2017 Lexus ES 300h Insurance Cost – 10 Tricks for Best Prices

Trying to find lower auto insurance rates for your Lexus ES 300h? Are you baffled by the crazy number of auto insurance providers that you can choose from? Lot’s of other drivers are too. You have such a vast assortment of providers available that it can be a difficult situation to compare auto insurance rates.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will most likely be able to save some money using this information. But vehicle owners should learn the methods companies use to sell online.

The most recommended method to compare insurance rates from multiple companies is to know most of the larger companies provide online access to provide you with a free rate quote. The only thing you need to do is provide information such as how old drivers are, coverage limits, your occupation, and whether you drive to work or school. Your details is then submitted to insurance carriers in your area and they return quotes within a short period of time.

Get lower-cost insurance coverage with discounts

Some companies don’t necessarily list all possible discounts in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden discounts that may be available.

• Telematics Discount – Policyholders that allow driving data collection to study where and when they drive remotely such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
• Drive Less and Save – Low annual miles could earn better insurance coveragerates on cars that stay parked.
• Defensive Driver – Taking a driver safety course may get you a small discount and easily pay for the cost of the class.
• Memberships – Being a member of a civic or occupational organization may earn a discount on your bill.
• Pay Early and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
• Buy New and Save – Buying a new car model can cost up to 25% less since new vehicles have better safety ratings.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of 20 to 30 percent.
• Paper-free Discount – A few companies will discount your bill up to fifty bucks for buying your policy on your computer.
• Responsible Drivers – Accident-free drivers may save up to 50% more on ES 300h coverage compared to accident prone drivers.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, you aren’t that lucky.

Companies that have most of these discounts possibly include:

• Progressive
• SAFECO
• American Family
• MetLife
• GEICO
• The Hartford

When quoting, ask all companies you are considering which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policies in your area. If you would like to choose from a list of insurers with the best discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether your personal situation will benefit from professional help.

• How do I file an SR-22 for a DUI in my state?
• What should my uninsured motorist coverage limits be in my state?
• Is my 2017 Lexus ES 300h covered for flood damage?
• How much liability do I need to cover my assets?
• Am I covered if I hit a deer?
• Do I pay less if my vehicle is kept in my garage?
• Will my rates increase for filing one claim?
• How can I find cheaper teen driver insurance?
• Is my state a no-fault state?
• Am I covered by my spouse’s policy after a separation?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage considerations

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Lexus ES 300h.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like pain medications, dental work, doctor visits and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Auto collision coverage

This covers damage to your ES 300h from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, backing into a parked car, damaging your car on a curb, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive protection

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

Comprehensive coverage protects against things like damage from getting keyed, hitting a bird, hitting a deer, theft and a broken windshield. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

This coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as court costs, medical expenses, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.