Compare 2013 Lexus ES 350 Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Lexus ES 350? Locating the cheapest insurance for a new or used Lexus ES 350 can normally be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the proper way to price shop coverage for your Lexus and locate the cheapest rates either online or from local insurance agents.

It’s a good idea to do rate comparisons once or twice a year due to the fact that insurance prices tend to go up over time. Even if you got the best rate on ES 350 coverage a year ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the tricks you need to know to save money, get proper coverage and the best rates.

Finding insurance

Finding cheap insurance prices can be quick and easy. All you need to do is take time comparing rate quotes from some recommended companies. This can be done by following the guidelines below.

1. One of the best ways to get quotes is a comparison rater form click here to open form in new window. This easy form eliminates the need for repetitive form submissions for every company. A single, simple form gets insurance cost estimates from all major companies. Recommended for those who want to invest the least amount of time.
2. Another way to analyze rates requires a visit to the website for each individual company to complete a price quote. For instance, we’ll assume you want to compare USAA, Allstate and Progressive. To do that, you would have to spend time going to each site individually to input your insurance information, which explains why we recommend starting with the first method.

   For a handy list of car insurance company links in your area, click here.

3. The most difficult way to find and compare rates is going to local insurance agencies. Quoting online eliminates this option unless you have a complicated situation and need the guidance only provided by licensed agents. Some companies do allow you to comparison shop your insurance online and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples quote information for each quote you get. If the quotes have different deductibles you can’t possibly determine which rate is truly the best.

Discount insurance coverage rates

Some companies don’t always publicize every discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known ways to save on insurance coverage.

• Own a Home and Save – Owning a home may trigger a policy discount on insurance coverage because it is proof of financial responsibility.
• First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Progressive, State Farm and Geico will let one accident slide before they charge you more for coverage so long as you are claim-free prior to being involved in the accident.
• Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks off the personal injury premium cost.
• Payment Method – By making one initial payment instead of paying each month you could save up to 5%.

It’s important to understand that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will positively reduce the amount you pay for coverage.

If you would like to see a list of providers with discount insurance coverage rates, click this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

• Should I get collision insurance on every vehicle?
• Should I rate my 2013 Lexus ES 350 as pleasure use or commute?
• Does my insurance cover my expensive audio equipment?
• Am I missing any policy discounts?
• Should I sign the liability waiver when renting a car?
• What is the rate difference between pleasure use and commuting?
• Why do I only qualify for high-risk insurance?
• What are the financial responsibility laws in my state?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Specific coverages for a 2013 Lexus ES 350

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Lexus ES 350.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability – This coverage can cover injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, falling objects, hitting a deer, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance pays for damage to your ES 350 caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for things like pain medications, prosthetic devices and funeral costs. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage