Best Lexus ES 350 Insurance in Los Angeles

How long has it been since you shopped around for lower-priced Lexus ES 350 insurance in Los Angeles? Buying budget Los Angeles Lexus ES 350 insurance quotes on the internet can be problematic for beginners to online price comparisons. With such a big selection of agents and companies in the marketplace, how are people expected to have time to compare every company in order to find the best pricing?

Everyone knows that auto insurance companies want to prevent you from shopping around. Insureds who shop around for a cheaper policy are very likely to move their business because of the good chance of finding better rates. A recent study showed that consumers who faithfully checked for cheaper rates saved on average $3,400 over four years as compared to drivers who never shopped for cheaper rates.

If finding low prices for insurance in Los Angeles is your objective, then understanding how to quote prices and compare coverages can help make the process easier.

Cheapest auto insurance in Los Angeles, CA

The auto insurance companies shown below are ready to provide free quotes in California. If more than one company is shown, we suggest you get rate quotes from several of them to get the cheapest price.

Rate information and statistics

The premium table shown below highlights a range of insurance prices for Lexus ES 350 models. Having a better understanding of how insurance prices are figured can be useful when making smart buying decisions.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in your specific Los Angeles location which can influence rates noticeably.

Deductible analysis

One of the most common insurance questions is what deductibles to buy. The following insurance rates may aid in understanding the premium difference of buying low and high insurance deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in specific zip code location which can influence premiums substantially.

Using the data above, we can ascertain that using a $250 deductible costs approximately $21 more each month or $252 a year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 12 months between claim filings, you would come out ahead if you decide on a higher deductible.

One thing to be aware of is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you have to file a claim. It will be required that you have enough extra money in order to pay the deductible.

The diagram below shows how choosing a deductible and can increase or decrease Lexus ES 350 insurance costs for each different age group. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Accidents and violations increase rates

The illustration below illustrates how speeding tickets and at-fault collisions increase Lexus ES 350 insurance prices for different age groups of insureds. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Insurance prices based on gender

The diagram below shows the comparison of Lexus ES 350 auto insurance rates for male and female drivers. The costs are based on no violations or accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Insurance rates and discounts

Car insurance is not cheap, but there could be significant discounts that you may not even be aware of. Some of these discounts will be visible at quote time, but a few must be manually applied in order for you to get them. If you’re not getting every credit available, you could be paying more than you need to.

• Savings for New Vehicles – Buying a new car instead of a used ES 350 can cost up to 25% less because new model year vehicles keep occupants safer.
• Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% but check with your company.
• Pay Upfront and Save – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
• Switch and Save Discount – Some companies give discounts for buying a new policy prior to your current ES 350 insurance policy expiration. This can save 10% or more.
• Homeowners Savings – Simply owning a home can help you save on insurance since home ownership means you have a higher level of financial diligence.
• Discount for Life Insurance – Insurance carriers who offer life insurance give a discount if you purchase life insurance.

Discounts lower rates, but many deductions do not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Even though it may seem like you could get a free insurance policy, companies don’t profit that way.

The illustration below shows the comparison of Lexus ES 350 yearly insurance costs with and without policy discounts. The costs are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, multi-policy, and safe-driver discounts applied.

To locate providers offering insurance discounts in California, follow this link.

Lexus ES 350 Insurance Prices Can Be Lower

Multiple criteria are part of the equation when premium rates are determined. Some factors are common sense like your driving record, although others are not quite as obvious such as your marital status or your vehicle rating. The best way to find cheaper insurance is to take a look at some of the factors that aid in calculating your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make good choices that will entitle you to big savings.

• Do you have enough liability coverage? – Liability insurance provides coverage when you are responsible for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Do you work long hours in a high stress employer? – Do you work in a high-stress field? Careers such as fire fighters, police officers, and stock brokers generally have higher rates than average because of stressful work requirements and lengthy work days. On the flip side, occupations like actors, athletes and retirees have the lowest average rates.
• Qualify for multi-policy discounts – Most insurance companies give lower prices to customers that have more than one policy such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even if you qualify for this discount already, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates.
• You might want pay the inexpensive claims yourself – Insurance companies in California provide better rates to insureds who are claim-free. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.

• Insurance losses for a Lexus ES 350 – Car insurance companies analyze claim trends for every vehicle to help set a rate to offset losses. Models that the data shows to have higher losses will have higher premium rates. The next table shows the loss history for Lexus ES 350 vehicles.

