2009 Lexus ES 350 Car Insurance Rates – 7 Policy Discounts

Searching for lower auto insurance rates for your Lexus ES 350? Are you intimidated by the dozens of auto insurance options? You have a lot of company. Drivers have so many options that it can turn into a lot of work to find the best price.

Buying cheaper coverage is easy if you know what you’re doing. Basically, anyone who carries insurance coverage should be able to lower their premiums. Although consumers benefit from understanding the methods companies use to price insurance differently and take advantage of how the system works.

Car Insurance Prices Online

All major car insurance companies such as Geico, State Farm and Progressive give coverage price quotes directly from their websites. Getting quotes is quite simple as you simply type in your coverage information as requested by the quote form. After you complete the form, the company’s rating system will obtain reports for credit and driving violations and generates a price based on these and other factors.

Online quotes makes comparing rates easy, but the time required to go to several different sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible in order to find a better rate.

The easy way to compare rates

A quicker way to find better car insurance pricing is to use a quote form that obtains quotes from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes price shopping online much easier to do. Once the form is submitted, it gets priced with multiple companies and you can pick any of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you type in the limits and deductibles exactly as they are listed on your policy. This guarantees you will have rate quotes for similar insurance coverage.

Cut prices on 2009 Lexus ES 350 insurance

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. Most are applied at the time of quoting, but lesser-known reductions have to be specifically requested before they will apply.

  • Resident Student – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Defensive Driver – Completing a course in driver safety can save you 5% or more if you qualify.
  • Save over 55 – If you’re over the age of 55, you may qualify for a discount up to 10% for ES 350 insurance.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Own a Home – Being a homeowner may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates you can get free auto insurance, car insurance companies aren’t that generous. But any discount will cut the cost of coverage.

For a list of insurers with discount car insurance rates, click here to view.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • Do I have coverage when making deliveries for my home business?
  • Do I have newly-aquired coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is extra glass coverage worth it?
  • Should I buy full coverage?
  • Can I afford low physical damage deductibles?
  • Should I rate my 2009 Lexus ES 350 as pleasure use or commute?
  • Is my trailer covered?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, vandalism, fire damage, theft and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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

Collision coverage pays for claims such as backing into a parked car, driving through your garage door, hitting a parking meter, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like rehabilitation expenses, surgery and funeral costs. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Lexus ES 350.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability – This protects you from damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, bail bonds and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Find Good Coverage for Less

Insureds change insurance companies for a variety of reasons including policy non-renewal, unfair underwriting practices, an unsatisfactory settlement offer and even being labeled a high risk driver. Whatever your reason, finding the right auto insurance provider can be easy and end up saving you some money.

You just learned many ways to get a better price on 2009 Lexus ES 350 insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from the smaller companies.

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

More detailed auto insurance information is available in these articles: