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Lexus ES-300 Insurance Rates

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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: Jun 6, 2023

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Finding cheaper auto insurance through online rate quotes saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to compare rates from as many companies as possible in order to accurately compare every company's rates.

Finding the best direct price on auto insurance is challenging if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. Getting lower Lexus ES-300 insurance cost can be surprisingly simple. The only thing you need to do is invest a little time to get quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine the rate you pay?

Auto insurance rates for your Lexus ES-300 will vary greatly and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Your credit history
  • The size of your community
  • High miles vs. low miles
  • Men typically pay more than women
  • The deductible you choose
  • Your vehicle's safety rating
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

A final factor which can affect Lexus ES-300 insurance quotes is the model year. Models that are new have a higher actual cash value in comparison to later models so the costs to repair will push premiums up. Although more recent ES-300 vehicles may have a trim level with safety features included like a backup camera, lane departure warning system, and traction control so those may help offset higher rates.

Auto liability

This will cover damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Coverage for collisions

This will pay to fix damage to your ES-300 resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper Lexus ES-300 insurance quotes.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Lexus ES-300 comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP coverage is only offered in select states and may carry a deductible.

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