2016 Lexus ES 350 Car Insurance Quotes

Have you had enough of scraping nickels together to pay your auto insurance bill each month? Your situation is no different than the majority of other vehicle owners. Since vehicle owners have many insurance providers from which to choose, it can be challenging to pick the best insurance company.

It’s smart to compare rates occasionally because prices trend upward over time. Despite the fact that you may have had the lowest rates for ES 350 coverage a couple years back there may be better deals available now. Don’t believe everything you read about auto insurance out there, but we’re going to give you some solid techniques on how to lower your auto insurance rates.

Buying car insurance is not that difficult. If you currently have car insurance, you should be able to save some money using this strategy. Vehicle owners only need to know the most efficient way to shop online.

How to buy insurance online

Getting a cheap price on 2016 Lexus ES 350 insurance can be quick and easy. Drivers just need to spend a few minutes comparing rates to see which company has cheaper auto insurance quotes. It is quite easy and can be accomplished in several different ways.

  1. The best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This quick form eliminates the need for repetitive form submissions for every company. A single, simple form gets prices estimates from insurance companies with the best prices.
  2. Another way to obtain and compare quotes online consists of going to each individual company website and repeat the quote process. For examples sake, let’s say you want to get rates from Auto-Owners, Allstate and Progressive. You would have to go to every website and enter your information, which is why first method is reommended.

    For a list of companies in your area, click here.

  3. The hardest way of getting rate comparisons is physically going to insurance agents’ offices. Doing it all online eliminates the need for an insurance agent unless you want the professional abilities that you can only get from talking to an agent. You can, however, get the lowest quotes online but buy from a local insurance agent.

Whichever method you choose, compare exactly the same coverage limits for every company. If you compare different coverage information you will not be able to determine which rate is truly the best.

Can you really save $412 a year?

Consumers can’t escape the ads for cheaper car insurance by 21st Century, Allstate and State Farm. They all make an identical promise about saving some big amount if you change to their company.

How does every company say the same thing? Just pay attention to how they say it.

All the different companies quote the lowest rates for the type of customer that earns them the most money. One example of a desirable risk should be over age 30, is a homeowner, and insures a new vehicle. Someone that matches those criteria will probably get the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who are not a match for these criteria may be required to pay higher prices and this results in the customer not purchasing. The ad wording is “drivers who switch” not “everybody who quotes” save that much. That is how companies can lure you into getting a quote. Because each company has a different risk profile, you really need to quote coverage with many companies. Because without a comparison, you cannot know with any certainty which company will have the lowest rates for your situation.

Find hidden discounts to get affordable auto insurance rates

Auto insurance is neither fun to buy or cheap, but there could be available discounts that can help lower your rates. A few discounts will automatically apply when you get a quote, but some discounts are required to be specifically requested prior to receiving the credit. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.

  • Discount for Passive Restraints – Factory air bags may earn rate discounts of 20 to 30 percent.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Life Insurance Discount – Auto insurance companies who offer life insurance give a discount if you purchase some life insurance too.
  • Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
  • Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could qualify for this discount.

Keep in mind that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. But any discount should definitely cut your policy cost.

A list of companies and some of their more popular discounts can be read below.

  • GEICO may offer discounts for air bags, defensive driver, multi-policy, federal employee, seat belt use, military active duty, and driver training.
  • Auto-Owners Insurance may include discounts for safe vehicle, company car, group or association, student away at school, good student, mature driver, and anti-lock brakes.
  • American Family offers discounts for air bags, TimeAway discount, accident-free, bundled insurance, good student, multi-vehicle, and good driver.
  • Esurance discounts include homeowner, anti-lock brakes, Pac-12 alumni, Switch & Save, and multi-car.
  • Progressive offers premium reductions for continuous coverage, homeowner, online quote discount, multi-policy, and good student.
  • State Farm includes discounts for Drive Safe & Save, passive restraint, safe vehicle, good student, student away at school, multiple policy, and multiple autos.
  • AAA offers discounts including good driver, multi-car, AAA membership discount, multi-policy, anti-theft, and pay-in-full.

When quoting, ask each company what discounts are available to you. Some discounts may not apply in your area. For a list of auto insurance companies who offer online auto insurance quotes, click here.

Tailor your insurance coverage to you

When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • Should I carry comprehensive and collision coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?
  • When should I buy a commercial auto policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my insurance cover my expensive audio equipment?
  • When should I not file a claim?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to 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 It is quick, free and you can get the answers you need.

Insurance coverage basics

Having a good grasp of insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2016 Lexus ES 350.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, hail damage and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

This coverage provides protection from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, bail bonds, legal defense fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This pays for damage to your ES 350 caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, hitting a mailbox, backing into a parked car, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses such as doctor visits, prosthetic devices, X-ray expenses, chiropractic care and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Smart consumers save more

We just covered some good ideas how you can shop for 2016 Lexus ES 350 insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper auto insurance. Consumers may even find the lowest premium rates come from a lesser-known regional company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

More affordable insurance can be bought both online as well as from insurance agents, so you need to quote auto insurance with both to have the best rate selection. Some insurance companies may not have the ability to get quotes online and usually these smaller companies provide coverage only through independent agencies.

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