Compare 2017 Lexus ES 350 Insurance Quotes

Trying to find lower insurance rates for your Lexus ES 350? Confused by the number of insurance companies? You have so many choices that it is more work than you anticipated to find better premium rates.

It’s a good idea to quote other rates as often as possible because insurance prices tend to go up over time. Despite the fact that you may have had the best price on ES 350 coverage a few years ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because you’re about to learn one of the quickest ways to eliminate unnecessary coverages and save money.

Lower the price of insurance coverage with these tips

Many things are taken into consideration when quoting car insurance. Most are fairly basic such as your driving record, but some are more transparent like where you live or your commute time.

  • Safer vehicles lower rates – Cars with five star safety ratings tend to be cheaper to insure. These vehicles reduce occupant injuries and lower injury rates means your insurance company pays less and lower rates for you.
  • Extra coverages can add up – There are a lot of additional coverages that can waste your money but may not be useful. Coverages for rental car coverage, towing coverage, and extra life insurance coverage may be costing you every month. The coverages may be enticing when talking to your agent, but now you might not need them so think about removing them and cutting costs.
  • Getting married pays dividends – Being married helps lower the price on your policy. Having a spouse may mean you are more financially stable and insurance companies like that drivers who are married file infrequent claims.
  • Certain vocations pay higher prices – Did you know your occupation can influence how much you pay for insurance coverage? Careers like real estate brokers, executives and dentists usually pay higher premiums than the average policyholder because of intense work-related stress and incredibly demanding work hours. Other professions such as farmers, students and retirees pay lower than average rates on ES 350 coverage.
  • Cheaper rates for being claim-free – Companies provide lower rates to policyholders that do not abuse their auto insurance. If you file a lot of claims you can definitely plan on either higher rates or even cancellation. Insurance coverage is designed for the large, substantial claims.

First Step: Get free insurance quotes

The majority of larger companies such as Allstate, GEICO and Progressive allow you to get insurance quotes on the web. Doing online quotes is fairly straightforward as all you need to do is type in the coverage amounts you desire into the form. After you submit the form their system sends out for reports for credit and driving violations and generates pricing information based on the information you submitted.

Online price estimates makes it easy to compare insurance prices but having to visit different websites and type in the same information can be a bit tiresome and repetitive. But it’s necessary to get many rate quotes if you are searching for the best price possible.

The quickest way to compare insurance pricing is to use a quote form to return rates from several companies at one time. It’s a real time-saver, reduces the work, and makes rate comparisons much easier. As soon as you send your information, it gets priced and you can select any or none of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process takes just a few minutes to complete and may result in a nice savings.

If you want to fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended that you enter the coverage information identical to your current policy. This way, you will get a rate comparison based on similar coverages.

Brand name doesn’t guarantee savings

Popular insurance coverage providers such as Allstate, GEICO and Progressive regularly use television and radio advertisements. They all seem to make an identical promise that you’ll save big after switching to their company. How is it possible that every company can make the same claim? It’s all in how they say it.

All the different companies have an ideal profile for the type of customer that will be a good risk. For example, a preferred risk could be a mature driver, has a clean driving record, and drives a lower-performance vehicle. A customer getting a price quote that matches those criteria receives the best car insurance rates as well as save when they switch companies.

Insureds who may not quite match these criteria will see more expensive rates which leads to the prospect going elsewhere. If you pay attention, the ads say “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can confidently make the claims of big savings.

Different companies use different criteria so it’s extremely important to compare quotes as often as possible. It’s not possible to predict the company that will have the lowest rates.

Don’t overlook these insurance discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that can dramatically reduce your bill. A few discounts will be applied at the time of quoting, but some need to be requested specifically before you get the savings.

  • Life Insurance – If the company offers life insurance, you could get lower rates if you buy life insurance from them.
  • Online Discount – Some of the larger companies will provide an incentive for buying your policy online.
  • Military Deployment Discount – Being deployed with a military unit could mean lower premium rates.
  • First Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate, Progressive, and GEICO will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free for a set time period.
  • Professional Memberships – Joining a civic or occupational organization could qualify you for a break when getting a auto insurance quote.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will positively reduce your policy premiums.

Car insurance companies that may offer most of the discounts above include:

If you need lower rates, check with every insurance company to give you their best rates. Some discounts might not be available to policyholders in your area. To see insurance companies that offer many of these discounts, click here.

When to get professional advice

When buying coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Do I pay less for low miles?
  • When should I buy a commercial auto policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will my rates increase for filing one claim?
  • Do I need higher collision deductibles?
  • Can I afford to buy a different vehicle if my 2017 Lexus ES 350 is totaled?
  • Am I covered when driving someone else’s vehicle?
  • Is my Lexus ES 350 covered if I use it for business?
  • What can I do if my company denied a claim?
  • Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage basics

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

This will pay to fix 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 such as hitting a parking meter, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Lexus ES 350.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Auto liability

This coverage provides protection from damage or injury you incur to other people or property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like court costs, funeral expenses, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, falling objects, theft, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like ambulance fees, nursing services and chiropractic care. They are often used to cover expenses not covered by your 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 if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

More effort can pay off

As you quote auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, someone dropped collision coverage and discovered at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

We covered some good ideas how you can shop for 2017 Lexus ES 350 insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance coverage is with the least-expected company.

Consumers change insurance companies for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, high prices and even poor customer service. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

More tips and info about insurance coverage can be found in the articles below: