Car Insurance Quotes for a Lexus ES 350 in San Antonio

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Discount Lexus ES 350 insuranceCar owners who are new to comparing car insurance rates online can find buying inexpensive Lexus ES 350 insurance in San Antonio can be quite difficult.

We don't have to point out that fact that insurance companies want to keep you from shopping around. Consumers who compare rates once a year are likely to switch to a new company because they stand a good chance of finding a policy with better rates. Surprisingly, a recent survey revealed that people who faithfully checked for cheaper rates saved on average $860 a year compared to other drivers who never shopped for cheaper rates.

If finding the lowest price on Lexus ES 350 insurance in San Antonio is the reason for your visit, understanding how to get free comparison quotes and analyze insurance coverage can help make the process easier and more efficient.

You should take the time to compare premium rates periodically since insurance rates change frequently. Just because you had the lowest rate on Lexus ES 350 insurance in San Antonio a couple years back you will most likely find a better price today. Ignore everything you know about insurance because you're about to find out how to quote online to properly buy coverages while reducing your premium.

Six factors that influence insurance prices

It's important that you understand the factors that go into determining your policy premiums. When you understand what impacts premium levels, this enables informed choices that may reward you with better car insurance rates.

The items below are some of the factors companies use to determine your premiums.

  • Marriage can lower costs - Your spouse may save some money when buying car insurance. Marriage is viewed as being more mature than a single person and insurance companies reward insureds because married drivers get in fewer accidents.
  • More performance means higher prices - The type of car you drive makes a substantial difference in determining your rates. Small economy passenger vehicles usually have the lowest rates, but your final cost has many other factors.

    The following chart assumes a married male driver age 40, full coverage with $250 deductibles, and no discounts or violations. It illustrates Lexus ES 350 policy rates compared to other vehicles that have different performance rating factors.

  • Your address can push rates up or down - Living in less populated areas of the country has it's advantages when shopping for auto insurance. Drivers who live in large cities have more traffic problems and much longer commute distances. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Cut premiums and deter theft - Purchasing a vehicle that has a built-in theft deterrent system can help lower your rates. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all help prevent your car from being stolen.
  • Liability coverage safeguards assets - The liability coverage on your policy will afford coverage in the event that you are responsible for causing personal injury or damage in an accident. It provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • High physical damage deductibles equal low rates - Comprehensive and collision coverage deductibles define how much you are required to pay if the claim is covered. Coverage for physical damage, also called 'full coverage', is used to repair damage to your car. Some examples of covered claims are colliding with a stationary object, damage caused by hail, and having a roll-over accident. The larger the amount you're willing to pay, the less your company will charge you for insurance.
  • Insurance losses for a Lexus ES 350 - Insurers use historical loss data to help determine prices. Vehicles that are shown to have a trend towards higher claims will cost more for coverage.

    The next table illustrates the historical loss data for Lexus ES 350 vehicles. For each type of coverage, the statistical loss for all vehicles combined as an average is equal to 100. Percentages below 100 suggest losses that are better than average, while values that are above 100 indicate frequent claims or an increased chance of a larger loss.

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

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Rates and information analytics

The coverage information below showcases estimates of insurance costs for Lexus ES 350 models. Learning more about how rates are determined can help guide drivers when making smart choices when selecting a policy.

Lexus ES 350 Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $292 $532 $330 $20 $98 $1,272 $106
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in vehicle garaging location which can impact rates noticeably.

Physical damage deductibles: Should you raise them?

One frequently asked question is which comprehensive and collision deductibles to buy. The following insurance rates may help to illustrate the cost difference when you choose different physical damage coverage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Lexus ES 350 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $370 $672 $324 $20 $96 $1,507 $126
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Lexus ES 350 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $300 $542 $324 $20 $96 $1,282 $107
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in vehicle location which can change prices greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs about $19 more each month or $228 every year than choosing the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 13 months between claim filings, you would save money if you decide on a higher deductible.

Responsible drivers pay cheaper car insurance rates

The illustration below demonstrates how citations and at-fault accidents impact Lexus ES 350 insurance costs for different age groups of insureds. Data assumes a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.

Lexus ES 350 annual premiums for males versus females

The information below illustrates the difference between Lexus ES 350 car insurance costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, single status, and no discounts are factored in.

Insurance quotes and discounts

Some insurers don't list their entire list of discounts in a way that's easy to find, so we researched some of the more common and the more hidden discounts that you may qualify for.Insurance discounts

  • Defensive Driver - Taking part in a course in safe driver could earn you a small percentage discount depending on where you live.
  • Passenger Safety Discount - Factory air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Good Student Discount - Performing well in school may save as much as 25% on a San Antonio auto insurance quote. This discount can apply up to age 25.
  • Onboard Data Collection - Drivers who elect to allow driving data submission to scrutinize vehicle usage by using a small device installed in their vehicle such as State Farm's In-Drive might get better premium rates if their driving habits are good.
  • Resident Student - Children who are enrolled in a college that is more than 100 miles from San Antonio without a vehicle on campus may be insured at a cheaper rate.
  • Low Miles Discount - Driving fewer miles could earn substantially lower prices.
  • Discounts for Federal Employees - Simply working for the federal government can earn a discount up to 10% with a few insurance companies.

While discounts sound great, it's important to understand that most discounts do not apply to the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, companies don't profit that way.

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

A few companies that may offer quotes with most of the discounts above possibly include:

Before buying, ask all companies you are considering what discounts are available to you. Depending on the company, some discounts may not be offered in San Antonio. To find insurance companies that offer many of these discounts in San Antonio, click here to view.

Insurance savings summarized

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. There have been many cases where someone sacrificed collision coverage only to find out that they should have had better coverage. Your goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.

We covered some good ideas how you can lower your Lexus ES 350 insurance car insurance rates in San Antonio. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. Drivers may even discover the most savings is with a small mutual company.

Cheap Lexus ES 350 insurance in San Antonio can be found both online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not offer rates over the internet and usually these smaller companies sell through independent insurance agents.

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