Compare 2010 Lexus ES 350 Car Insurance Rates

Feel like you’re a prisoner to overpriced auto insurance? Trust us, there are lots of residents who feel the same. Since consumers have many choices, it can be hard to find the cheapest auto insurance company.

Compare auto insurance rate quotes

Lowering your 2010 Lexus ES 350 auto insurance rates is surprisingly easy. All that’s required is to spend a few minutes on the computer to compare rate quotes from some recommended companies. Shoppers can get rates using a couple different methods.

If you are pressed for time, the simplest way to find low rates is a comparison rater form like this one (opens in new window). This type of form eliminates the need for repetitive form entry for each price estimate. One simple form gets you price quotes from all major companies.

A different way to compare prices is to take the time to go to the website for every company you want to comare and repeat the quote process. For instance, we’ll pretend you want to view quotes from USAA, Safeco and Liberty Mutual. You would be required to go to each individual site and enter your policy data, and that explains why we recommend the first method.

For a list of links to insurance companies in your area, click here.

Whichever method you choose, try to keep the exact same coverage limits for every company. If you use differing limits it’s not possible to make an equal comparison.

Buy more affordable insurance coverage with these tips

A large part of saving on insurance coverage is knowing some of the factors that play a part in calculating your premiums. If you know what determines premiums, this allows you to make good choices that will entitle you to better insurance coverage rates. Many different elements are part of the calculation when pricing auto insurance. Some factors are common sense like your driving record, but other criteria are not quite as obvious like your continuous coverage and annual miles driven.

  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage when you are found to be at fault for an accident. This coverage provides you with a defense in court starting from day one. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Lower premiums with no policy lapses – Driving without insurance is a misdemeanor and your next policy will cost more because you let your insurance coverage expire. In addition to paying higher premiums, the inability to provide proof of insurance could result in a revoked license or a big fine.
  • Insurance coverage claims cost money – Insurance companies generally give most affordable rates to people who do not file claims often. If you file a lot of claims you can expect much higher rates or policy non-renewal. Your insurance policy is intended for claims that you cannot pay yourself.
  • Accidents will cost you – A bad driving record impacts premiums far more than you think. Drivers with clean records get better rates as compared to careless drivers. Only having one driving citation can increase the cost of insurance by as much as twenty percent. Drivers who get multiple tickets such as reckless driving or DUI may need to prove financial responsibility with their state in order to legally drive.
  • Get cheaper costs if you’re married – Being married may earn you lower rates when shopping for insurance coverage. Marriage may mean you are more financially stable and it’s statistically proven that married drivers get in fewer accidents.
  • Are you male or female? – Statistics have proven women are more cautious behind the wheel. However, don’t assume that women are better drivers. Men and women cause accidents in similar numbers, but males have costlier accidents. In addition to higher claims, males also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.

These discounts can lower your auto insurance quotes

Companies that sell car insurance don’t always list the complete list of policy discounts in an easy-to-find place, so the list below details some of the more common and the harder-to-find savings tricks you should be using when you buy car insurance online.

  • Telematics Devices – Policyholders that allow driving data submission to monitor driving patterns by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
  • Online Discount – A handful of auto insurance companies give back up to $50 simply for signing on your computer.
  • Homeowners Discount – Simply owning a home can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.
  • Claim Free – Insureds with no claims or accidents get the best auto insurance rates in comparison to drivers with a long claim history.
  • Defensive Driver Discount – Participating in a defensive driving course could save 5% or more if your company offers it.
  • Government Employee Discount – Active or former government employment may reduce rates when you quote car insurance for ES 350 coverage depending on your auto insurance provider.
  • Discount for Swiching Early – Some larger companies give discounts for signing up prior to your current policy expiring. You may see this discount when you get car insurance quotes online.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

A list of companies and a summarized list of policyholder discounts are outlined below.

  • 21st Century has discounts for good student, anti-lock brakes, student driver, early bird, driver training, and defensive driver.
  • State Farm offers discounts including passive restraint, driver’s education, multiple autos, accident-free, and good student.
  • AAA has savings for good student, AAA membership discount, good driver, pay-in-full, and multi-car.
  • Liberty Mutual includes discounts for multi-car, newly married, new vehicle discount, safety features, and multi-policy.
  • Progressive discounts include online quote discount, multi-vehicle, online signing, homeowner, good student, continuous coverage, and multi-policy.

If you need the cheapest car insurance quotes, ask every prospective company to give you their best rates. Savings may not apply in your area. For a list of providers that can offer you the previously mentioned discounts, click this link.

Different people need different insurance coverage coverages

When it comes to buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help highlight if you would benefit from professional advice.

  • Do I have coverage when making deliveries for my home business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my 2010 Lexus ES 350 covered for flood damage?
  • When can I cancel my policy?
  • Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Parts of your auto insurance policy

Knowing the specifics of auto insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive coverage

This coverage will pay to fix 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 comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, a broken windshield, hitting a deer and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This coverage covers damage to your ES 350 resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Lexus ES 350.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage

This coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims like structural damage, attorney fees and medical expenses. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills such as prosthetic devices, hospital visits and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Never pay more for less

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, someone sacrificed uninsured motorist or liability limits and learned later that the savings was not a smart move. Your objective should be to purchase plenty of coverage at the best possible price.

In this article, we covered a lot of tips how to compare 2010 Lexus ES 350 insurance premium rates online. The most important thing to understand is the more you quote car insurance, the higher your chance of finding cheap car insurance. Consumers may even find the best premium rates are with the least-expected company. Smaller companies may only write in your state and offer lower prices than the large multi-state companies such as GEICO and State Farm.

Lower-priced 2010 Lexus ES 350 insurance is available on the web and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies do not offer rates over the internet and most of the time these small, regional companies work with local independent agents.

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