Lexus ES 300 Insurance Rates

There are many options when trying to insure your Lexus vehicle. You can buy direct from an agent or get quotes online to compare insurance costs of insurance providers. Finding cheaper car insurance by comparing rates online saves time, is easy to do and there is a good chance you can save money.

Finding the best direct price on car insurance can be a challenge if you are a beginner to quoting online. Don't let that stop you because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The quickest method to find the cheapest Lexus ES 300 insurance quotes is to perform an online rate comparison. This can be accomplished by getting a quick quote here.

Car insurance premiums for your Lexus ES 300 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor which can affect Lexus ES 300 insurance rates is the year of the vehicle. Models that are a few years old cost less than newer models so the payout to repair may end up costing you less. But new Lexus models may have safety features including dual-stage airbags, a rollover prevention system, and lane departure warning system that may help help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your ES 300 below.

• 2003 Lexus ES 300 Insurance Rates
• 2002 Lexus ES 300 Insurance Rates
• 2001 Lexus ES 300 Insurance Rates
• 2000 Lexus ES 300 Insurance Rates
• 1999 Lexus ES 300 Insurance Rates
• 1998 Lexus ES 300 Insurance Rates
• 1997 Lexus ES 300 Insurance Rates
• 1996 Lexus ES 300 Insurance Rates
• 1995 Lexus ES 300 Insurance Rates
• 1994 Lexus ES 300 Insurance Rates
• 1993 Lexus ES 300 Insurance Rates
• 1992 Lexus ES 300 Insurance Rates

Auto liability insurance

This provides protection from damage that occurs to other's property or people that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with another car or object. You first must 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 older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and may carry a deductible.

How Much are Lexus ES 300 Insurance Rates?