2017 Lexus ES 300h Car Insurance Rates – 7 Tricks for Cheaper Quotes

Consumers have a choice when looking for the lowest priced Lexus ES 300h insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to make rate comparisons. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the quickest way to compare rates for a new or used Lexus and find the cheapest rates either online or from local insurance agents.

Consumers need to get comparison quotes before your next renewal because insurance coverage prices change quite often. Even if you think you had the best rates for ES 300h coverage a few years ago you can probably find a lower rate today. There is a lot of wrong information about insurance coverage on the web, but we’re going to give you some great ways to find affordable insurance coverage.

If you are insured now or are just looking to switch companies, you can use this information to cut your premiums while maximizing coverage. This information will help educate you on how car insurance quotes work and some tips to save money. Vehicle owners just need to understand the tricks to compare price quotes online.

How to compare auto insurance price quotes

Finding a lower price on 2017 Lexus ES 300h insurance is not rocket science. Consumers just need to take time to compare rate quotes to discover which company has cheap auto insurance quotes. Comparing prices online can be done using a couple different methods.

The easiest and least time consuming way to find low rates is a comparison rater form click here to open form in new window. This style of form eliminates the need for separate quote forms for every prospective company. Taking the time to complete one form gets coverage cost estimates from auto insurance companies with the best prices. Just one form and you’re done.

A harder way to obtain and compare quotes online requires visiting the website for every company you want to comare and repeat the quote process again and again. For examples sake, let’s assume you need rates from Nationwide, State Farm and Geico. To find out each rate you need to visit each site and type in your information over and over, which explains why we recommend starting with the first method.

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

If you have time to kill, the last method to compare price quotes to all the different insurance agencies. Comparing rate quotes online has reduced the need for local agents unless you prefer the professional abilities of an agent trained in personal lines coverage. Some companies do allow you to find lower rates online but still have the advice of a local agent.

Whichever way you use, do your best to use exactly the same coverage limits with each company. If you use differing limits you can’t possibly determine which company has the best rates.

Don’t overlook these seven insurance discounts

Insurance is not an enjoyable expense, but you may find discounts that may help make it more affordable. Some of these disounts will be visible at the time of quoting, but a few must be asked about before you will receive the discount.

• Good Student Discount – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for ES 300h coverage than their less cautious counterparts.
• Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower premium rates due to less chance of an accident.
• New Car Discount – Buying a new car instead of a used car is cheaper due to better safety requirements for new model year vehicles.
• Drivers Education – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Multiple Cars – Buying a policy with multiple cars or trucks with the same company may reduce the rate for each vehicle.
• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, that’s just not realistic.

To choose providers that provide some of the discounts listed above, follow this link.

When to get professional advice

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

• Do I need PIP (personal injury protection) coverage in my state?
• Is borrowed equipment or tools covered if stolen or damaged?
• What companies insure drivers after a DUI or DWI?
• Do I need more liability coverage?
• What are the best liability limits?
• What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Beware of misleading car insurance ads

Consumers can’t get away from ads that claim the lowest auto insurance rates by Geico, State Farm and Progressive. They all make the same claim that you’ll save big if you get a free auto insurance quote and switch your policy.

How is it plausible that every one can charge less that you’re paying now? It’s all in the words they use.

All the different companies give the best rates for the type of driver that is profitable for them. An example of a driver they prefer might be described as between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured who fits those characteristics receive the lowest rate quotes as well as cut their rates if they switch.

Insureds who are not a match for this ideal profile must pay higher prices which translates to the prospect going elsewhere. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” can get the lowest rates when switching. This is how companies can make the claims of big savings. This emphasizes why you need to compare quotes as often as possible. Because you never know the company that will have better rates than you’re paying now.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability

Liability coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, court costs, medical services and bail bonds. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Lexus ES 300h.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

Collision insurance pays for damage to your ES 300h resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, colliding with another moving vehicle, crashing into a building, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for chiropractic care, hospital visits and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Money doesn’t grow on trees

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice full coverage only to regret at claim time that they should have had better coverage. Your goal should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

We covered a lot of techniques to reduce 2017 Lexus ES 300h insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest priced car insurance comes from a small local company.

Drivers switch companies for many reasons like being labeled a high risk driver, high rates after DUI convictions, unfair underwriting practices and not issuing a premium refund. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

To learn more, take a look at the following helpful articles:

• Auto Theft Statistics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)