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Lexus ES 350 Insurance Rates

Drivers have lots of options when buying insurance for your Lexus vehicle. You can either buy through a local agent or get quotes online to check prices from many different car insurance companies. Buying car insurance through online rate quotes saves time, is easy to do, plus you might just save a little.

Shopping online for car insurance can be difficult if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The recommended way to find competitive Lexus ES 350 insurance cost is to get quotes online. This can be done by completing this short form.

Rates are impacted by the following

Auto insurance rates for a Lexus ES 350 can be significantly different and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • How many accidents you have had
  • Multiple policies can save money
  • Use of your vehicle
  • Your birth date
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • What you do for a living
  • Insurance coverage level
  • Home ownership saves money

A final factor that helps determine Lexus ES 350 insurance rates is the model year. Older models have a lower value in comparison to older models so repair costs tend to be lower which may end up costing you less. Although newer vehicles may have a trim level with safety features included like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors that may help give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your ES 350 from the list below.

Auto liability - This can cover damage or injury you incur to other people or property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage - Collision insurance covers damage to your Lexus caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. Lexus ES 350 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper Lexus ES 350 insurance rates.

Comprehensive auto coverage - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your Lexus ES 350 comprehensive insurance. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus ES 350 Insurance Rates?