Cheaper 2011 Lexus ES 350 Insurance Quotes

Having to pay for overpriced insurance coverage can empty your savings account and force you to prioritize other expenses. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.

Drivers have so many auto insurance companies to pick from, and though it is a good thing to be able to choose, it can be more challenging to find the lowest rates.

Consumers should take time to take a look at other company’s rates yearly due to the fact that insurance rates fluctuate regularly. Just because you found the best rates for ES 350 insurance a few years ago there may be better deals available now. Starting right now, block out anything you think you know about insurance coverage because you’re going to get a crash course in the fastest way to save on insurance coverage.

The quickest method to compare rates is to take advantage of the fact most of the bigger providers participate in online systems to compare their rates. To start a quote, the only thing you need to do is take a few minutes to give details including if you have a valid license, coverage limits, if a SR-22 is needed, and driver ages. Your details is instantly sent to multiple auto insurance providers and you get price estimates instantly to find the best rate.

To compare rates now, click here and enter your zip code.

Do you qualify for discounts?

Companies offering auto insurance don’t necessarily list all available discounts very well, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Government Employees – Simply working for the federal government may qualify you for a discount for ES 350 insurance with a few auto insurance companies.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The good student discount can last until age 25.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for ES 350 insurance than less cautious drivers.
  • College Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.

It’s important to note that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

Companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company how you can save money. Savings might not apply in your area.

Don’t assume everyone needs the same coverage

When choosing coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Are all vehicle passengers covered by medical payments coverage?
  • When do I need to add a new car to my policy?
  • Am I getting all the discounts available?
  • Why am I required to get a high-risk car insurance policy?
  • What are the financial responsibility laws in my state?
  • Am I covered when driving on a suspended license?
  • Am I better off with higher deductibles on my 2011 Lexus ES 350?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance specifics

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Comprehensive auto coverage

Comprehensive insurance 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 coverage pays for things such as hail damage, theft and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision insurance pays for damage to your ES 350 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb, rolling your car 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Lexus ES 350.

Because many people only carry the minimum required liability limits, 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.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like rehabilitation expenses, X-ray expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability insurance

This protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, bail bonds and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.