Lower Your 2016 Lexus ES 350 Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Searching for better auto insurance rates for your Lexus ES 350? Scraping up a payment for high-priced Lexus ES 350 insurance can take a big chunk out of your savings and put the squeeze on your family’s finances. Comparing rates annually can lower your rates and help to cut your insurance bill.

Due to the abundance of choices of insurance companies, it can be impossible to choose the most affordable auto insurance provider.

Finding affordable coverage is not rocket science. Basically, anyone who has to buy car insurance should be able to lower their premiums. But drivers need to have an understanding of the methods companies use to market on the web because it can help you find the best coverage.

Low cost car insurance prices

All the larger car insurance companies like State Farm, GEICO and Progressive allow consumers to get insurance quotes online. The process is fairly simple because it’s just a matter of typing in your coverage information on the page. Once entered, their quoting system orders your driving and credit reports and gives you a price quote determined by many factors. Online price quotes simplifies rate comparisons, but the time it takes to visit a lot of sites and type in the same information is monotonous and tiresome. But it’s necessary to do this if you want to find the best price on car insurance.

Quote rates the easy way

The quickest way to find lower prices requires only one form that analyzes rates from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes online shopping much more efficient. Once the form is submitted, it is rated and you are able to buy any of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process only takes a few minutes and can result in significant savings.

To find out what other companies charge, simply enter your zip code here and enter your information. To compare your current rates, we recommend you complete the form with coverages and limits identical to your current policy. This ensures you will be getting rate quotes based on the exact same insurance coverage.

Insurance policy discounts

Companies don’t always publicize every policy discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known discounts you could be receiving when you buy insurance coverage online. If you are not receiving all the discounts you qualify for, you’re paying more than you need to.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 20 to 30 percent.
  • College Student Discount – Any of your kids who live away from home at college without a vehicle on campus can receive lower rates.
  • Lower Rates for Military – Having a deployed family member could qualify you for better rates.
  • Data Collection Discounts – Drivers who elect to allow companies to spy on driving habits by using a telematic data system such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
  • E-sign – Many insurance companies will give you a small discount just for signing your application on your computer.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save a little on medical payment and PIP coverage.
  • Drivers Education – Have your child successfully take a drivers education course in school.

You can save money using discounts, but most discounts do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, you won’t be that lucky.

The best insurance companies and a selection of discounts are included below.

  • Esurance has discounts for renters, claim free, multi-policy, anti-lock brakes, good driver, safety device, and DriveSense.
  • The Hartford offers discounts including air bag, anti-theft, vehicle fuel type, defensive driver, driver training, and bundle.
  • AAA offers premium reductions for multi-policy, anti-theft, good driver, AAA membership discount, multi-car, and pay-in-full.
  • GEICO offers discounts for multi-policy, military active duty, anti-theft, defensive driver, anti-lock brakes, five-year accident-free, and multi-vehicle.
  • State Farm may have discounts that include Drive Safe & Save, passive restraint, multiple policy, accident-free, good driver, and student away at school.

Before buying, ask each company or agent which discounts you may be entitled to. Some discounts might not be offered on policies in your area. If you would like to view companies with discount rates, enter your zip code here.

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions may help you determine if your situation could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • Does insurance cover damages from a DUI accident?
  • Are my friends covered when driving my car?
  • What exactly is covered by my policy?
  • At what point should I drop full coverage?
  • Is upholstery damage covered by car insurance?
  • Do I need Motor Club coverage?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out your zip code.

Auto insurance 101

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Lexus ES 350.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance – This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability coverage pays for things like structural damage, pain and suffering and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverages – This pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, falling objects, fire damage and a broken windshield. The maximum amount your car 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.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like dental work, rehabilitation expenses and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage covers damage to your ES 350 caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, crashing into a building, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

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