The recommended way to find low-cost prices for Lexus ES 350 insurance in Tucson is to regularly compare quotes from providers who provide auto insurance in Arizona. Rate comparisons can be done by following these steps.
Step 1: Take a little time to learn about coverages and the steps you can take to prevent rate increases. Many things that cause high rates such as your driving record and an unacceptable credit history can be rectified by making lifestyle changes or driving safer.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Allstate, while independent agencies can quote rates from multiple insurance companies. Get quotes now
Step 3: Compare the price quotes to your current policy premium and see if you can save money. If you find a better price and make a switch, ensure coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company of your intention to cancel your current car insurance policy and submit any necessary down payment along with the completed application to the new company. As soon as coverage is bound, store the certificate verifying proof of insurance in a readily accessible location in your vehicle.
One important bit of advice is to make sure you enter the same physical damage deductibles and liability limits on each quote and and to analyze all possible companies. This provides a fair price comparison and plenty of rates choose from.
It’s safe to assume that insurance companies don’t want customers comparing rates. Consumers who shop around for the cheapest price will most likely switch companies because they have a good chance of finding coverage at a cheaper rate. Surprisingly, a recent survey revealed that drivers who shopped around annually saved over $70 a month as compared to drivers who never shopped around.
If saving money on Lexus ES 350 insurance is your ultimate objective, then having some knowledge of how to choose a company and compare insurance premiums can make shopping around easier.
If you are already insured or are shopping for new coverage, you can learn to get lower rates without reducing protection. This article will teach you a little about the best methods to compare rates and some tricks to saving. You just need to learn the fastest way to shop their coverage around instantly.
Don’t overlook these Lexus ES 350 insurance discounts
Insurance can cost an arm and a leg, but discounts can save money and there are some available that can dramatically reduce your bill. Most are applied at the time of quoting, but some need to be requested specifically before you get the savings.
- Anti-lock Brakes – Cars and trucks that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
- Drive Safe and Save – Insureds without accidents can save up to 40% or more on their Tucson car insurance quote compared to rates paid by drivers with frequent claims.
- Multiple Policy Discount – If you combine your home and auto policies and place coverage with the same company you could save approximately 10% to 15%.
- College Student – Youth drivers who live away from home to go to college and do not have a car can be insured at a reduced rate.
- Service Members Pay Less – Being deployed in the military could mean lower rates.
Keep in mind that some credits don’t apply to your bottom line cost. A few 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, it just doesn’t work that way.
The example below shows the difference between Lexus ES 350 insurance costs with and without discounts applied to the premium. The data is based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, homeowner, and claim-free discounts applied.
Car insurance companies that have some of the above discounts are:
When getting free Tucson car insurance quotes, it’s a good idea to each company which discounts they offer. Savings may not apply in Tucson. If you would like to see a list of companies that offer the discounts shown above in Tucson, click this link.
Finding cheap car insurance rates is not rocket science. You just need to spend a few minutes comparing free Tucson car insurance quotes to find the company with affordable Lexus ES 350 insurance quotes.
The providers in the list below have been selected to offer quotes in Arizona. If you want to find cheap auto insurance in Tucson, AZ, it’s a good idea that you compare several of them to find the most competitive car insurance rates.
Insurance analysis for a Lexus ES 350
The coverage table below covers estimates of rate quotes for Lexus ES 350 models. Understanding more about how prices are figured can aid in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ES 350 | $172 | $376 | $332 | $20 | $100 | $1,000 | $83 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific Tucson garaging location which can modify premiums considerably.
Raise deductibles and save
One of the hardest decisions when shopping for insurance is how low should you set your deductibles. The comparisons below highlight the costs and benefits of buying low and high physical damage coverage deductibles. The first data table uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ES 350 | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ES 350 | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific garaging location which can decrease or increase rates significantly.
Using the data above, we can ascertain that using a $100 deductible costs about $39 more each month or $468 each year averaged for all ES 350 models than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 23 months between claims, you would most likely save money if you choose the higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $111 |
| Average monthly premium for $1,000 deductibles (subtract): | – $72 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One thing to note is that higher deductibles means you pay more out-of-pocket when you have to file a claim. That will necessitate some available funds in the event you need to pay the higher deductible in order to repair your vehicle.
The chart below illustrates how your choice of deductibles and can change Lexus ES 350 yearly insurance costs for different categories of driver ages. The costs are based on a married male driver, full coverage, and no additional discounts are factored in.
Males versus Females
The example below compares Lexus ES 350 car insurance rates for male and female drivers. The premiums are based on a clean driving record, no claims, comp and collision included, $250 deductibles, drivers are not married, and no additional discounts are factored in.
Full coverage versus liability-only
The diagram below illustrates the difference between Lexus ES 350 car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no violations or claims, $500 deductibles, drivers are not married, and no other discounts are factored in.
Are you wasting money paying for full coverage?
There is no clear-cut rule to stop buying physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Lexus ES 350 replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after paying your policy deductible. If it’s costing in excess of $300 a year for full coverage, then it could be time to drop full coverage.
There are some conditions where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Compare prices but buy from a local neighborhood Tucson car insurance agent
Certain consumers still like to get advice from a local agent and that is just fine! Agents can help you choose the best coverages and help file insurance claims. One of the best bonuses of comparing car insurance online is the fact that you can find better rates and still buy from a local agent. Putting coverage with local insurance agents is important particularly in Tucson.
Upon completion of this short form, your insurance coverage information is transmitted to participating agents in Tucson who can give free rate quotes for your insurance coverage. You won’t even need to even leave your home because prices are sent to you. If you have a need to quote rates from a specific car insurance provider, feel free to go to their quote page and submit a quote form there.
If you want to buy car insurance from local Tucson agents, it’s important to understand the types of insurance agents that differ in how they can insure your vehicles. Agents may be either exclusive or independent (non-exclusive). Both do a good job, but it is a good idea to know the difference in the companies they write for because it may have an impact on the selection process.
Independent Car Insurance Agencies or Brokers
These agents are not restricted to one company and that gives them the ability to insure with lots of companies and get the cheapest rates. If they find a cheaper price, they simply move your policy to a different company which is easy for the insured. When shopping rates, we highly recommend that you include rate quotes from at a minimum one independent agency to ensure the widest selection of prices. Most independent agents also contract with different regional companies that can offer cheaper rates than bigger companies.
Shown below are Tucson independent agencies that may be able to give cheap rate quotes.
- Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887 – View Map - Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map - DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map
Exclusive Agencies
These type of agents generally can only insure with one company such as State Farm, Allstate, and Farm Bureau. They usually cannot place coverage with different providers so they really need to provide good service. These agents are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets. Some people will only buy from exclusive agents mostly because of the prominent brand name and the convenience of having all coverages with one company.
Listed below are exclusive agencies in Tucson that can give you price quotes.
- Gilbert Castillo – State Farm Insurance Agent
3010 W Valencia Rd #250 – Tucson, AZ 85746 – (520) 883-2886 – View Map - Kevin Dale – State Farm Insurance Agent
5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184 – View Map - Tom DeBerry – State Farm Insurance Agent
4178 E 22nd St – Tucson, AZ 85711 – (520) 745-2800 – View Map
Deciding on an car insurance agent should depend on more than just a cheap price quote. Here are some questions you might want to ask.
- Do the coverages you’re quoting properly cover your vehicle?
- Are there any extra charges for paying monthly?
- Are claim adjusters local or do you have to take your car somewhere else?
- Does the agency have a positive business rating?
- If they are an independent agency in Tucson, which companies do they recommend?
- Do they specialize in personal lines coverage in Tucson?
- Will a damage claim use OEM or aftermarket replacement parts?
Auto insurance companies ranked
Picking the best car insurance company is hard considering how many different companies sell coverage in Tucson. The company information listed below can help you decide which providers to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
One last thing about your coverage
Consumers switch companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, being labeled a high risk driver and even denial of a claim. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.
You just read many ways to save on Lexus ES 350 insurance in Tucson. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest rates are with a smaller regional carrier.
When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.
Even more information can be read in these articles:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Rates for Infrequent Drivers in Tucson? (FAQ)
- What Car Insurance is Cheapest for State Employees in Tucson? (FAQ)
- Who Has the Cheapest Car Insurance for a Honda CR-V in Tucson? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Five Mistakes to Avoid (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)