View 2018 Lexus ES 350 Insurance Quotes

Getting lower-cost auto insurance might appear somewhat difficult for comparing prices over the internet. With such a large number of agents and insurance companies available, how can anyone have the ability to compare every one to find the cheapest available price?

You should take the time to shop coverage around before your policy renews because prices are rarely the same from one policy term to another. Even if you think you had the best deal for ES 350 coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to get good coverage at a lower rate.

Shop car insurance online

Effectively comparing car insurance prices is a ton of work if you don’t know the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to achieve your goal.

Many companies belong to a marketplace where prospective buyers submit one quote, and each participating company can provide price quotes determined by their information. This saves time by eliminating quote requests to every company.

To participate in this free quote system, click here (opens in new window).

The single downside to using this type of system is you cannot specify which insurance companies to get quotes from. So if you want to choose individual companies for rate comparison, we put together a list of car insurance companies in your area. Click to view list.

How you compare quotes is your choice, just try to keep identical coverage limits and deductibles on every price quote you get. If your comparisons have different values for each quote then you won’t be able to make a fair rate comparison. Even a minor difference in insurance coverages or limits could skew the results. Just keep in mind that more quotes increases the change that you will find more affordable rates. Some insurance companies are not set up to provide online quotes, so it’s necessary to compare quotes from the smaller companies as well.

Save money by taking advantage of discounts

Auto insurance companies do not list all their discounts very clearly, so the following list contains both well-publicized and the harder-to-find insurance savings.

  • Discount for Multiple Policies – If you can bundle your auto and home insurance and insure them both with the same insurance company you will save up to 20% off your total premium.
  • Memberships – Participating in certain professional organizations could earn you a nice discount when getting a auto insurance quote.
  • Good Student – Performing well in school may save you up to 25%. The discount lasts well after school through age 25.
  • Theft Deterent – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.
  • Multiple Vehicles – Buying coverage for multiple cars on one policy can get a discount on all vehicles.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
  • Federal Employees – Active or former government employment could cut as much as 10% off for ES 350 coverage with certain companies.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, companies wouldn’t make money that way.

Large insurance companies and their offered discounts can be found below.

  • American Family may include discounts for TimeAway discount, mySafetyValet, early bird, air bags, good driver, Steer into Savings, and defensive driver.
  • Farm Bureau offers discounts including 55 and retired, multi-vehicle, multi-policy, safe driver, driver training, and good student.
  • State Farm may offer discounts for driver’s education, Steer Clear safe driver discount, safe vehicle, anti-theft, good driver, and good student.
  • Travelers policyholders can earn discounts including good student, student away at school, hybrid/electric vehicle, new car, continuous insurance, and payment discounts.
  • The Hartford includes discounts for good student, defensive driver, anti-theft, driver training, and bundle.
  • GEICO has savings for defensive driver, seat belt use, multi-vehicle, five-year accident-free, daytime running lights, membership and employees, and good student.
  • Progressive offers premium reductions for online quote discount, good student, multi-vehicle, continuous coverage, and multi-policy.

Before purchasing a policy, check with every prospective company what discounts are available to you. Savings may not be available in your area. To see a list of providers offering insurance discounts, click here to view.

How much car insurance do I need?

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Can my teen driver be rated on a liability-only vehicle?
  • How does medical payments coverage work?
  • Am I covered if I drive in a foreign country?
  • Does my 2018 Lexus ES 350 need full coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Specific coverages for a 2018 Lexus ES 350

Learning about specific coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills like hospital visits, surgery, pain medications, doctor visits and funeral costs. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like medical expenses, loss of income, pain and suffering and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, theft, a broken windshield and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.