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Lexus ES 350 Insurance Rates

Shopping for car insurance through online providers saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to get rates from all providers in order to accurately compare the cheapest rate quotes.

Comparing car insurance rates direct online is challenging if you are a beginner to online quoting. But relax because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The recommended way to find the cheapest Lexus ES 350 insurance cost consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine Lexus ES 350 insurance quotes?

Insurance premiums paid to insure a Lexus ES 350 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Men typically pay more than women
  • The deductible you choose
  • Your vehicle's safety rating
  • Your job
  • The amount of protection requested
  • Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new Lexus models so the costs to repair may end up costing you less. But more recent Lexus vehicles have more advanced features including active head restraints, an advanced theft deterrent system, and lane departure warning system which may help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability auto insurance - This will cover damages or injuries you inflict on a person or their property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your Lexus from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.

How Much are Lexus ES 350 Insurance Rates?