2013 Lexus ES 350 Car Insurance Rates – 7 Tricks for Best Quotes

Searching for better auto insurance rates for your Lexus ES 350? Paying for high-priced Lexus ES 350 insurance can drain your savings account, especially in this economy. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket. You have multiple auto insurance companies to choose from, and although it’s a good thing to have a selection, too many choices makes it more difficult to adequately compare rates.

Smart consumers take time to take a look at other company’s rates once or twice a year since rates trend upward over time. Despite the fact that you may have had the best rates on ES 350 insurance a few years ago there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to find the best coverage while lowering your premiums.

Finding affordable coverage is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. Drivers only need an understanding of the tricks to shop their coverage around online.

Be sure to get all your discounts

Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known auto insurance savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates on ES 350 insurance.
  • Defensive Driver – Taking a defensive driving course can save you 5% or more depending on where you live.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on ES 350 insurance with select insurance companies.
  • Accident Forgiveness – Some insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Multi-car Discount – Having more than one vehicle on the same auto insurance policy qualifies for this discount.

It’s important to understand that most discounts do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

To see a list of providers with discount auto insurance rates, click here.

Auto Insurance Prices

Getting a cheaper price on 2013 Lexus ES 350 insurance is surprisingly easy. Consumers just need to invest a little time to get quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The best way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form entry for each company you want a rate for. A single, simple form will return quotes from many national carriers.
  2. A more difficult way to compare prices requires you to visit the website for every company you want to comare to complete their respective quote request forms. For example, we’ll assume you want comparison quotes from Geico, Esurance and Travelers. To find out each rate you need to go to every website and enter your information, which is why the first method is quicker.

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

  3. The hardest method of getting rate comparisons is to spend your day driving to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you require the personal advice that only a license agent can provide. However, consumers can obtain prices from the web and get advice from an agent in your area and we’ll cover that in a bit.

Whichever way you use, double check that you are using apples-to-apples coverages for every company. If you compare different deductibles you will not be able to decipher which rate is best.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight if you could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • Do I need replacement cost coverage?
  • Is rental equipment covered for theft or damage?
  • If my 2013 Lexus ES 350 is totaled, can I afford another vehicle?
  • Why do I only qualify for high-risk insurance?
  • Where can I find DUI or SR-22 insurance?
  • Will filing a claim cost me more?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Don’t listen to company ads

Consumers can’t ignore all the ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the ads make an identical promise that you can save if you switch your coverage to them.

How can each company make almost identical claims? This is how they do it.

All companies can use profiling for the driver that earns them a profit. For instance, a driver they prefer could be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer who fits that profile receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who don’t qualify for the “perfect” profile will be quoted higher prices and ends up with business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently make those claims. This emphasizes why you should get as many comparisons as possible. It is impossible to predict which insurance coverage company will provide you with the cheapest Lexus ES 350 insurance rates.

Coverages available on your insurance policy

Having a good grasp of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Lexus ES 350.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability coverages

This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects, emergency aid, court costs and medical expenses. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses like doctor visits, pain medications, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, vandalism, damage from flooding and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

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

Collision coverage protects against claims such as scraping a guard rail, damaging your car on a curb, driving through your garage door, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

In Summary

Cost effective 2013 Lexus ES 350 insurance can be bought both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When you buy insurance online, you should never buy less coverage just to save a little money. In many cases, an insured cut uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

Much more information about insurance is available at the links below