View 2014 Lexus ES 350 Insurance Rates

No one in their right mind enjoys paying for insurance, particularly when the price is too high.

Drivers have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a choice, it can be more difficult to compare company pricing.

The most recommended method to compare insurance rates in your area is to know all the major auto insurance companies will pay a fee to provide you with a free rate quote. The one thing you need to do is provide information including if a SR-22 is required, if it has an anti-theft system, whether you are married, and driver ages. Your insurance information is submitted instantly to insurance companies and they return rate quotes immediately.

To compare rates now, click here and complete the form.

You probably qualify for some discounts

Companies don’t always publicize every available discount in an easy-to-find place, so here is a list both well-publicized as well as the least known auto insurance savings.

  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up on their website.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Low Mileage Discounts – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Federal Employees – Simply working for the federal government may qualify you for a discount for ES 350 insurance with a few auto insurance companies.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10% for ES 350 insurance.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Insurance companies that may have these benefits include:

Check with all companies you are considering what discounts are available to you. Discounts might not apply in your state.

There’s no such thing as the perfect policy

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions may help you determine if your insurance needs could use an agent’s help.

  • Will my insurance pay for OEM parts?
  • I have health insurance so do I need medical payments coverage?
  • Who is covered when they drive my 2014 Lexus ES 350?
  • How much liability coverage do I need in my state?
  • Does having multiple vehicles earn me a discount?
  • Should I drop comprehensive coverage on older vehicles?
  • What vehicles should carry emergency assistance coverage?
  • How can I force my company to pay a claim?
  • Is a new car covered when I drive it off the dealer lot?
  • How do I insure my teen driver?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

What insurance coverages do you need?

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for chiropractic care, surgery and hospital visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, hail damage, damage from flooding, vandalism and theft. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision insurance pays for damage to your ES 350 caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values 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 $25,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.