Drivers Discover Savings on Lexus ES 350 Insurance

Feel like you’re a prisoner to an overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat. Big-name insurance companies like Progressive, State Farm and GEICO continually bombard you with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

If you have a current car insurance policy or are just looking to switch companies, you can use this information to find better prices and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners just need to learn the tricks to compare company rates on the web.

How to Get Car Insurance

Most companies give price estimates on the web. The process is fairly straightforward as you just enter your personal and coverage information into a form. Behind the scenes, their rating system pulls reports for credit and driving violations and returns a price quote determined by many factors. Quoting online simplifies rate comparisons, but the time it takes to visit several different sites and type in the same information gets old quite quickly. But it is imperative to compare as many rates as possible if you want to find the best price possible.

The smarter way to find better car insurance pricing uses one simple form that obtains quotes from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. After sending the form, your coverage is rated and you can choose any one of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To quickly find out what other companies charge, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend that you enter the limits and deductibles identical to your current policy. Doing this guarantees you will get rate quotes for similar coverage.

Parts of the Lexus ES 350 rate equation

Consumers need to have an understanding of some of the elements that come into play when calculating car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to big savings. auto insurance

The list below includes a few of the “ingredients” companies use to determine prices.

  • High performance equals high price – The performance level of the vehicle you are insuring makes a huge difference in your rates. Since the Lexus ES 350 falls in the luxury sedan class, insuring your vehicle will cost more as compared to the average rate. Lower performance four cylinder passenger models usually have the lowest rates, but the final cost of insurance is determined by many other factors.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that can waste your money if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness and membership fees may be costing you every month. They may seem good at first, but your needs may have changed so get rid of them and save.
  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Do men or women drive better? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Men and women tend to get into accidents at about the same rate, but the males tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.
  • Discounts for multiple policies – The majority of car insurance companies will give a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to compare other company rates to confirm you are receiving the best rates possible.

Take discounts and save

Auto insurance companies don’t always publicize every available discount very well, so we break down both the well known and the harder-to-find ways to save on car insurance. If you don’t get every credit available, you’re paying more than you need to.

  • Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on ES 350 coverage with a few car insurance companies.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could cut 10% or more off your PIP or medical payments premium.

Drivers should understand that most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you can get free auto insurance, you’re out of luck.

Which policy gives me the best coverage?

When it comes to buying the best car insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I need higher deductibles?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I rate my Lexus ES 350 as pleasure use or commute?
  • Where can I get insurance after a DUI in my state?
  • Is business property covered if stolen from my car?
  • Is my Lexus ES 350 covered for flood damage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Smart consumers save more

Affordable Lexus ES 350 insurance can be found from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

In this article, we presented many tips how you can get a better price on Lexus ES 350 insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

When trying to cut insurance costs, do not buy less coverage just to save a little money. Too many times, drivers have reduced liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.