Save on 2017 Lexus ES 300h Car Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2024

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Drivers have a choice when trying to find the best price on Lexus ES 300h insurance. They can either spend hours driving around to get rate comparisons or use the internet to compare rates.

There are both good and bad ways to buy auto insurance and you need to know the absolute fastest way to get price quotes on a Lexus and find the lowest price either online or from local insurance agents.

If you have a policy now or are just looking to switch companies, you can follow these tips to cut your premiums while maximizing coverage. The purpose of this post is to help you learn how to effectively get price quotes and some tips to save money. Consumers just need to know the tricks to buy insurance coverage online.

Use discounts to get cheaper car insurance quotes

Not many people think insurance is cheap, but there are discounts available that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be specially asked for before they will apply.

  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems could see savings up to 30%.
  • Auto/Life Discount – Not all companies offer life insurance, but some may give you a break if you buy some life insurance too.
  • Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save a little off the personal injury premium cost.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
  • Bundled Policy Discount – If you combine your homeowners and auto policies with the same company you may save 10% to 20% off each policy.
  • Government Employee Discount – Active or retired federal employment can earn a discount up to 10% on ES 300h insurance but check with your company.
  • 55 and Retired – Older drivers are able to get better car insurance rates on ES 300h insurance.
  • Discounts for Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.

We need to note that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren’t that generous.

Larger car insurance companies and their offered discounts are detailed below.

  • Progressive has discounts for homeowner, multi-vehicle, multi-policy, online quote discount, online signing, continuous coverage, and good student.
  • AAA discounts include multi-car, good driver, multi-policy, good student, AAA membership discount, pay-in-full, and education and occupation.
  • Farmers Insurance offers discounts for distant student, pay in full, youthful driver, bundle discounts, early shopping, and switch companies.
  • GEICO includes discounts for good student, driver training, military active duty, five-year accident-free, membership and employees, and air bags.
  • Esurance may have discounts that include good driver, Pac-12 alumni, emergency road assistance, renters, and defensive driver.
  • SAFECO offers discounts including anti-lock brakes, bundle discounts, homeowner, multi-car, and safe driver.
  • State Farm policyholders can earn discounts including good student, passive restraint, driver’s education, multiple policy, anti-theft, accident-free, and student away at school.

Double check with every prospective company which discounts they offer. A few discounts might not be offered everywhere.

Tailor your car insurance coverage to you

When choosing coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can aid in determining whether you could use an agent’s help.

  • Do I need roadside assistance coverage?
  • Are my friends covered when driving my car?
  • How can I get my company to pay me more for my totalled car?
  • Is my nanny covered when driving my vehicle?
  • Do I pay less for low miles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need rental car coverage?
  • What is high-risk coverage and where do I buy it?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for nursing services, surgery and funeral costs. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverage

Liability coverage can cover damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair bills for other people’s vehicles, bail bonds, medical services, medical expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Lexus ES 300h.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

One last thing

As you quote insurance, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where an insured cut liability coverage limits and learned later that it was a big mistake. The proper strategy is to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Insureds change insurance companies for a variety of reasons including poor customer service, questionable increases in premium, policy cancellation and lack of trust in their agent. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

We covered a lot of techniques to reduce 2017 Lexus ES 300h insurance rates online. The key concept to understand is the more companies you get auto insurance rates for, the better your comparison will be. Consumers could even find that the best price on car insurance is with a small mutual company.

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