Lower Your 2018 Lexus ES 350 Insurance Quotes 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: May 22, 2024

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No car owner rejoices having to buy auto insurance, particularly when the cost is too high. You have multiple auto insurance companies to choose from, and even though it’s nice to have a choice, lots of choices makes it harder to find a good deal.

Consumers need to price shop coverage yearly since insurance prices trend upward over time. Even if you think you had the lowest rate on ES 350 coverage six months ago a different company probably has better premium rates today. Block out anything you think you know about auto insurance because you’re going to learn the proper way to remove unneeded coverages and save money.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these techniques. Consumers only need an understanding of the proper methods to shop online.

How to find cheap insurance

Lowering your 2018 Lexus ES 350 insurance rates doesn’t have to be difficult. Just invest a few minutes comparing price quotes to discover which company has affordable car insurance quotes. This can easily be done by following the guidelines below.

One of the best ways consumers can analyze rates would be an industry-wide quote request form. This method eliminates the need for repetitive form submissions for each company you want a rate for. One simple form will get you price quotes from all major companies.

A harder way to get quotes online requires you to visit the website for each individual company and complete a new quote form. For example, let’s say you are doing a rate comparison from Farmers, Progressive and American Family. In order to get each rate, you would have to go to every website and type in your information over and over, and that explains why we recommend the first method.

You can choose any of those ways to find more affordable coverage, but ensure you’re using the exact same coverages for each price quote. If you use differing limits you will not be able to find the best deal for your Lexus ES 350.

Insurance discounts are available to lower your rates

Auto insurance companies don’t list their entire list of discounts in a way that’s easy to find, so we researched both well-publicized and also the lesser-known credits available to bring down your rates.

  • Include Life Insurance and Save – Companies who offer life insurance give better rates if you take out some life insurance too.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Anti-theft System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • Low Mileage – Low mileage vehicles could be rewarded with lower insurance rates due to less chance of an accident.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Driving Data Discount – Insureds that choose to allow driving data submission to track driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
  • Military Rewards – Having a family member in the military could mean lower rates.

It’s important to note that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

To find companies that offer some of these discounts, enter your zip code here.

Lexus ES 350 insurance rates can be cheaper

Multiple criteria are considered when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although others are less obvious like your vehicle usage or your vehicle rating.

  • Commute or pleasure use – Driving more miles every year the more you’ll pay to insure it. Many insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much can be on a lower rate level than those that get driven frequently. Having the wrong rating on your ES 350 can cost quite a bit. Ask your agent if your policy correctly shows the correct usage, because improper ratings can cost you money.
  • Older drivers are lower risk – Older people have been proven to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets. Youthful drivers have been known to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.
  • No coverage gaps is important – Having a lapse in insurance coverage is a guaranteed way to drive up your policy premiums. And not only will your rates increase, not being able to provide proof of insurance may result in a revoked license or a big fine. You may then have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Your credit rating is important – Having a bad credit history factor in determining what you pay for auto insurance. So if your credit could use some work, you could save money insuring your 2018 Lexus ES 350 by repairing your credit. Drivers who have high credit ratings tend to be more responsible and file fewer claims than drivers who have poor credit scores.
  • Gals pay lower premiums – The statistics show that females tend to be a little less risky than males. Now that doesn’t mean men are worse drivers. Females and males are in accidents in similar numbers, but males have costlier accidents. Men also statistically get ticketed for serious violations like reckless driving and DUI.
  • You may save more by consolidating policies – Lots of auto insurance companies allow discounts to buyers who buy several policies from them. It’s known as a multi-policy discount. Even if you qualify for this discount already, consumers should still comparison shop to confirm you are receiving the best rates possible. It’s possible to still save money by buying insurance from more than one company.
  • Rates increase with policy add-ons – There are many extra coverages that may not really be needed on your auto insurance policy. Insurance for things like vanishing deductibles, high-cost glass coverage, and Farm Bureau memberships are probably not needed. The coverages may be enticing at first, but if you’ve never needed them in the past get rid of them and save.
  • Pay less with a high NHTSA crash test rating – Vehicles that have high safety ratings are cheaper to insure. These vehicles protect occupants better and fewer injuries means less money paid by your insurance company and cheaper rates on your policy. If the Lexus ES 350 scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Everyone needs different car insurance coverages

When choosing the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine if you will benefit from professional help.

  • Am I covered when driving in Canada or Mexico?
  • Is my ex-spouse still covered by my policy?
  • Is my state a no-fault state?
  • Am I covered when driving a rental car?
  • If my 2018 Lexus ES 350 is totaled, can I afford another vehicle?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete your zip code. It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for surgery, pain medications and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, a tree branch falling on your vehicle, hitting a bird and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Lexus ES 350.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision coverages – This coverage pays for damage to your ES 350 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability insurance – This coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as loss of income, legal defense fees and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Save your hard earned cash

We just showed you many tips how you can reduce 2018 Lexus ES 350 insurance car insurance rates online. The key thing to remember is the more you quote car insurance, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from an unexpected company. Smaller companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Discount 2018 Lexus ES 350 insurance can be bought both online as well as from insurance agents, so you need to shop car insurance with both to get a complete price analysis. Some insurance companies do not provide the ability to get quotes online and these regional insurance providers only sell through independent insurance agencies.

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