Save on 2008 Lexus ES 350 Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Want the cheapest auto insurance rates for your Lexus ES 350? Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other consumers.

With so many online and local companies to choose from, it can be impossible to choose the cheapest provider.

It is always a good idea to price shop coverage every six months since insurance rates are variable and change quite frequently. Even if you got the best deal on ES 350 coverage six months ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the best way to buy cheaper auto insurance.

Comprehensive Insurance Comparison

There are several ways to shop for Lexus ES 350 insurance, but one way is less time-consuming than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Many of the larger companies take part in a program where insurance shoppers only type in their quote data once, and every company can give them a price based on that information. This prevents consumers from doing quote forms for every insurance company.

To get comparison pricing now click here to start a free quote.

The one disadvantage to pricing coverage this way is you don’t know exactly which companies to get pricing from. So if you want to select from a list of companies to compare rates, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same deductibles and coverage limits for each price quote. If your comparisons have different limits and deductibles on each one you can’t possibly determine the lowest rate for your Lexus ES 350. Quoting even small variations in limits may cause a big price difference. And when comparison shopping, more quotes gives you a better chance of getting the best rates.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

  • Do I need special endorsements for business use of my vehicle?
  • Does insurance cover damages from a DUI accident?
  • How can I find cheaper teen driver insurance?
  • I don’t drive much so do I pay less?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need replacement cost coverage on my 2008 Lexus ES 350?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverage information

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.

Coverage for collisions

This coverage pays for damage to your ES 350 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for things like chiropractic care, rehabilitation expenses, EMT expenses and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, structural damage and loss of income. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, hitting a bird 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 consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Lexus ES 350.

Since many 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 should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

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