1999 Lexus ES 300 Insurance Rates – 6 Tips to Save

Finding the best price on car insurance may seem to be difficult if you’re new to online quoting. Don’t let that stop you because it’s actually quite easy.

Pricing affordable protection is simple if you know the tricks. Just about every vehicle owner who is required by state law to have car insurance will be able to find better rates. Although drivers benefit from understanding the methods companies use to market insurance on the web because it can help you find the best coverage.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Most are applied when you quote, but a few need to be manually applied before being credited.

  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for better insurance rates for ES 300 coverage.
  • Government Employees – Employees or retirees of the government can save as much as 8% for ES 300 coverage depending on your company.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same insurance policy could earn a price break for each car.
  • Military Discounts – Being on active duty in the military can result in better rates.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will reduce your premiums.

To see a list of insurers offering insurance discounts, click this link.

Compare Insurance Today

There are several ways to compare rate quotes and find the best price. The best method to find the cheapest 1999 Lexus ES 300 insurance rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  1. The best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate quotation requests for each company. A single, simple form will get you price quotes from all major companies. It’s the fastest way to compare.
  2. A more difficult way to find lower rates requires visiting the website of each company to complete a price quote. For sake of this example, we’ll pretend you want rates from Farmers, Safeco and Progressive. You would have to go to every website to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

However you get your quotes, ensure you’re using identical coverage limits and deductibles for every quote you compare. If each company quotes different liability limits you will not be able to decipher which rate is best. Quoting even small variations in coverage limits can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes will increase your chances of finding the best price.

Situations that might require an agent

When it comes to buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might point out if your insurance needs might need professional guidance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when using my vehicle for business?
  • What are the financial responsibility laws in my state?
  • Does my insurance cover a custom paint job?
  • Can my teen drive my company car?
  • Who is covered by my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverage options for a Lexus ES 300

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for dental work, EMT expenses, prosthetic devices and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

This can cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, medical expenses and medical services. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, rock chips in glass, fire damage, theft and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage covers damage to your ES 300 resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, driving through your garage door, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Be a money saver!

Insureds leave their current company for many reasons like policy non-renewal, lack of trust in their agent, delays in paying claims and even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Lower-priced 1999 Lexus ES 300 insurance is definitely available both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

We’ve covered quite a bit of information on how to get a better price on insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the most savings is with a smaller regional carrier.

More information is available on the following sites: