Lower Your 1999 Lexus ES 300 Insurance Quotes

Are you tired of not being able to afford to make your car insurance payment? You are in the same boat as many other drivers.

Companies like Allstate, Liberty Mutual and State Farm increase brand awareness with ad campaigns and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

If you currently have car insurance, you should be able to cut costs considerably using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. But drivers need to learn the way companies compete online because it can help you find the best coverage.

More discounts mean affordable premiums

Not many people think insurance is cheap, but there’s a good chance there are discounts to help bring down the price. Many discounts should be triggered at the time you complete a quote, but some need to be asked for prior to receiving the credit.

• Savings for New Vehicles – Buying a new car model can get you a discount due to better safety requirements for new vehicles.
• Life Insurance – Larger auto insurance companies have a break if you buy a life policy as well.
• Anti-lock Brake System – Cars and trucks equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
• Passive Restraints and Air Bags – Options like air bags or automatic seat belts may get savings of 20 to 30 percent.
• Policy Bundle Discount – If you insure your home and vehicles with one insurance company you will save up to 20% and get you the cheapest auto insurance.
• Seat Belt Usage – Drivers who require all occupants to buckle up could save 15% on medical payment and PIP coverage.
• Home Ownership Discount – Owning a house can save you money since home ownership requires personal responsibility.
• Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% for ES 300 insurance than drivers with accidents.
• College Student – Any of your kids who live away from home at college and do not have a car may qualify for this discount.

Consumers should know that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, you aren’t that lucky.

To choose providers that offer many of these discounts, click here.

The best way we recommend to compare policy rates takes advantage of the fact all the major auto insurance companies participate in a system to provide you with free rate quotes. The one thing you need to do is take a few minutes to give details including if you lease or own, daily mileage, if you have an active license, and your education level. Your insurance information is submitted instantly to many different companies and you receive quotes within a short period of time.

Learn how to buy insurance more affordably

Many things are part of the equation when quoting car insurance. Some are pretty understandable such as your driving record, although others are less obvious like where you live or how financially stable you are.

• Keep policy claims to a minimum – Car insurance companies provide the lowest premiums to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended for more catestrophic claims.
• Single drivers take more risk – Your spouse can get you a discount on insurance. It may mean you are less irresponsible and statistics show married drivers tend to file fewer claims.
• Rates and your address – Living in a rural area has it’s advantages when buying insurance. Fewer drivers on the road means fewer accidents. People who live in big cities regularly have more auto accidents and higher rates of accident claims. Spending more time driving means higher likelihood of an accident.
• Do men or women drive better? – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. They both are responsible for at-fault accidents in similar percentages, but males get into accidents with more damage. Men also tend to get cited for more serious violations like driving under the influence (DUI).
• Do you work long hours in a stressful employer? – Occupations like military generalsair traffic controllers and dentists generally pay the highest average rates due to high stress levels and lots of time spent at work. On the flip side, careers like farmers, athletes and retirees have lower than average premiums for ES 300 insurance.
• Extra policy coverages push up prices – There are a ton of extra add-on coverages you can purchase on your insurance policy. Things like rental car coverage, towing coverage, and motor club memberships are probably not needed. These may sound like a good investment at first, but now you might not need them so get rid of them and save.
• How much liability insurance – Your insurance policy’s liability coverage is the protection if you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not skimp.

It’s not one size fits all

When it comes to buying proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

• Can I rate high risk drivers on liability-only vehicles?
• Should I have a commercial auto policy?
• Where can I get insurance after a DUI in my state?
• Am I covered if I hit my neighbor’s mailbox?
• Does car insurance cover theft of personal property?
• Should I buy full coverage?
• Am I covered when using my vehicle for business?
• Is borrowed equipment or tools covered if stolen or damaged?
• Are my friends covered when driving my 1999 Lexus ES 300?
• Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, a broken windshield and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for surgery, dental work, EMT expenses, doctor visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance – This coverage can cover damage or injury you incur to other’s property or people in an accident. This insurance 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 per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like repair bills for other people’s vehicles, medical expenses and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus ES 300.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

More quotes mean more savings

Low-cost 1999 Lexus ES 300 insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide rates over the internet and most of the time these smaller providers only sell coverage through independent agents.

We’ve covered some good ideas how you can shop for 1999 Lexus ES 300 insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. You may even discover the biggest savings come from the smaller companies. They can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Additional detailed information can be read at these sites:

• Safety Belts FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• A Tree Fell on Your Car: Now What? (Allstate)