2012 Lexus ES 350 Insurance Quotes

Have you had enough of trying to scrape together enough money to buy car insurance? You are in the same boat as millions of other consumers. Companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings, bombarding you with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

If you have insurance now or are just looking to switch companies, you can use these tips to get lower rates while maintaining coverages. Finding the best rates is quite easy. Vehicle owners just need to learn the most effective way to buy insurance coverage over the internet.

Get lower rates on Lexus ES 350 insurance

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be specially asked for in order for you to get them. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on ES 350 insurance.
  • Drive Safe and Save – Safe drivers may save up to 50% more on ES 350 insurance than drivers with accident claims.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Homeowners Discount – Owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Just because you may think you can get free auto insurance, it just doesn’t work that way. But any discount will reduce your premiums.

To see a list of companies who offer car insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Do I really need UM/UIM coverage?
  • Should I buy full coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Should I sign the liability waiver when renting a car?
  • Can I still get insurance after a DUI?
  • When does my teenage driver need to be added to my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are rental cars covered under my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from 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, doesn’t cost anything and can help protect your family.

Don’t listen to company ads

Drivers can’t get away from ads for car insurance savings by Geico, State Farm and Progressive. All the ads make the same claim about savings after switching to their company.

But how can every company say the same thing?

Different companies have a certain “appetite” for the type of customer that earns them a profit. For example, a driver they prefer might be profiled as between 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A driver who fits that profile will get very good rates and most likely will save when switching.

Consumers who fall outside the “perfect” profile will be charged a higher premium and ends up with the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save that much. That is how insurance companies can advertise the way they do.

That is why drivers must get as many comparisons as possible. It’s not possible to predict which insurance companies will fit your personal profile best.

Car insurance 101

Having a good grasp of auto insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by auto insurance companies.

Liability insurance

Liability coverage can cover damage or injury you incur to other’s property or people. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like structural damage, attorney fees and medical services. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your ES 350 resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, hitting a mailbox, colliding with a tree, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for dental work, hospital visits, EMT expenses, funeral costs and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle, vandalism, hail damage and a broken windshield. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2012 Lexus ES 350.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Smart consumers save more

We covered some good ideas how you can save on 2012 Lexus ES 350 insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

Cheap insurance is definitely available online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

More tips and info about insurance coverage can be found by following these links: