Affordable Insurance for a Lexus ES 350 in Arlington

Inconceivable but true, over 70% of drivers have bought auto insurance from the same company for at least four years, and almost 40% of drivers have never compared quotes from other companies. Consumers in Texas can cut their rates by $1,800 a year just by shopping around, but they just assume it’s a time-consuming process to compare other rate quotes.

Discount Lexus ES 350 insuranceIf you want to save money, the best way to get affordable Lexus ES 350 insurance in Arlington is to start comparing prices yearly from insurance carriers who can sell car insurance in Texas. Drivers can shop around by completing these steps.

One thing to remember is to use the same level of coverage on every quote request and and to get rate quotes from as many auto insurance providers as possible. Doing this provides an apples-to-apples comparison and plenty of rates choose from.

If you have a current car insurance policy or want to find a cheaper company, follow these tips to buy cheaper car insurance without having to cut coverage. The purpose of this post is to teach you how auto insurance companies operate and also pocket some savings Drivers just have to use the most time-saving way to compare prices online.

Insurance quotes and discounts

Car insurance companies don’t necessarily list all possible discounts very well, so the following is a list of a few of the more well known and also the more inconspicuous discounts that may be available.Save money with discounts

Drivers should understand that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think you can get free auto insurance, you aren’t that lucky.

The information below visualizes the comparison of Lexus ES 350 annual premium costs with and without discounts. The costs are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, claim-free, homeowner, and multi-policy discounts applied.

If you would like to choose from a list of insurers that offer multiple discounts in Texas, follow this link.

The companies shown below provide price quotes in Arlington, TX. In order to find the best car insurance in Arlington, we suggest you visit several of them to find the most affordable car insurance rates.

Auto insurance analysis for a Lexus ES 350

The coverage information shown next covers a range of insurance costs for Lexus ES 350 models. Having knowledge of how prices are figured can be of help when making smart choices when buying a policy.

Lexus ES 350 Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $254 $520 $438 $26 $130 $1,368 $114
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium costs do not factor in Arlington location which can impact rates significantly.

Physical damage deductible comparison

One common question asked by Arlington drivers is how high should the physical damage deductibles be. The comparisons below can help illustrate the rate fluctuation between low and high coverage deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Lexus ES 350 insurance policy rates 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 policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $300 $542 $324 $20 $96 $1,282 $107
Get Your Own Custom Quote Go

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, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in Arlington location which can decrease or increase prices noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $19 more each month or $228 every year averaged for all ES 350 models than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 13 months between claims, you would probably be better off if you choose a higher deductible.

Annual premiums comparing men and women in Arlington

The example below shows the difference between Lexus ES 350 yearly insurance costs for male and female drivers. The rate quotes are based on no violations or claims, comp and collision included, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Full coverage rates compared to liability-only

The diagram below illustrates the comparison of Lexus ES 350 insurance rates with and without physical damage coverage. The data is based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no exact rule to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s say your Lexus ES 350 book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 a year for full coverage, then you may need to consider dropping full coverage.

There are a few situations where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Are car insurance agents a thing of the past?

Some people still like to sit down with an agent and often times that is recommended Professional insurance agents can help you choose the best coverages and will help you if you have claims. The biggest benefit of comparing rates online is the fact that drivers can get better rates and still have a local agent. Buying from and supporting neighborhood agents is important especially in Arlington.

To help locate an agent, after submitting this short form, your coverage information gets sent to insurance agents in Arlington who will give you quotes for your business. There is no need to find an agent on your own because quoted prices will be sent immediately to your email address. If you have a need to get a price quote from one company in particular, you just need to find their quoting web page and fill out the quote form the provide.

If you’re trying to find a good Arlington insurance agent, it can be helpful to understand the types of insurance agents and how they are slightly different. Insurance agencies in Arlington are considered either exclusive or independent (non-exclusive). Either one can provide insurance policies, but it is important to understand how they are different because it can factor into buying decisions.

Independent Agents

These agents are normally appointed by many insurers so they can quote policies amongst many companies and find you the best rates. To move your coverage to a new company, an independent agent can move your coverage and you stay with the same agent. If you need cheaper insurance rates, you will want to get quotes from a couple of independent agencies to maximize your price options. Most also have access to less well-known companies that many times have cheaper rates.

The following is a small list of independent agents in Arlington who may provide price quote information.

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Exclusive Insurance Agencies

These type of agents write business for a single company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to provide other company’s prices so it’s a take it or leave it situation. Exclusive agents receive a lot of sales training on sales techniques which helps offset the inability to provide other markets. Many people choose to use an exclusive agent partially due to the prominent brand name rather than having the cheapest rates.

Listed below is a short list of exclusive insurance agents in Arlington willing to provide price quotes.

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Finding the right auto insurance agent requires you to look at more than just the quoted price. These are some questions you should get answers to.

Which auto insurance company is best in Arlington?

Selecting the best insurer can be difficult considering how many choices there are in Texas. The company rank data shown below may help you decide which auto insurers you want to consider shopping prices with.

Top 10 Arlington Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Arlington Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

More quotes mean more auto insurance savings

We just showed you quite a bit of information on how to compare Lexus ES 350 insurance prices in Arlington. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable Arlington auto insurance quotes. You may even be surprised to find that the most savings is with some of the lesser-known companies.

Cheaper Lexus ES 350 insurance in Arlington is attainable on the web as well as from independent agents in Arlington, so you should compare both so you have a total pricing picture. Some auto insurance companies may not provide rate quotes online and these regional insurance providers only sell coverage through independent insurance agents.

Drivers who switch companies do it for many reasons like extreme rates for teen drivers, delays in paying claims, lack of trust in their agent and denial of a claim. It doesn’t matter what your reason, switching auto insurance companies is actually quite simple.

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