Insure your Lexus ES 350 for Less in Las Vegas

Having to pay for overpriced auto insurance can dwindle your savings account and make it hard to pay other bills. Shopping your coverage around is a smart way to help make ends meet.

There are many insurers to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more challenging to adequately compare rates.

Smart consumers take time to shop coverage around once or twice a year because rates fluctuate regularly. Even if you think you had the best rates on ES 350 insurance six months ago other companies may now be cheaper. There is too much inaccurate information about auto insurance on the web, but we’re going to give you some great ways to find affordable auto insurance.

How to Get Cheap Auto Insurance in Las Vegas, NV

When shopping for auto insurance there are multiple ways to get quotes and find the best price. The quickest method to find the lowest Lexus ES 350 rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple of different ways.

Probably the best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quotes for each company. Completing one form gets you price quotes from several companies.

A harder way to get comparison quotes is to take the time to go to each individual company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare State Farm, Safeco and Travelers. You would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in Las Vegas, click here.

The least efficient method to compare rates is to waste gas driving to and from local Las Vegas insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the professional advice that only a license agent can provide. However, consumers can price shop online but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you which method you use, but make absolute certain that you use the exact same quote information for each price quote. If the quotes have mixed coverages you can’t possibly find the best deal for your Lexus ES 350 in Las Vegas. Quoting even small variations in coverage limits may result in a large different in cost. And when comparing auto insurance rates, know that comparing a large number of companies helps you find the best offered rates.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but there could be available discounts that many people don’t even know exist. Some trigger automatically at quote time, but a few need to be inquired about prior to getting the savings.

Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Military Discounts – Being deployed with a military unit could mean lower rates.
Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums on ES 350 insurance.

It’s important to note that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky. But any discount will bring down the amount you have to pay.

These factors can influence what you pay for Lexus ES 350 insurance

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get big savings.

Small claims can cost you – If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies in Nevada generally give cheaper rates to policyholders who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
Poor credit can mean higher rates – A driver’s credit score is a big factor in your rate calculation. If your credit is lower than you’d like, you could be paying less to insure your Lexus ES 350 by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit.
Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Lexus earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes cause accidents at a similar rate, but men cause more damage. Men also have more aggressive citations such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
Do you have enough liability coverage? – Liability coverage is the protection if a court rules you are at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
One company can mean more discounts – Some companies provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to ensure the best deal. Drivers may still find better rates by buying auto insurance from a different company.
Younger drivers pay higher rates – Teenage drivers in Nevada are statistically proven to be less responsible in a vehicle so they pay higher auto insurance rates. Mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.

Buying car insurance locally

Certain consumers just want to get advice from a local agent and that is OK! The best thing about getting online price quotes is you may find the lowest rates and still choose a local agent. Buying from local insurance agencies is important especially in Las Vegas. Las Vegas insurance banner

Upon completion of this quick form, your insurance coverage information gets sent to companies in Las Vegas who will battle for your coverage. You won’t need to drive around since price quotes are sent straight to your inbox. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.

Independent or Captive: It’s your choice

When finding a good insurance agency, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Las Vegas are classified as either independent or captive.

Independent Agents

Independent agencies are not locked into one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part.

When comparison shopping, it’s a good idea to get quotes from several independent insurance agents to ensure the widest selection of prices.

Captive Insurance Agents

Captive insurance agents can only place business with one company such as Allstate, Farmers Insurance or State Farm. They generally cannot compare other company’s rates so always compare other rates. Captive agents receive extensive training on their company’s products and that can be a competitive advantage.

Deciding on a car insurance agent shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

Will their companies depreciate repairs to your car based on the mileage?
How often do they review policy coverages?
How much can you save by raising your physical damage deductibles?
If you have an accident, will your rates go up?
If you are a high risk driver, do they have special markets for your coverage?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Do you have coverage for a rental car if your vehicle is in the repair shop?
Who are their largest clients?

Upon getting satisfactory answers to your questions in addition to an acceptable price estimate, you may have just found an insurance agent that can adequately provide auto insurance.

Do I just need basic coverages?

When buying adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

Am I covered if I crash into my own garage door?
Is my Lexus ES 350 covered for smoke damage?
Can I pay claims out-of-pocket if I buy high deductibles?
Does my insurance cover a custom paint job?
Should I buy more coverage than the required Nevada minimum liability coverage?
Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Much more information about auto insurance in Nevada can be found on the website for the Nevada Division of Insurance found here. Consumers can find disaster information, read enforcement actions against agents and companies, and view agent and company licensing information.

The articles below may also help you learn more about auto insurance in Las Vegas

Beware of misleading auto insurance ads

Auto insurance providers like State Farm, Allstate and GEICO regularly use television and radio advertisements. They all make the same claim about savings if you move your policy. How does each company claim to save you money? It’s all in the numbers.

Different companies can use profiling for the type of driver they prefer to insure. An example of a desirable insured could be a mature driver, is a homeowner, and drives newer vehicles. A driver that hits that “sweet spot” will get very good rates and as a result will probably save when they switch companies.

Drivers who fall outside this ideal profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. That’s the way companies can truthfully make the claims of big savings.

That is why you should get as many quotes as possible. Because you never know which company will provide you with the cheapest rates.

Final considerations

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice liability coverage limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at the best price.

Discount Lexus ES 350 insurance is definitely available on the web and with local Las Vegas insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.