2010 Lexus ES 350 Insurance Rates

Looking for lower insurance coverage rates for your Lexus ES 350? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us when we tell you there are lots of people in the same boat.

Online insurance companies like State Farm and Geico continually bombard you with ad campaigns and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

You need to check insurance coverage prices on a regular basis since rates change quite often. Even if you got the lowest rates on ES 350 insurance a few years ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage online but with this article, you’re going to get some excellent ideas to quit paying high insurance coverage rates.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. Buying car insurance is not that difficult. But consumers need to have an understanding of the way insurance companies compete online and take advantage of how the system works.

Insurance Comparisons

All the larger insurance companies give insurance quotes on the web. Getting online quotes is quite easy as you just enter your coverage information into a form. When complete, the company’s rating system orders your driving record and credit report and provides a quote determined by many factors. Online price quotes makes it a lot easier to compare rates but the process of having to visit several different sites and fill out multiple forms can be a bit repetitive. But it’s very important to compare as many rates as possible if you are searching for the lowest price.

A quicker way to compare insurance pricing uses one simple form that gets prices from several different companies. It’s a real time-saver, requires less work, and makes online shopping a little more enjoyable. Immediately after submitting the form, it is quoted and you can choose any or none of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and could lower your rates considerably.

To compare rates using this form now, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate deductibles and limits identical to your current policy. This guarantees you are getting a rate comparison for similar insurance coverage.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but some may not be applied and must be specifically requested prior to getting the savings.

Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
Low Mileage Discounts – Driving fewer miles can earn discounted rates on garaged vehicles.
Paperless Signup – A few companies may give you up to $50 simply for signing on their website.
Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Senior Citizens – Mature drivers may receive a small decrease in premiums on ES 350 insurance.
Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
College Student – Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
Lower Rates for Military – Being on active duty in the military could mean lower rates.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

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

Check with each insurance company which discounts they offer. All car insurance discounts may not be available everywhere.

How to know if you need help

When buying proper insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you will benefit from professional help.

Can I rate high risk drivers on liability-only vehicles?
Is my vehicle covered by my employer’s policy when using it for work?
Am I covered when driving in Canada or Mexico?
Do I have coverage when pulling a U-Haul trailer?
Do I need to file an SR-22 for a DUI in my state?
What if I owe more than I can insure my car for?
What is medical payments coverage?
Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Specifics of your auto insurance policy

Having a good grasp of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Auto collision coverage

Collision coverage pays for damage to your ES 350 caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for funeral costs, EMT expenses, surgery and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability

This coverage protects you from damage that occurs to other’s property or people in 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. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like legal defense fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, hitting a bird and hail damage. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Lexus ES 350.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.