Save on 2011 Lexus ES 350 Insurance Cost

Comparison shopping for low cost car insurance is a challenge for drivers who are new to online rate comparisons. With such a big selection of agents and companies competing online, it can easily be a ton of work to find the lowest price.

It is always a good idea to compare rates yearly because car insurance rates change quite often. Even if you think you had the best deal for ES 350 coverage at your last renewal you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to learn the things you must know in order to reduce your cost while improving coverage.

If you currently have a car insurance policy, you should be able to save some money using these tips. The purpose of this article is to help you learn how to effectively get price quotes and some money-saving tips. Although drivers should learn how the larger insurance companies market insurance on the web and take advantage of how the system works.

Don’t overlook these auto insurance discounts

Auto insurance companies do not advertise every policy discount in an easy-to-find place, so here is a list some of the more common as well as the least known discounts that you may qualify for.

• Military Rewards – Having an actively deployed family member could trigger a small discount.
• Seat Belt Usage – Requiring all passengers to fasten their seat belts may be able to save a few bucks off the medical payments premium.
• Government Employee Discount – Having worked for a branch of the government can earn a discount up to 10% for ES 350 coverage but check with your company.
• Cautious Driver Discount – Accident-free drivers can save up to 40% or more on their car insurance quote for ES 350 coverage than less cautious drivers.
• Bundled Policy Discount – If you can combine your auto and homeowners policy and place coverage with the same company you may save up to 20% and get you affordable car insurance.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Car insurance companies that possibly offer these money-saving discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

Before purchasing a policy, check with each company which credits you are entitled to. Depending on the company, some discounts may not apply to policyholders in your area. To locate auto insurance companies that offer some of these discounts, follow this link.

How to buy car insurance online

There are several ways to get quotes from all the different companies. One of the best ways to find competitive 2011 Lexus ES 350 insurance rates is simply to get online rate quotes. This can be done in a couple minutes as outlined below.

• If you are pressed for time, the simplest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quotes for each price estimate. Filling out one form gets you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
• A more difficult way to find lower rates is going to the website for every company you want to comare and repeat the quote process again and again. For sake of this example, we’ll pretend you are doing a rate comparison from Allstate, State Farm and Geico. You would need to spend time going to each site individually to enter the same coverage data repeatedly, which explains why we recommend starting with the first method.

  To view a list of companies in your area, click here.

• The most time-consuming way to shop rates is driving around to insurance agents’ offices. The ability to quote online makes this unnecessary unless you have a complicated situation and need the advice and guidance of an agent trained in personal lines coverage. Some companies do allow you to compare the best prices online but purchase the actual policy in an agency.

Whichever method you choose, ensure you are comparing the exact same coverage limits on every quote you get. If you use differing limits it’s impossible to make a fair rate comparison. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. Just remember that getting more free quotes will enable you to find a lower rate.

When to get professional advice

When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you would benefit from professional advice.

• What are the best liability limits?
• Should I rate my 2011 Lexus ES 350 as pleasure use or commute?
• Does my policy cover my teen driver if they drive my company car?
• When should I remove comp and collision on my 2011 Lexus ES 350?
• Am I getting all the discounts available?
• I don’t drive much so do I pay less?
• Why do I need rental car insurance?
• Will my rates increase for filing one claim?
• Is my camper covered by my car insurance policy?
• What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance 101

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, fire damage, hitting a deer, rock chips in glass and falling objects. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, funeral expenses, medical services, loss of income and emergency aid. How much coverage you buy is a personal decision, but buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills like doctor visits, funeral costs and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage will pay to fix damage to your ES 350 resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, backing into a parked car, colliding with a tree, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Better coverage you can count on

Insureds leave their current company for a number of reasons such as questionable increases in premium, policy non-renewal, lack of trust in their agent or delays in paying claims. It doesn’t matter why you want to switch finding the right auto insurance provider is not as hard as you think.

A few companies may not provide internet price quotes and most of the time these regional carriers provide coverage only through local independent agencies. The cheapest 2011 Lexus ES 350 insurance is definitely available from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection.

We just showed you some good ideas how to shop for 2011 Lexus ES 350 insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest car insurance rates come from a lesser-known regional company.

Additional detailed information can be read in the articles below:

• Auto Crash Statistics (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Auto Insurance Learning Center (State Farm)
• Tread Depth and Tire Safety (State Farm)