View 2011 Lexus ES 350 Insurance Rates

Looking for better auto insurance rates for your Lexus ES 350? Being forced to pay for high-priced auto insurance premiums can consume your bank account and force you to prioritize other expenses. Comparing rate quotes is free and is an excellent way to ensure you are getting the best deal.

Companies like State Farm, Farmers Insurance, Geico and Allstate continually bombard you with TV and radio ads and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

Compare auto insurance quotes online

There are multiple methods to shop for auto insurance, but there is one way that is more efficient than others. You can waste hours talking about coverages with agents in your area, or you can utilize online quotes to get prices fast.

Most car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote based on that information. This prevents consumers from doing quote forms to each individual auto insurance company.

To access this free quoting program, click to open in new window.

The single downside to pricing coverage this way is that consumers can’t choose which providers you want to price. If you would rather choose individual companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

The approach you take is up to you, just do your best to enter the same quote information on every price quote you get. If your comparisons have differing limits it’s impossible to decipher which rate is best. Just a small difference in limits may result in large price differences. And when comparing auto insurance rates, know that quoting more will increase your chances of finding more affordable insurance. Not every company provides online rate quotes, so it’s recommended that you also compare price estimates from the smaller companies as well.

Discounts can really help lower premiums

Auto insurance companies do not list their entire list of discounts very well, so we took the time to find a few of the more well known and the harder-to-find credits available to you.

  • Include Life Insurance and Save – Select companies reward you with lower insurance coveragerates if you buy life insurance from them.
  • Save with More Vehicles Insured – Buying coverage for multiple cars or trucks with the same insurance coverage company could earn a price break for each car.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save 10% or more off the PIP or medical payment premium.
  • Student in College – Older children who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
  • Military Discounts – Being on active duty in the military may lower your insurance coverage rates slightly.
  • Anti-lock Brakes – Cars and trucks equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
  • Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can avoid monthly service charges.
  • Passive Restraints and Air Bags – Factory options such as air bags may earn rate discounts as much as 30%.
  • Employee of Federal Government – Federal government employees could cut as much as 10% off on ES 350 insurance depending on your company.

Please keep in mind that most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

A few popular companies and some of their more popular discounts are outlined below.

  • American Family offers discounts for accident-free, good student, Steer into Savings, TimeAway discount, air bags, early bird, and bundled insurance.
  • Nationwide policyholders can earn discounts including family plan, easy pay, anti-theft, accident-free, Farm Bureau membership, and business or organization.
  • MetLife offers discounts including accident-free, claim-free, good student, multi-policy, good driver, defensive driver
  • 21st Century has discounts for driver training, student driver, 55 and older, good student, defensive driver, and theft prevention.
  • Farmers Insurance may offer discounts for good student, business and professional, bundle discounts, switch companies, teen driver, distant student, and early shopping.
  • Allstate may include discounts for good student, early signing, defensive driver, anti-theft, premier plus, and premier discount.

If you are trying to find cheaper auto insurance quotes, ask each company or agent which discounts can lower your rates. All car insurance discounts might not be offered in your area. To choose providers that offer multiple discounts, click here.

Lexus ES 350 insurance rates can be reduced

It’s important that you understand the factors that play a part in calculating your premiums. When you understand what impacts premium levels, this enables you to make decisions that could help you find cheaper rates.

  • Deter theft and pay less – Buying a car with an alarm system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.
  • High credit score translates to low costs – Having a good credit score factor in your rate calculation. If your credit score is low, you could pay less to insure your 2011 Lexus ES 350 by improving your rating. Insureds with excellent credit tend to file fewer claims and have better driving records as compared to drivers with bad credit.
  • You may save more by combining policies – Some insurers allow better rates to insureds that buy multiple policies in the form of a multi-policy discount. The discount can be 10 percent or more. Even with this discount, drivers will still want to compare other insurance prices to ensure the best deal.
  • Premiums drop with age – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.Beginning drivers are statistically proven to be easily distracted behind the wheel so they pay higher auto insurance rates.
  • Save miles driven and save money – The higher the miles on your Lexus annually the more you’ll pay to insure your vehicle. The majority of insurers calculate prices based upon how the vehicle is primarily used. Cars and trucks left parked in the garage receive better premium rates than those that get driven frequently. It’s always a good idea to double check that your auto insurance coverage is showing the correct driver usage. Having an incorrect usage rating on your ES 350 may be costing you higher rates.
  • Buy as much liability insurance as you can afford – The liability coverage on your policy will afford coverage if ever you are determined to be liable for an accident. It will provide legal defense which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Rates increase with driving citations – Your driving citation history has a big impact on rates. Having just one citation can increase the cost of insurance forty percent or more. Good drivers get better prices than people who have multiple driving citations. Drivers who have gotten serious violations such as DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state motor vehicle department in order to drive a vehicle legally.

Will just any policy work for me?

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions could help you determine if your situation may require specific advice.

  • Am I covered by my spouse’s policy after a separation?
  • Do I need medical payments coverage since I have good health insurance?
  • What is PIP insurance?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Why am I required to buy liability insurance?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Information about specific coverages

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Auto liability insurance

Liability coverage protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as loss of income, bail bonds, medical expenses, attorney fees and pain and suffering. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, falling objects, fire damage, hail damage and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Lexus ES 350.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses such as ambulance fees, surgery and pain medications. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This covers damage to your ES 350 resulting from colliding 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 things such as sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

And the best car insurance company is…

You just read some good ideas how you can shop for 2011 Lexus ES 350 insurance online. The key thing to remember is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even discover the best car insurance rates are with an unexpected company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or Geico.

Some insurance companies may not provide online price quotes and many times these smaller providers only sell coverage through independent agents. Cheap 2011 Lexus ES 350 insurance can be sourced on the web as well as from independent agents, so you should compare both in order to have the best chance of saving money.

Much more information about insurance can be found below: