2012 Lexus ES 350 Car Insurance Rates – 5 Ideas for Cheapest 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 11, 2022

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Trying to find the cheapest insurance rates for your Lexus ES 350? Are you sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than many other drivers. Drivers have multiple auto insurance companies to pick from, and although it’s nice to have a choice, too many choices makes it more difficult to adequately compare rates.

It’s smart to compare rates once or twice a year because insurance rates fluctuate regularly. If you had the lowest price on ES 350 coverage a couple years back the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance online but we’re going to give you some solid techniques on how to find affordable insurance.

Finding the best rates is not that difficult. If you are insured now or need a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Consumers just need to know the best way to buy insurance online.

The quickest method to compare policy rates is to know most of the larger companies have advanced systems to compare rate quotes. The one thing you need to do is give them rating details such as how much coverage you want, if a SR-22 is required, your job, and your general credit rating. Those rating factors is sent automatically to multiple insurance providers and they respond with quotes instantly to find the best rate.

To start a rate quote now, click here and enter the information requested.

Don’t miss these five discounts

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so we break down some of the best known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Senior Citizens – Mature drivers may be able to get better car insurance rates on ES 350 coverage.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Homeowners Pay Less – Owning a house can save you money because owning a home requires personal responsibility.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

Car insurance companies who might offer some of the above discounts include:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not be available in every state.

When might I need help?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help highlight if you may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • Can I get a multi-policy discount?
  • Why do I only qualify for high-risk insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Is business property covered if stolen from my car?
  • Do I need PIP coverage since I have good health insurance?
  • What is the rate difference between pleasure use and commuting?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if I crash into my own garage door?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Car insurance coverage information

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, a broken windshield and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Lexus ES 350.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision insurance

Collision coverage covers damage to your ES 350 resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, backing into a parked car, hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage

This coverage will cover damage that occurs to other people or property 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 values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things like loss of income, repair costs for stationary objects, repair bills for other people’s vehicles, legal defense fees and court costs. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like doctor visits, hospital visits and nursing services. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

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