Save on 2013 Lexus ES 350 Insurance Quotes

Shopping online for insurance can seem like an uphill battle if you’re new to quoting online. But don’t be discouraged because it’s actually quite easy.

It’s a good habit to get comparison quotes on a regular basis since insurance rates fluctuate regularly. Even if you got the lowest rates on ES 350 coverage on your last policy other companies may now be cheaper. You can find a lot of wrong information about insurance on the web, but we’re going to give you some good information on how to buy insurance cheaper.

Comprehensive Auto Insurance Comparison

The are a couple different ways of comparing rates from different insurance companies. The simplest method to find the cheapest 2013 Lexus ES 350 insurance rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do repetitive form entry for each company. Taking the time to complete one form will return quotes from all major companies. It’s definitely the quickest method.
  2. A harder way to shop for auto insurance online requires a visit to each individual company website and request a quote. For sake of this example, let’s assume you want rates from USAA, Farmers and American Family. To get rate quotes you would need to go to every website and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The hardest method of getting rate comparisons is to spend time driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you have a need for the trained guidance that only a license agent can provide. It is possible to find lower rates online and get advice from an agent in your area and we’ll touch on that later.

However you get your quotes, make absolute certain that you use apples-to-apples coverage limits and deductibles with every price quote. If each company quotes mixed coverages it’s impossible to determine which rate is truly the best. Just a small difference in coverages may result in large price differences. Just remember that more quotes provides better odds of finding lower pricing.

Discounts are basically free money

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Some trigger automatically at the time of quoting, but less common discounts must be asked for in order for you to get them.

  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Club Memberships – Belonging to certain professional organizations could trigger savings when buying insurance coverage on ES 350 coverage.
  • Resident Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will help reduce the cost of coverage.

Car insurance companies that possibly offer these discounts include:

Check with all companies you are considering which discounts you may be entitled to. Savings might not be offered in your state.

Which insurance is the “right” coverage?

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Are rock chip repairs covered?
  • Is extra glass coverage worth it?
  • What are the best liability limits?
  • Should I get collision insurance on every vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Why am I required to buy high-risk coverage?
  • Should I waive the damage coverage when renting a car?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance 101

Understanding the coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, damage from a tornado or hurricane, vandalism and a broken windshield. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage covers damage to your ES 350 resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Lexus ES 350.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability – This protects you from damage that occurs to other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like legal defense fees, pain and suffering and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like hospital visits, chiropractic care and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage