Cheap 2013 Lexus ES 350 Car Insurance Rates

Looking for better auto insurance rates for your Lexus ES 350? Expensive auto insurance can sap your savings account and force you to tighten up your finances. Comparing rates annually can help to slash your bill and have more diposable income.

Lots of insurance companies contend to insure your vehicles, so it can be very hard to choose a company to discover the definitive lowest rate

You should make it a habit to get comparison quotes once or twice a year because insurance prices go up and down regularly. Despite the fact that you may have had the lowest rates for ES 350 insurance a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because it’s time to teach you the easiest way to reduce your cost while increasing coverage.

The best way to compare insurance rates from multiple companies is to take advantage of the fact auto insurance companies provide online access to give you rate quotes. The only thing you need to do is provide a little information such as marital status, if you have a valid license, whether the vehicles are used for commuting, and what you do for a living. That rating information is then submitted to multiple different insurance companies and they provide comparison quotes instantly to find the best rate.

Discounts for cheaper car insurance rates

Car insurance can be pricey, but you can get discounts to cut the cost considerably. Many discounts should be triggered at quote time, but once in a while a discount must be asked for before being credited.

• Distant Student Discount – Any of your kids who live away from home at college and don’t have a car can receive lower rates.
• Discounts for New Vehicles – Buying a new car instead of a used car can save up to 30% because new model year vehicles have to meet stringent safety requirements.
• Active Military Service – Being deployed with a military unit could mean lower car insurance rates.
• Full Payment Discount – By paying your policy upfront rather than spreading payments over time you may reduce your total bill.
• Seat Belts Save – Drivers who require all occupants to buckle up before driving can save 10% or more on medical payment and PIP coverage.
• Anti-lock Brake System – Cars with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
• Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
• Club Memberships – Joining a civic or occupational organization could qualify you for a break on your policy.
• Multiple Policy Discount – If you have multiple policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Senior Citizen Discount – If you qualify as a senior citizen, you are able to get reduced rates for ES 350 insurance.

One thing to note about discounts is that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will reduce the amount you pay for coverage.

Popular car insurance companies and some of their more popular discounts are:

• Farmers Insurance offers discounts for alternative fuel, early shopping, multi-car, teen driver, electronic funds transfer, and switch companies.
• Esurance may include discounts for homeowner, claim free, multi-car, multi-policy, safety device, online shopper, and renters.
• State Farm includes discounts for accident-free, good driver, Drive Safe & Save, anti-theft, and student away at school.
• Geico discounts include anti-theft, air bags, multi-vehicle, daytime running lights, good student, anti-lock brakes, and defensive driver.
• Allstate has savings for good payer, good student, multi-policy, premier discount, anti-lock brakes, and utility vehicle.

When getting free insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in your area. To see providers that provide some of the discounts listed above, click here.

You may need specialized insurance coverage

When buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might help in determining whether or not you might need an agent’s assistance.

• Do I need motorclub coverage?
• I don’t drive much so do I pay less?
• When can my company non-renew my policy?
• Should I file a claim if it’s only slightly more than my deductible?
• Can I afford to buy a different vehicle if my 2013 Lexus ES 350 is totaled?
• Should I rate my 2013 Lexus ES 350 as pleasure use or commute?
• Can I afford to pay high deductible claims out of pocket?
• Is a blown tire covered by insurance?
• Am I covered by my spouse’s policy after a separation?
• Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

How to lower your insurance prices

Part of the insurance coverage buying process is learning some of the factors that play a part in calculating your premiums. If you have some idea of what impacts premium levels, this enables informed choices that could result in better insurance coverage rates.

The following are a partial list of the pieces used by companies to determine your prices.

• Job can influence rates – Do you have a high-stress occupation? Occupational choices like real estate brokers, architects and accountants have higher premiums than the average policyholder in part from high stress levels and long work hours. Conversely, occupations like scientists, athletes and homemakers pay lower than average rates for ES 350 insurance.
• Car plus home equals more savings – Most companies will give a discount to people that buy multiple policies in the form of a multi-policy discount. Even if you already get this discount, drivers will still want to compare other company rates to ensure the best deal.
• Prices increase with policy add-ons – There are a ton of add-on coverages you can purchase when buying insurance coverage. Add-on coverages like replacement cost coverage, towing, and extra life insurance coverage may be costing you every month. The coverages may be enticing at first, but your needs may have changed so eliminate the coverages to reduce your premium.
• Deter theft and pay less – Buying a car with a theft deterrent system can save you some money. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
• Keep insurance coverage claims to a minimum – If you are the type of insured that files lots of claims you shouldn’t be surprised to get much higher rates or policy non-renewal. Insurance companies give most affordable rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended to be relied upon for larger claims.
• How old are your drivers? – Older, more experienced drivers are viewed as being more responsible, statistically cause fewer accidents , and usually have better credit.Youthful drivers are proven to be careless and easily distracted when at the wheel of a vehicle so insurance coverage rates are higher.

Save $430 a year? Really?

Big name companies like Progressive, Allstate and Geico continually stream television and radio advertisements. They all seem to state the claim about savings if you switch to their company. It sounds good, but how can they all offer drivers better rates? This is the way they can do it.

Different companies have specific guidelines for the type of customer that earns them a profit. An example of a desirable risk might be between the ages of 30 and 45, insures multiple vehicles, and insures a new vehicle. A driver that fits those parameters gets the lowest rates and will also pay quite a bit less when switching companies.

Potential customers who don’t qualify for these criteria will see a higher rate and this can result in the customer buying from a different company. The ads say “drivers that switch” not “all people who quote” save money. That’s why companies can truthfully make claims that they all have the best prices.

Each company has different criteria, so it is so important to quote coverage with many companies. You cannot predict the company that will give you lower premium rates than your current company.

Insurance coverage options for a Lexus ES 350

Having a good grasp of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for chiropractic care, rehabilitation expenses, surgery, EMT expenses and pain medications. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

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

Collision can pay for things like crashing into a ditch, damaging your car on a curb, rolling your car, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Liability

This coverage protects you from damages or injuries you inflict on other people or property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, structural damage, medical expenses and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Shop around and save

Lower-priced 2013 Lexus ES 350 insurance can be bought online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide online quoting and many times these regional carriers sell through independent agents.

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest cost, but do not skimp to save money.

We just presented quite a bit of information on how to compare 2013 Lexus ES 350 insurance premium rates online. The key thing to remember is the more you quote insurance, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from the least-expected company. Regional companies may only write in your state and offer lower prices as compared to the big name companies such as Progressive and Geico.

More information is available below:

• Distracted Driving (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)