2014 Lexus ES 350 Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 2014 Lexus ES 350 are $1,288 a year for full coverage insurance. Comprehensive insurance costs an estimated $270 each year, collision insurance costs $494, and liability insurance costs $388. Buying a liability-only policy costs as little as $434 a year, and high-risk insurance costs $2,792 or more. Teenage drivers receive the highest rates at up to $4,802 a year.
Annual premium for full coverage: $1,288
Rate estimates for 2014 Lexus ES 350 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 Lexus ES 350 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $434 for only liability insurance to a high rate of $2,792 for high-risk insurance.
These differences illustrate why all drivers should compare rates for a targeted area and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2014 Lexus ES 350 Insurance
Looking for cheaper auto insurance rates for your Lexus ES 350? Nobody enjoys paying for auto insurance, in particular when they are paying too much. Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate possible.
It is always a good idea to get comparison quotes on a regular basis due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the best deal for ES 350 coverage two years ago you can probably find a better price now. Ignore everything you know about auto insurance because you’re about to learn the quickest way to find the best coverage while lowering your premiums.
If you have a current auto insurance policy or need a new policy, you will benefit by learning to get lower rates and still get good coverage. Choosing the best insurance company for you is not rocket science. Vehicle owners only need to know the proper way to get comparison rates on the web.
How to Compare Insurance Coverage
Getting better 2014 Lexus ES 350 insurance coverage pricing can be relatively painless. All that’s required is to take a couple of minutes comparing price quotes online from several insurance companies. This is very easy and can be done in several different ways.
- The first (and easiest) way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating multiple quote forms for each company you want a rate for. One form compares rates from many national carriers.
- A slightly less efficient method to get comparison quotes is spending the time to visit each company website to complete a price quote. For instance, we’ll assume you want to compare Farmers, Allstate and Liberty Mutual. To find out each rate you need to go to every website to input your insurance information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
It doesn’t matter which method you choose, just compare identical deductibles and coverage limits with each company. If your comparisons have higher or lower deductibles you will not be able to find the best deal for your Lexus ES 350.
Are insurance coverage companies telling the truth?
Consumers can’t get away from ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make the same claim of big savings if you switch your policy.
How do they all claim to save you money? This is how they do it.
All the different companies are able to cherry pick for the type of driver they prefer to insure. A good example of a preferred risk could possibly be over the age of 40, is a homeowner, and has excellent credit. A customer getting a price quote who meets those qualifications will get very good rates and therefore will save when they switch companies.
Potential customers who don’t meet the requirements must pay higher rates which usually ends up with business going elsewhere. The ads state “people who switch” not “everybody who quotes” save that much. This is how companies can advertise the way they do. This illustrates why it is so important to get quotes from several different companies. It’s impossible to know which insurance companies will fit your personal profile best.
Save money by taking advantage of these discounts
Auto insurance companies do not advertise all available discounts very well, so we break down some of the best known and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you are throwing money away.
- Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for ES 350 coverage than drivers with accident claims.
- Club Memberships – Being a member of a professional or civic organization may earn a discount when shopping for auto insurance for ES 350 coverage.
- Drivers Ed for Students – Have your child take driver’s ed class in school.
- Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
- Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
- Distant Student – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
- Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save 5% or more.
It’s important to understand that some of the credits will not apply the whole policy. Most only reduce individual premiums such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, you’re out of luck.
To see a list of insurance companies offering auto insurance discounts, click this link.
When should I use an insurance agent?
When it comes to choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might help in determining if your insurance needs may require specific advice.
- Do I get a pro-rated refund if I cancel my policy early?
- Is there coverage for injuries to my pets?
- What is the rate difference between pleasure use and commuting?
- Are split liability limits better than a combined single limit?
- Does my personal policy cover me when driving out-of-state?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- What vehicles should carry emergency assistance coverage?
- How much liability do I need to cover my assets?
- Do I pay less for low miles?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Coverages available on your insurance policy
Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.
Collision coverages – This coverage will pay to fix damage to your ES 350 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as hitting a parking meter, colliding with a tree, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.
Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like fire damage, hail damage, vandalism, a broken windshield and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Lexus ES 350.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Auto liability – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability can pay for claims such as pain and suffering, emergency aid, bail bonds and medical services. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like nursing services, prosthetic devices, ambulance fees and pain medications. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Be a penny pincher
You just learned many ways to compare 2014 Lexus ES 350 insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the best prices are with an unexpected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.
As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. In too many instances, consumers will sacrifice physical damage coverage only to regret that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.
More tips and info about insurance is located by following these links:
Rates by U.S. City
|New York City, NY||$2,031|
|Los Angeles, CA||$2,199|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$96|
|5-yr Claim Free||$84|
|Paid in Full/EFT||$59|
Discounts are estimated and may not be available from every company or in every state.