Save Money on Lexus ES 350 Insurance in Pittsburgh

Paying for overpriced Lexus ES 350 insurance in Pittsburgh can stress out your accounts and put the squeeze on your family’s finances. Comparing rates annually is free, only takes a few minutes, and is a good way to tighten up your finances.

Inconceivable but true, most auto insurance buyers in Pennsylvania have been with the same company for at least four years, and approximately 40% of consumers have never compared rates to find lower-cost insurance. American insurance shoppers can save hundreds of dollars each year by just shopping around, but they don’t believe how much money they would save if they switched to a cheaper policy.

Because you have many options for buying cheap insurance for a Lexus ES 350 in Pittsburgh, it’s difficult to find the right company.

It’s a good habit to take a look at other company’s rates before your next renewal because prices fluctuate regularly. Even if you think you had the lowest rates on Lexus ES 350 insurance in Pittsburgh 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 learn the things you must know in order to properly buy coverages and cut your premium.

Buying the cheapest car insurance in Pittsburgh can initially seem challenging. Basically, everyone who is overpaying for car insurance will most likely find a lower-cost policy. But Pennsylvania vehicle owners must understand how the larger insurance companies determine how much to charge.

Cheap companies for Lexus ES 350 insurance in Pennsylvania

The auto insurance companies shown below are ready to provide free quotes in Pennsylvania. In order to find the best cheap car insurance in PA, we recommend you visit two to three different companies in order to find the most affordable rates.

Lexus ES 350 insurance coverage information

The coverage table shown next highlights different insurance coverage prices for Lexus ES 350 models. Learning more about how insurance policy rates are calculated can help guide drivers when making smart buying decisions.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific zip code location which can increase or decrease coverage prices significantly.

Comparison of policy deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The rates below summarize the difference in cost when you select higher and lower deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates substantially.

Based on these figures, using a $250 deductible will cost you approximately $17 more each month or $204 annually than selecting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 15 months between claims, you would more than likely save some money if you choose a higher deductible.

Lexus ES 350 insurance costs by age and gender

The information below compares Lexus ES 350 insurance premiums for male and female drivers. The data assumes no claims or driving violations, full physical damage coverage, $250 deductibles, single marital status, and no policy discounts are applied.

Full coverage versus liability-only in Pittsburgh

The diagram below illustrates the comparison of Lexus ES 350 car insurance rates with and without physical damage coverage. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

Are you wasting money paying for full coverage?

There is no set guideline that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Lexus ES 350 claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the policy deductible has been paid. If you are paying more than $400 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some circumstances where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Get cheaper Lexus ES 350 insurance rates in Pittsburgh

Some insurance providers don’t list all available discounts very well, so here is a list some of the best known and the more hidden auto insurance savings.

• Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less than their less cautious counterparts.
• Senior Discount – If you’re over the age of 55, you can possibly qualify for lower premium rates.
• Full Payment Discount – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
• Drive Less and Save – Low annual miles could qualify for lower auto insurance rates on the low mileage vehicles.
• College Student – College-age children who are attending college and do not have a car could get you a discount.
• Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a small discount if you purchase a life policy as well.
• Discounts for New Vehicles – Buying a new car instead of a used ES 350 can save you some money because new model year vehicles keep occupants safer.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course if it’s offered in school.
• Driver Training Discounts – Participating in a defensive driver class could earn you a small percentage discount and make you a better driver.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

The chart below illustrates the difference between Lexus ES 350 insurance prices with and without some available policy discounts. The prices are based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, safe-driver, and homeowner discounts applied.

Companies and their possible discounts can be found below.

• Farmers Insurance offers premium reductions for alternative fuel, youthful driver, good student, mature driver, multi-car, and business and professional.
• Esurance includes discounts for online shopper, Switch & Save, paid-in-full, anti-theft, good driver, and multi-car.
• State Farm offers discounts for anti-theft, passive restraint, multiple policy, Drive Safe & Save, Steer Clear safe driver discount, and defensive driving training.
• GEICO has discounts for daytime running lights, multi-vehicle, military active duty, anti-lock brakes, and emergency military deployment.
• Allstate may include discounts for teenSMART discount, premier plus, farm vehicle, safe driver, early signing, utility vehicle, and passive restraint.

