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Lexus ES 350 Insurance Rates

There are many options when attempting to insure your Lexus vehicle. You can either buy through an agent or go online to compare pricing from a lot of car insurance companies. Comparing car insurance through online companies can be fast and easy and there is a good chance you can save money.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of online car insurance companies and websites offering insurance. There are several ways to compare rate quotes from car insurance companies in your area. The fastest way to find the lowest Lexus ES 350 insurance quotes involves getting comparison quotes online. This can be accomplished by visiting this page.

FREE Car Insurance Comparison

Car insurance premiums for your Lexus ES 350 can be significantly different depending on several factors. Some of these factors include:

  • Higher performance ES 350 vehicles cost more
  • How many accidents you have had
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Mature drivers pay less
  • Being married can lower rates
  • Extra coverages like towing and rental
  • Your occupation
  • The amount of protection requested
  • Whether you own your home

An additional factor that can impact Lexus ES 350 insurance rates is the year of the vehicle. Used vehicles cost less than newer models so the payout to repair may result in lower rates. But new Lexus models may have safety features including pedestrian detection, a collision avoidance system, and adaptive headlights that may help provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your ES 350 below.

Coverage for liability

This coverage provides protection from damage that occurs to other's property or people. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.

How Much are Lexus ES 350 Insurance Rates?