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Lexus ES 350 Insurance Rates

Buying car insurance through online companies is simple to do and there is a good chance you may find lower rates. The critical component is getting rates from as many companies as possible so you can get the lowest prices.

Shopping online for car insurance can be a challenge if you have never used quoting online. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The easiest way to find competitive Lexus ES 350 insurance cost is to get quotes online. This can be accomplished by completing this short form.

Insurance premiums for your Lexus ES 350 can be significantly different subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Better credit means lower rates
  • Men typically pay more than women
  • Low deductibles cost more
  • Safety rating of your ES 350
  • Your job
  • The level of coverage
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new Lexus models so the payout to repair can decrease annual premiums. Conversely, more recent Lexus vehicles have more advanced features such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags that may help give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Coverage for liability - Lexus ES 350 liability coverage will cover damage that occurs to other's property or people in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision - Collision insurance will pay to fix damage to your Lexus resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Lexus ES 350 Insurance Rates?