  For each type of coverage, the claim probability for all vehicles compiled together is equal to 100. Numbers under 100 suggest a better than average loss history, while values over 100 indicate a higher chance of having a claim or tendency to have higher losses.

  
  

  Lexus ES 350 Insurance Loss Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Lexus ES 350 4dr	126	79	160	91	100	78

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Auto insurance is available from agents near you

Many drivers just prefer to talk to an insurance agent and doing so can bring peace of mind One of the best bonuses of getting online price quotes is that you can find cheaper car insurance rates but still work with a licensed agent. Putting coverage with local agents is especially important in Los Angeles.

To find an agent, once you fill out this short form, your insurance data is submitted to participating agents in Los Angeles who will return price quotes for your coverage. You won’t even need to visit any agencies because quoted prices will be sent directly to your email. It’s the lowest rates and a licensed agent to work with. In the event you want to compare prices from one company in particular, just find their quoting web page to submit a rate quote request.

Two different types of auto insurance agents

When researching a local Los Angeles insurance agent, you need to know there are two different types of agencies to choose from. Auto insurance agents are either independent (non-exclusive) or exclusive.

Independent Auto Insurance Agents

These type of agents do not write with just one company so they can write business through lots of different companies and potentially find a lower price. If they find a lower price, the business is moved internally which requires no work on your part. If you are comparing auto insurance prices, you will definitely want to get some free quotes from several independent insurance agents to have the most options to choose from. Most independent agents also contract with companies you’ve never heard of who may have lower rates.

Featured below is a short list of independent agents in Los Angeles that may be able to provide price quote information.

• Crown Reinas Insurance Agency
  5331 N Figueroa St – Los Angeles, CA 90042 – (323) 550-1444 – View Map
• Lewis and Lewis Insurance Agency, Inc.
  11900 W Olympic Blvd #475 – Los Angeles, CA 90064 – (800) 966-6830 – View Map
• Public Insurance Agency
  10941 W Pico Blvd – Los Angeles, CA 90064 – (310) 234-8600 – View Map

More Los Angeles agents

Exclusive Agencies

These type of agents can only provide pricing for a single company such as American Family, State Farm, and AAA. Exclusive agents cannot provide other company’s prices so they have to upsell other benefits. Exclusive agencies are usually well trained on what they offer which helps overcome the inability to quote other rates. Consumers frequently purchase coverage from exclusives mostly because of the brand name and solid financial strength.

Below are exclusive insurance agents in Los Angeles that can give you rate quotes.

• Kaz Achiwa – State Farm Insurance Agent
  340 E Azusa St, Ste B – Los Angeles, CA 90012 – (213) 253-1210 – View Map
• Sean M Brown – State Farm Insurance Agent
  3130 S Sepulveda Blvd f – Los Angeles, CA 90034 – (310) 479-0080 – View Map
• Hillary Heyl – State Farm Insurance Agent
  1990 Westwood Blvd #100 – Los Angeles, CA 90025 – (310) 234-9600 – View Map

More Los Angeles agents

Picking the best car insurance agent shouldn’t rely on just a low price. The questions below may impact your decision as well.

• Do they reduce claim amounts on high mileage vehicles?
• How long has the business existed?
• How many years of experience in personal auto insurance do they have?
• Are they giving you every discount you deserve?
• Are they paid to recommend certain coverages?
• Do you need full coverage on every vehicle?
• How will an accident affect your rates?
• What insurance companies do they work with in Los Angeles?

Be persistent to save money

You just learned a lot of ways to shop for Lexus ES 350 insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers may even find the lowest priced insurance comes from the smaller companies.

Budget-friendly insurance in Los Angeles is available from both online companies as well as from independent agents in Los Angeles, so you should be comparing quotes from both to have the best selection. Some insurance companies may not have online quoting and many times these smaller providers sell through local independent agencies.

People leave their current company for a variety of reasons including poor customer service, denial of a claim, policy cancellation or even unfair underwriting practices. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

Additional detailed information is located in these articles:

• Help Your Teen Be a Better Driver (State Farm)
• Who Has the Cheapest Auto Insurance for Veterans in Los Angeles? (FAQ)
• Who Has Cheap Los Angeles Auto Insurance Quotes for Postal Workers? (FAQ)
• Who Has Cheap Auto Insurance for Unemployed Drivers in Los Angeles? (FAQ)
• Who Has the Cheapest Los Angeles Auto Insurance for Used Cars? (FAQ)
• Who Has Cheap Car Insurance for a Company Car in Los Angeles? (FAQ)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Where can I buy Insurance? (Insurance Information Institute)