2017 Lexus ES 350 Insurance Quotes – 9 Ideas for Cheaper Rates

Buyers have lots of choices when searching for low-cost Lexus ES 350 insurance. They can either waste time driving around to compare prices or save time using the internet to compare rates.

There are both good and bad ways to find auto insurance online so we’re going to tell you the absolute fastest way to quote coverages on a Lexus and locate the best price possible either online or from local insurance agents.

If you have insurance now or are just looking to switch companies, you can use these tips to get lower rates while maximizing coverage. The purpose of this post is to introduce you to how car insurance quotes work and some tips to save money. Vehicle owners just need to understand how to buy car insurance online.

Cheaper car insurance quotes with discounts

Some companies don’t always advertise every possible discount very clearly, so we researched some of the best known and also the more inconspicuous discounts that you can inquire about if you buy insurance online. If you do not double check each discount possible, you are paying more than you should be.

  • Claim-Free Discount – Claim-free drivers get the best car insurance rates as compared to drivers with a long claim history.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Full Payment Discount – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Data Collection Discounts – People who choose to allow their car insurance company to monitor their driving habits by installing a telematics device such as State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on your bill.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with substantially lower car insurancerates.
  • Student Discounts – Excelling in school may save you up to 25%. This discount can apply up to age 25.
  • Defensive Driver Discount – Participating in a course teaching driver safety skills could earn you a small percentage discount and easily recoup the cost of the course.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A list of companies and their possible discounts are outlined below.

  • The Hartford has savings for good student, driver training, air bag, defensive driver, bundle, and vehicle fuel type.
  • American Family offers discounts including mySafetyValet, good driver, bundled insurance, multi-vehicle, and early bird.
  • Progressive includes discounts for online signing, multi-vehicle, good student, continuous coverage, online quote discount, homeowner, and multi-policy.
  • Travelers may offer discounts for driver training, home ownership, continuous insurance, good student, IntelliDrive, student away at school, and multi-car.
  • Farmers Insurance may have discounts that include bundle discounts, multi-car, good student, mature driver, and early shopping.
  • USAA policyholders can earn discounts including multi-policy, annual mileage, military installation, driver training, defensive driver, and vehicle storage.
  • Liberty Mutual has discounts for teen driver discount, exclusive group savings, new graduate, multi-car, preferred payment discount, and safety features.

When getting a coverage quote, ask each company or agent to give you their best rates. Savings might not apply everywhere. To view companies with the best discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

  • Am I covered if I crash into my own garage door?
  • What exactly is covered by my policy?
  • Will my insurance pay for OEM parts?
  • Why am I required to buy high-risk coverage?
  • Is upholstery damage covered by car insurance?
  • Should I rate my 2017 Lexus ES 350 as pleasure use or commute?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance in the media

Consumers constantly see and hear ads that promise big savings from companies such as State Farm, Geico and Progressive. They all seem to advertise claims about saving some big amount if you change your policy.

How does each company make the same claim? It’s all in the words they use.

All the different companies have a certain “appetite” for the type of driver that earns them the highest profit. An example of this type of driver should be over the age of 45, has no tickets, and does not commute to work. Anyone that hits that “sweet spot” will get low auto insurance rates and most likely will save a lot if they switch.

Potential customers who do not fit the ideal profile will be quoted a higher premium which results in the customer not buying. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save that much. That is how companies can truthfully advertise the way they do.

Because of these techniques, you absolutely need to compare rate quotes every year. Because you never know the company that will have the best premium rates.

Specific coverages for a 2017 Lexus ES 350

Knowing the specifics of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

This provides protection from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like bail bonds, emergency aid and legal defense fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Collision insurance

This will pay to fix damage to your ES 350 caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like dental work, pain medications, chiropractic care, ambulance fees and X-ray expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

More quotes mean more savings

When getting insurance quotes online, make sure you don’t reduce needed coverages to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The aim is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

Drivers switch companies for any number of reasons including policy cancellation, high rates after DUI convictions, denial of a claim or poor customer service. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

Throughout this article, we presented some good ideas how you can reduce 2017 Lexus ES 350 insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier.

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