Would you like to stop overpaying and find the cheapest Lexus ES 350 insurance in Irvine? Searching for the lowest cost Irvine Lexus ES 350 insurance quotes on the web might appear rather difficult for consumers who are beginners to quoting and shopping for insurance on the web. With dozens of insurance companies available, how are consumers expected to have the ability to compare every company to locate the cheapest available price?
How to find the cheapest rates for Lexus ES 350 insurance in Irvine
The best way to find affordable Lexus ES 350 insurance is to compare quotes annually from companies who sell insurance in Irvine. You can shop around by following these steps.
First, get an understanding of individual coverages and the measures you can control to prevent expensive coverage. Many rating factors that increase rates such as traffic violations and a not-so-good credit score can be amended by improving your driving habits or financial responsibility.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO and Allstate, while independent agencies can provide price quotes from multiple insurance companies.
Third, compare the new rate quotes to your current policy premium and determine if cheaper ES 350 coverage is available in Irvine. If you find a lower rate, make sure coverage does not lapse between policies.
A tip to remember is that you’ll want to make sure you compare the same level of coverage on every price quote and and to compare as many car insurance companies as possible. Doing this provides a fair price comparison and a thorough price selection.
We don’t have to point out that fact that car insurance companies don’t want you to compare rates. Consumers who shop around for better prices will, in all likelihood, switch to a new company because of the high probability of finding a policy with more affordable rates. A recent study showed that drivers who routinely compared quotes saved about $865 a year compared to other drivers who didn’t regularly shop around.
If finding discount rates on car insurance in Irvine is your target objective, then having some knowledge of how to find companies and compare coverages can make the process more efficient.
It’s important to compare prices before your policy renews due to the fact that insurance rates tend to go up over time. Just because you had the lowest rate on Lexus ES 350 insurance in Irvine on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the quickest way to buy cheaper Lexus ES 350 insurance in Irvine.
The purpose of this article is to teach you a little about how auto insurance companies operate and some money-saving tips. If you have insurance now, you will surely be able to find the best rates using this information. Nevertheless, California car owners can benefit from knowing the way companies charge you for coverage.
The easiest way to compare rates for Lexus ES 350 insurance in Irvine is to realize almost all companies participate in a system to give you rate quotes. The one thing you need to do is provide the companies a bit of rating information like which vehicles you own, if the vehicle is leased, if you are currently licensed, and what you do for a living. The data gets transmitted to many of the top insurers and they respond with quotes instantly to find the best rate.
To start a quote now, click here and complete the quick form.
The companies in the list below have been selected to offer comparison quotes in Irvine, CA. To get cheap auto insurance in Irvine, CA, we suggest you compare several of them to get a more complete price comparison.
Insuring your ES 350 just makes sense
Despite the fact that insurance is not cheap in Irvine, buying insurance is not optional due to several reasons.
First, almost all states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your car, most lenders will make it mandatory that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Lexus at an extremely high rate and require you to reimburse them for the much more expensive policy.
Third, insurance preserves both your vehicle and your personal assets. It will also provide coverage for medical bills for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay to defend you if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of insuring your ES 350 more than offset the price you pay, especially when you need to use it. According to a 2015 survey, the average American driver is overpaying more than $750 every year so you should quote and compare rates each time the policy renews to make sure the price is not too high.
The premium information below outlines detailed analysis of insurance coverage prices for Lexus ES 350 models. Knowing how prices are calculated can be useful when making smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle location which can influence insurance rates substantially.
Higher deductibles save money
One common question asked by Irvine drivers is which deductibles should you choose. The following tables help summarize the rate difference when you buy lower versus higher physical damage deductibles. The first table uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Prices do not factor in garaging location in Irvine which can revise premiums considerably.
We can estimate from the data above that using a $250 deductible will cost in the ballpark of $21 more each month or $252 every year than selecting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average more than 12 months between claim filings, you would probably be better off by going with a higher deductible.
Impact of violations and accidents on rates
The diagram below highlights how speeding tickets and fender-benders impact Lexus ES 350 insurance prices for each age group. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Gender-based car insurance rates by age in Irvine
The example below shows the comparison of Lexus ES 350 insurance premiums for male and female drivers. Data assumes no violations or accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Should you buy full coverage?
The information below illustrates the comparison of Lexus ES 350 insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There is no specific rule to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s assume your Lexus ES 350 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $2,000 after the policy deductible has been paid. If you are currently paying more than $200 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.
Lower-cost Irvine car insurance rates with discounts
Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Some trigger automatically when you complete an application, but once in a while a discount must be specially asked for before you get the savings.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save up to 15% off the personal injury premium cost.
- Safe Driver Discount – Insureds who avoid accidents may receive a discount up to 45% than their less cautious counterparts.
- Bundled Policy Discount – If you have multiple policies and place coverage with the same company you could save 10% to 20% off each policy.
- Paperwork-free – Many insurance companies will give a small break get Irvine auto insurance digitally online.
- Discount for Swiching Early – Some car insurance companies provide a discount for buying a new policy prior to the expiration date on your current ES 350 insurance policy. It’s a savings of about 10%.
- Driver Safety – Taking time to complete a class that teaches driver safety techniques can save you 5% or more and also improve your driving technique.
- Resident Student – Kids who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
- Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a Irvine auto insurance quote.
Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts should help lower your overall bill.
The example below illustrates the comparison of Lexus ES 350 auto insurance costs with and without discounts applied to the premium. The information is based on a male driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, marriage, claim-free, and safe-driver discounts applied.
A few of the larger companies and a selection of discounts are shown below.
- State Farm may include discounts for safe vehicle, driver’s education, good driver, accident-free, and good student.
- GEICO has savings for military active duty, multi-vehicle, emergency military deployment, anti-theft, seat belt use, and federal employee.
- Allstate offers premium reductions for eSmart discount, early signing, auto/life discount, senior citizen, anti-theft, premier discount, and utility vehicle.
- SAFECO may offer discounts for accident prevention training, bundle discounts, homeowner, anti-theft, multi-car, and safe driver.
- Farm Bureau offers discounts for youthful driver, good student, multi-policy, renewal discount, and 55 and retired.
- Progressive offers discounts including good student, homeowner, online signing, multi-vehicle, online quote discount, multi-policy, and continuous coverage.
- AAA policyholders can earn discounts including good driver, education and occupation, multi-car, AAA membership discount, good student, and pay-in-full.
When quoting, ask every prospective company the best way to save money. Some credits may not apply in Irvine. For a list of insurance companies with discount car insurance rates in California, click this link.
Local Irvine auto insurance agents
Certain consumers still prefer to talk to an insurance agent and that is a smart decision One of the great benefits of comparing car insurance online is that you can obtain the best rates but still work with a licensed agent. Buying from and supporting neighborhood agents is definitely important in Irvine.
Once you complete this quick form, the coverage information is instantly submitted to companies in Irvine who want to provide quotes for your business. It’s much easier because you don’t need to drive around since rate quotes are delivered directly to your email. You can get cheaper car insurance rates and a licensed agent to work with. If for some reason you want to compare prices from one company in particular, you would need to go to their quote page and fill out their quote form.
Irvine auto insurance agents are either independent or exclusive
When narrowing the list to find local Irvine agents, there are two types of agencies and how they are slightly different. Car insurance agents can either be independent or exclusive.
Independent Insurance Agents
Independent agents are not required to write business for one company so they have the ability to put coverage through many companies and find you the best rates. If they quote lower rates, they simply move the coverage in-house and you stay with the same agent.
If you are comparing rate quotes, we recommend you get rate quotes from multiple independent agents in order to have the best price comparison. Most also write with less well-known companies that may provide cheaper car insurance rates.
Featured below is a partial list of independent insurance agencies in Irvine that may be able to give you comparison quotes.
