Save on 2021 Lexus ES 350 Insurance Quotes 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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Want better insurance rates for your Lexus ES 350? Buying lower priced insurance over the internet may be challenging for buying their insurance on the web. With so many insurance agents and companies in the marketplace, how are we expected to even start to compare every company to locate cheaper insurance rates?

This article will familiarize you with the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Although consumers need to learn the way insurance companies price insurance differently because it can help you find the best coverage.

Verify you’re receiving every discount

Some insurers do not list every discount available in an easy-to-find place, so we break down a few of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

  • Drivers Education – It’s a good idea to have your young drivers enroll in driver’s education in high school.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 20% or more.
  • Federal Employees – Active or retired federal employment could provide a small rate reduction on ES 350 coverage with select insurance companies.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings on auto insurance.
  • Defensive Driver – Taking time to complete a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.

As is typical with insurance, many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, nobody gets a free ride.

If you would like to see a list of companies that offer multiple discounts, enter your zip code here.

The fastest way that we advise to compare insurance rates from multiple companies is to understand car insurance companies allow for online access to compare their rates. The only thing you need to do is take a few minutes to give details like whether you drive to work or school, whether you have decent credit, driver details, and if the car is leased. Your insurance information gets transmitted to many of the top insurers and they return quotes instantly.

To compare multiple company rates now, click here and find out if you can get cheaper insurance.

Smart buyers know how to find auto insurance at a discount

Lots of factors are considered when premium rates are determined. Some of the criteria are obvious like your driving record, but others are more transparent such as your credit history and annual miles driven.

  • Frequent claims increase premiums – If you tend to file frequent claims, you shouldn’t be surprised to get higher rates. Car insurance companies generally give the lowest premiums to policyholders who are claim-free. Your car insurance is designed for more catestrophic claims.
  • Experienced drivers are lower risk – Teen drivers are proven to be more careless when behind the wheel therefore auto insurance rates are much higher. Mature drivers are more cautious drivers, cost insurance companies less in claims and get fewer tickets.
  • Prevent auto insurance lapses – Driving without insurance is not a good idea and any future policy may cost more because you let your insurance coverage expire. Not only will rates go up, not being able to provide proof of insurance could result in a hefty fine and possibly a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Multiple policies with one company can save – Some auto insurance companies will award a discount to policyholders that have more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to shop around to verify if the discount is saving money. Drivers may still find a better deal even if you have your coverage with different companies.
  • Save miles driven and save money – The higher the miles on your Lexus each year the higher your rates will be. The majority of insurers charge rates based on their usage. Cars that sit idle most of the time can be on a lower rate level than cars that get driven a lot. Improper usage on your ES 350 is just wasting money. It’s a smart idea to ensure your policy is showing the correct usage.
  • If you don’t need it don’t buy it – Policies have additional coverages that may not really be needed on your auto insurance policy. Insurance for things like vanishing deductibles, death and dismemberment, and additional equipment coverage may be wasting your money. They may sound like good ideas when discussing your needs, but if you don’t need them consider taking them off your policy.

When should I discuss my situation with an agent?

When buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might help in determining if your situation would benefit from professional advice.

  • Does liability extend to a camper or trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How can I get high-risk coverage after a DUI?
  • Do I pay less if my vehicle is kept in my garage?
  • How does medical payments coverage work?
  • How high should deductibles be on a 2021 Lexus ES 350?
  • Is Motor Club coverage worth it?
  • Am I covered if I crash into my own garage door?
  • Is my trailer covered?
  • When should I remove comp and collision on my 2021 Lexus ES 350?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out your zip code.

Auto insurance policy coverages for a Lexus ES 350

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision coverages – Collision insurance will pay to fix damage to your ES 350 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, damaging your car on a curb, hitting a parking meter, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability insurance – Liability coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your 2021 Lexus ES 350.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as X-ray expenses, surgery and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

We’ve covered many tips how you can save on 2021 Lexus ES 350 insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding inexpensive auto insurance. Consumers could even find that the most savings is with some of the smallest insurance companies.

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, extreme rates for teen drivers and even denial of a claim. It doesn’t matter what your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

Discount 2021 Lexus ES 350 insurance can be sourced online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not offer rate quotes online and these smaller providers provide coverage only through independent agencies.

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles