Want cheaper insurance rates for your Lexus ES 300h? Finding a different company that has cheaper auto insurance might sound like a lofty goal if you haven’t ever used online price quotes. But don’t let that discourage you because online price shopping is actually quite simple.
The fastest way that we advise to compare insurance rates from multiple companies is to know the trick all the major auto insurance companies provide online access to compare their rates. To start a quote, the only thing you need to do is give them rating details like if you have a valid license, an estimate of your credit level, how your vehicles are used, and distance driven. That rating data is instantly provided to multiple different insurance companies and they provide comparison quotes immediately.
To start a quote now, click here and enter your coverage details.
Auto insurance is not inexpensive, but you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but once in a while a discount must be specially asked for before you get the savings. If they aren’t giving you every credit you qualify for, you are not getting the best rate possible.
You should keep in mind that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
Popular auto insurance companies and a selection of discounts are shown below.
When getting a coverage quote, ask all the companies how many discounts you can get. A few discounts might not be offered on policies in your area. To view insurance companies who offer discounts, click here to view.
When buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.
For example, these questions might help in determining if your situation might need professional guidance.
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.
Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.
This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things like damage from a tornado or hurricane, a tree branch falling on your vehicle, a broken windshield, rock chips in glass and hitting a bird. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things such as hitting a mailbox, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.
This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Lexus ES 300h.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Med pay and PIP coverage pay for short-term medical expenses for dental work, nursing services, rehabilitation expenses and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
This provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.
Liability can pay for things such as repair bills for other people’s vehicles, attorney fees and medical expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.
Travis Luna
Live in the southern part of Bismarck, ND. Received prices from 21st Century, Auto-Owners, Farmers, and Liberty Mutual for my ES 300h and saved $393 a year. Good multi-policy discounts.
Judson Vaughan
Mine is so expensive. Found cheapest coverage with Mercury for my Lexus and saved about $340 a year. Left Nationwide to switch. Did it all online.
Melita Cummings
I’m in the west part of Cleveland, OH. Got quotes from Allstate, American Family, and some I forget for my Lexus and saved $139 a year. Left 21st Century to switch. Get lots of quotes to find the best rate.
Elliott Medina
Great info, thanks for posting. I’m from Las Cruces, NM. Received quotes with State Farm, AAA, Erie, and Hartford for my ES 300h and I’m now saving $32 a month. Was with GEICO. BTW speeding tickets are not good. LOL
Carlos Luna
I’m looking for cheaper coverage. I live just to the north of Billings, Montana. Quoted with 21st Century, American Family, and Eastwood for my Lexus and I’m now saving $16 a month.
Azalee Holcomb
Hope my rates come down. From east side of Las Cruces, NM. Received rates from GEICO, Erie, and The General for my Lexus and cut my rates about $560 a year. Left Auto-Owners to switch.
Karina Lawson
If you don’t have tickets and live around Kailua, Hawaii, check out GEICO. You might get cheaper rates. Can still barely afford it.
Erminia Glenn
Mine is so expensive. Proud to be from Reno, NV. Compared quite a few companies. Saved about $30 a month. State Farm was the best choice for me. Left Hartford to switch. Not sure if rates are cheaper online or through an agent.
Christie Ford
I chose to switch to State Farm from Auto-Owners. I live in San Antonio, Texas. Thankfully I have a good driving record.
Andy Gould
Good site, thanks. Live in the western part of Saint Louis, Missouri. Quoted rates from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my 2016 Lexus ES 300h and I think I saved about $40 each month. Was with Amica. :)
Jamal Tanner
Went with American Family for my ES 300h and cut my rates about $250 a year. I’m a pretty low risk driver.
Jenni Gallegos
Got a quote with GMAC for my Lexus and saved about $350 a year. Good multi-policy discounts. I quoted rates online then called them.
Herma Kelley
Here’s my info. Lifelong resident of Anchorage, AK. Compared quite a few companies. Saved right around $20 a month. 21st Century was the cheapest for me.
Shasta Chandler
GEICO and State Farm had the best prices I found in Nevada.
Wendell Walton
I’m in Miami, Florida. Got car insurance quotes with AAA, Mercury, and some smaller one I can’t remember the name of for my Lexus and saved $381 a year. Insured with Western Auto Insurance before. Switched homeowners coverage too. Online quotes are the way to go.
Jeanene Dotson
Anyone know of any company in Worcester, Massachusetts that will insure high risk drivers?
Elfrieda Howell
Is a custom audio system covered by insurance?
Rosina Dawson
Well-written and thought out article. Proud to be from Chesapeake, VA. I got free rates from AIG Insurance, MetLife, and some smaller one I can’t remember the name of for my ES 300h and saved $432 a year. Left Erie to switch. Online quotes are the way to go.