- Isu Insurance Services Irvine
18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100 – View Map
- Hodge and Hodge Insurance Inc
10 Hughes # 205 – Irvine, CA 92618 – (949) 458-0442 – View Map
- KCAL Insurance Agency (Irvine)
14795 Jeffrey Rd – Irvine, CA 92618 – (949) 786-6888 – View Map
These type of agents are contracted to one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They are unable to compare rates from other companies so they have no alternatives for high prices. They are well trained on the products they sell and that can be a competitive advantage. Many people buy insurance from these agents partially due to the brand name and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive agents in Irvine willing to provide rate quotes.
- Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 – View Map
- Allstate Insurance: Jeff Adams
4860 Irvine Blvd Ste 206 – Irvine, CA 92620 – (714) 505-2457 – View Map
- Farmers Insurance
4000 Barranca Pkwy # 250 – Irvine, CA 92604 – (949) 262-3238 – View Map
Finding the right insurance agency should include more criteria than just a cheap price quote. Here are some questions you should ask.
- How are they compensated?
- How many years have they been established?
- Do they have a Better Business Bureau rating in Irvine?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do the coverages you’re quoting properly cover your vehicle?
- How many companies do they write for?
- Is the agent and/or agency licensed to do business in California?
When in doubt talk to an agent
When quoting and choosing insurance from an agent or online for your personal vehicles, there really is no best way to insure your cars. Every situation is different.
These are some specific questions may help you determine if your situation may require specific advice.
- Is motorclub coverage worth it?
- What if an uninsured driver hits me?
- What states are considered no-fault?
- Am I covered if I crash into my own garage door?
- Why are teen drivers so expensive to add on to my policy?
- Do I have coverage when pulling a U-Haul trailer?
- Is borrowed equipment or tools covered if stolen or damaged?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Irvine car insurance companies
Buying coverage from a highly-rated auto insurance company can be challenging considering how many companies sell insurance in Irvine. The company ratings below can help you analyze which coverage providers you want to consider shopping prices with.
Top 10 Irvine Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Irvine Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Detailed coverages of your auto insurance policy
Learning about specific coverages of auto insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like crashing into a ditch, sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible on your ES 350 to get cheaper collision coverage.
This will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 15/30/5 which stand for $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims like structural damage, emergency aid, court costs and pain and suffering. How much coverage you buy is your choice, but buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but it’s recommended drivers buy more coverage.
The next chart shows why buying the state minimum limits may not be high enough to cover claims.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus ES 350.
Due to the fact that many California drivers only carry the minimum required liability limits (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages are set the same as your liability limits.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as vandalism, theft and hail damage. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Quote more to save more
Insureds change insurance companies for any number of reasons including unfair underwriting practices, policy non-renewal, delays in responding to claim requests and even extreme rates for teen drivers. Whatever your reason, switching companies can be pretty painless.
We just covered a lot of tips how to compare Lexus ES 350 insurance prices in Irvine. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Drivers may even discover the lowest prices are with a small local company.
As you shop your coverage around, never buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.
Steps to finding the cheapest rates for Lexus ES 350 insurance in Irvine
If saving the most money is your goal, then the best way to find lower priced auto insurance rates in Irvine is to make a habit of comparing prices annually from different companies who sell insurance in California.
- Step 1: Try to learn about the different coverages in a policy and the modifications you can make to keep rates down. Many factors that cause rate increases like speeding tickets, careless driving and a substandard credit score can be eliminated by making small lifestyle or driving habit changes.
- Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple companies.
- Step 3: Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
A tip to remember is that you’ll want to make sure you compare the same level of coverage on every price quote and and to get price estimates from every insurance company. Doing this helps ensure a fair price comparison and a good representation of prices.
To read more, take a look at the articles below:
- Uninsured Motorist Statistics (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for a Honda CR-V in Irvine? (FAQ)
- Who Has Affordable Irvine Auto Insurance Rates for a Chevrolet Equinox? (FAQ)
- What Car Insurance is Cheapest for a Learners Permit in Irvine? (FAQ)
- Who Has Affordable Irvine Auto Insurance Rates for State Employees? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Get the Right Protection (InsureUonline.org)