Cheapest 2019 Lexus ES 350 Insurance Rates in 2023
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UPDATED: Apr 30, 2020
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Looking for better auto insurance rates for your Lexus ES 350? Scraping up a payment for expensive Lexus ES 350 insurance can bleed your accounts and force you to make tough financial choices.
Due to the increasing number of online and local companies to choose from, it is hard for the average consumer to pick the lowest price auto insurance company.
The best way we recommend to compare insurance rates in your area takes advantage of the fact almost all companies provide online access to provide you with free rate quotes. The only thing you need to do is give them rating details including your education level, your credit rating estimate, level of coverage desired, and daily mileage. That information gets transmitted to multiple top-rated companies and they return quotes immediately.
Discount insurance coverage quotes
Insurance coverage is easily one of your largest bills, but you can get discounts that many people don’t even know exist. Some of these disounts will be visible when you complete an application, but some may not be applied and must be asked for prior to getting the savings.
- Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
- Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
- Defensive Driver Discount – Successfully completing a driver safety class could cut 5% off your bill depending on where you live.
- Save with More Vehicles Insured – Buying insurance for multiple cars on one policy can get a discount on all vehicles.
- Senior Citizen Discount – Mature drivers can get reduced rates on ES 350 coverage.
- Lower Rates for Military – Being on active deployment in the military may lower your prices slightly.
- Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks on the medical payments or PIP coverage costs.
- Buy New and Save – Adding a new car to your policy may earn a small discount because newer vehicles are generally safer.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like you could get a free insurance coverage policy, it’s just not the way it works. But all discounts should definitely cut the amount you have to pay.
A few popular companies and their possible discounts can be read below.
- 21st Century policyholders can earn discounts including air bags, driver training, good student, anti-lock brakes, and 55 and older.
- Progressive offers premium reductions for online signing, homeowner, online quote discount, good student, and continuous coverage.
- State Farm may include discounts for good driver, Steer Clear safe driver discount, student away at school, safe vehicle, defensive driving training, and good student.
- Nationwide has discounts for good student, Farm Bureau membership, family plan, easy pay, multi-policy, business or organization, and accident-free.
- Esurance may have discounts that include good student, Pac-12 alumni, homeowner, multi-policy, online shopper, good driver, and online quote.
- The Hartford has savings for driver training, good student, air bag, vehicle fuel type, bundle, and anti-theft.
It’s a good idea to ask all companies you are considering which credits you are entitled to. Some credits may not apply to policies in every state. If you would like to view insurance coverage companies who offer online insurance coverage quotes, enter your zip code here.
Informed decisions result in lower insurance premiums
When buying auto insurance it’s important to understand a few of the rating criteria that help determine the rates you pay for auto insurance. When you understand what influences your rates, this empowers consumers to make smart changes that could result in cheaper rates. Lots of factors are used when premium rates are determined. Some are pretty understandable like an MVR report, although some other factors are more obscure such as whether you are married or your financial responsibility.
The itemized list below are some of the most common factors companies use to determine premiums.
- Insurance rates in urban areas – Being located in smaller towns and rural areas of the country has it’s advantages when trying to find low car insurance rates. Less people means reduced accidents and lower theft and vandalism rates. Residents of big cities have congested traffic and a longer drive to work. Longer commute distances can result in more accidents.
- Car and home together may be cheaper – Most insurers apply a discount to policyholders who carry more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s still a good idea to check prices from other companies to verify if the discount is saving money.There is a chance you can save even more by splitting coverages up.
- Infrequent drivers can save – The more you drive annually the higher your rates will be. Most companies rate vehicles based on their usage. Cars and trucks left parked in the garage receive lower rates than those that get driven frequently. Verify your policy shows annual mileage, because improper ratings can cost you money. Incorrect rating for your ES 350 may be costing you higher rates.
- Five star crash test rating saves money – Cars with five star safety ratings are cheaper to insure. Vehicles built for safety have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and cheaper rates on your policy. If your Lexus ES 350 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
- Don’t let your coverage lapse – Allowing your auto insurance policy to lapse will be a guaranteed way to bump up your auto insurance costs. Not only will you pay higher rates, failure to provide proof of insurance will get you a license revocation or jail time.
- How your age affects rates – Older drivers are more cautious drivers, tend to file fewer claims and tend to be get fewer driving tickets.Teen drivers are statistically proven to be careless and easily distracted behind the wheel so auto insurance rates are higher.
- Obey driving laws and save – Drivers with clean records pay lower auto insurance prices compared to bad drivers. Even one ticket could increase your next policy renewal by as much as twenty percent. People who have multiple citations like DWI, reckless driving or hit and run convictions are required to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
Tailor your insurance coverage to you
When it comes to choosing the best insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation may require specific advice.
- What is UM/UIM insurance?
- Is business property covered if stolen from my car?
- What is the rate difference between pleasure use and commuting?
- How does medical payments coverage work?
- What is the ISO rating for a 2019 Lexus ES 350?
- Do I need special endorsements for business use of my vehicle?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code.
Auto insurance 101
Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most car insurance policies.
Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like scraping a guard rail, colliding with another moving vehicle, crashing into a building, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims like court costs, repair costs for stationary objects, legal defense fees, pain and suffering and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Lexus ES 350.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.
Medical payments coverage and PIP
Med pay and PIP coverage pay for bills for things like EMT expenses, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay
This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage, damage from flooding and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
More effort can pay off
While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.
We’ve covered quite a bit of information on how to shop for 2019 Lexus ES 350 insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the biggest savings come from a small mutual company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.
More detailed auto insurance information is located by following these links:
- Learn About Car Insurance (GEICO)
- Help Your Teen Be a Better Driver (State Farm)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- All About Airbag Safety (State Farm)
- Property Damage Coverage (Liberty Mutual)
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