If you need affordable Lexus ES 350 insurance quotes, ask every prospective company how many discounts you can get. Discounts might not be offered in your state. If you would like to see a list of insurers that can offer you the previously mentioned discounts in Pittsburgh, click here.

How do I know if I need professional advice?

When quoting and comparing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are unique to you and your auto insurance should be unique as well. These are some specific questions may help you determine whether or not you might need professional guidance.

• Is rental equipment covered for theft or damage?
• When should I drop full coverage on my Lexus ES 350?
• When can I cancel my policy?
• Do I need an umbrella policy?
• Does rental coverage apply when I am renting a car?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What if an uninsured driver hits me?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

What if I want to buy from local Pittsburgh auto insurance agents?

Certain consumers still prefer to visit with an insurance agent. The biggest benefit of comparing rates online is the fact that drivers can get better rates and still choose a local agent.

For easy comparison, once you complete this quick form, the quote information is sent to local insurance agents in Pittsburgh that give free quotes for your business. You won’t need to search for an agent because prices are sent immediately to you. It’s the lowest rates without the usual hassles of price shopping. If you want to compare rates from a specific auto insurance provider, you just need to visit that company’s website and fill out their quote form.

Picking an company should include more criteria than just the price. Some important questions to ask are:

• Will they give you a referral list?
• Do they offer accident forgiveness?
• Can you use your own choice of collision repair facility?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Does the agency support the community they serve?
• When do they do a full risk review?
• Is there any savings for paying the full premium?

Insurance agent types

When researching a reliable insurance agent, you must know there are a couple different agency structures and how they differ in how they quote coverages. Insurance agencies in Pittsburgh are categorized either exclusive or independent (non-exclusive).

Exclusive Agents

Exclusive insurance agents can only provide one company’s prices and examples are Farmers Insurance, State Farm, or Allstate. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable on their company’s products which can be an advantage.

Below are Pittsburgh exclusive agents that can give you rate quotes.

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Independent Agencies or Brokers

Independent insurance agents are not locked into one company so they can write business through lots of different companies and get the cheapest rates. If they find a cheaper price, your agent can just switch to a different company without you having to go to a different agency. When shopping rates, you need to get insurance quotes from several independent insurance agents to ensure the widest selection of prices.

Below are independent insurance agents in Pittsburgh who can help you get price quotes.

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Compare but don’t skimp

Cheaper Lexus ES 350 insurance in Pittsburgh can be purchased both online and with local Pittsburgh insurance agents, so you need to quote Pittsburgh car insurance with both so you have a total pricing picture. A few companies do not provide online quoting and most of the time these regional insurance providers prefer to sell through independent agents.

We just covered a lot of ways to get a better price on Lexus ES 350 insurance in Pittsburgh. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the biggest savings come from an unexpected company. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

Steps to finding low-cost rates for Lexus ES 350 insurance in Pittsburgh

The best way we recommend to get cheaper Lexus ES 350 insurance in Pittsburgh is to start comparing prices regularly from providers who provide auto insurance in Pennsylvania.

1. Get a basic knowledge of auto insurance and the factors you can control to prevent expensive coverage. Many rating factors that increase rates such as accidents, careless driving, and a less-than-favorable credit score can be improved by making minor driving habit or lifestyle changes.
2. Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while independent agencies can quote prices from multiple sources.
3. Compare the quotes to your existing rates and determine if there is any savings. If you can save some money, make sure there is no lapse in coverage.

One important bit of advice is to compare identical deductibles and limits on each quote request and and to get price quotes from as many auto insurance providers as possible. This provides a fair rate comparison and a thorough selection of prices.

To read more, link through to the resources below:

• Crash Avoidance Technologies FAQ (iihs.org)
• Who Has the Cheapest Auto Insurance for a Company Car in Pittsburgh? (FAQ)
• Who Has Affordable Auto Insurance for Drivers Requiring a SR22 in Pittsburgh? (FAQ)
• Who Has Cheap Pittsburgh Car Insurance Quotes for Drivers Over Age 50? (FAQ)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)