy Discount – If you can combine your auto and homeowners policy with one insurance company you may earn nearly 15% which can help you find affordable insurance.
  • Telematics Devices – Insureds who allow their company to scrutinize when and where they use their vehicle remotely such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they are good drivers.
  • Own a Home – Just being a homeowner can get you a discount due to the fact that maintaining a home requires personal responsibility.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.

You can save money using discounts, but some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like medical payments or collision. Despite the appearance that you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

Some of the larger companies that may include these money-saving discounts include:

When getting free insurance quotes, it’s a good idea to every company to apply every possible discount. Some of the earlier mentioned discounts might not be offered in your area. If you would like to choose from a list of auto insurance companies who offer free auto insurance quotes, click here.

Your insurance coverage coverage should be tailored to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance should reflect that For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • Do I have coverage when pulling a U-Haul trailer?
  • When would I need additional glass coverage?
  • Does my insurance cover a custom paint job?
  • Is pleasure use cheaper than using my 2015 Lexus ES 350 to commute?
  • Does insurance cover tools stolen from my truck?
  • Is upholstery damage covered by car insurance?
  • Is my camper covered by my car insurance policy?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverages 101

Understanding the coverages of insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Coverage for collisions

Collision coverage covers damage to your ES 350 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for things like rock chips in glass, damage from flooding, fire damage and hitting a bird. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Lexus ES 350.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for hospital visits, funeral costs and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverage

This coverage will cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, 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 limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, funeral expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Do the work, save more money

Budget-friendly auto insurance is possible both online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not have rate quotes online and most of the time these small insurance companies only sell through independent insurance agents.

As you prepare to switch companies, never reduce needed coverages to save money. Too many times, an accident victim reduced physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

You just learned some good ideas how you can reduce 2015 Lexus ES 350 insurance rates online. It’s most important to understand that the more you quote insurance, the better your chances of lowering your car insurance rates. Drivers may discover the most savings is with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Additional information can be found at the links below