It’s an obvious assumption that auto insurance companies don’t want customers comparing rates. People who compare rates once a year will, in all likelihood, switch to a new company because they have a good chance of finding better rates. A recent insurance study revealed that people who compared rate quotes regularly saved $3,400 over four years as compared to drivers who don’t regularly compare prices.
If saving the most money on Lexus ES 350 insurance is your objective, understanding how to find companies and compare coverages can make it easier to shop your coverage around.
If your goal is the lowest price, then the best way to find better pricing on Lexus ES 350 insurance in Corpus Christi is to regularly compare quotes from providers who sell auto insurance in Texas. Prices can be compared by following these guidelines.
- First, spend some time learning about how companies set rates and the measures you can control to prevent rate increases. Many risk factors that drive up the price like traffic tickets, fender benders, and a low credit score can be eliminated by making small lifestyle or driving habit changes.
- Second, get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Allstate, while agents who are independent can give you price quotes from many different companies.
- Third, compare the new quotes to your current policy premium and see if there is a cheaper rate in Corpus Christi. If you find a lower rate and decide to switch, make sure coverage does not lapse between policies.
- Fourth, tell your current agent or company of your intention to cancel your current auto insurance policy and submit the signed application along with the required initial payment to the newly selected company. Once received, store the certificate verifying coverage along with the vehicle’s registration papers.
One bit of advice is to use identical limits and deductibles on every quote and and to get quotes from as many different insurance providers as possible. This ensures a fair price comparison and a complete rate analysis.
Quoting the best policy in Corpus Christi is not as hard as you think. Practically every driver who buys auto insurance will most likely find a lower price. But Texas drivers should learn how companies calculate your auto insurance rates and use it to find better rates.
All the larger insurance companies like Allstate and Progressive make it easy to get prices online. Comparing prices online for Lexus ES 350 insurance in Corpus Christi is pretty easy as you simply enter the coverage amounts you desire as requested by the quote form. Once entered, their quoting system pulls credit information and your driving record and generates pricing information based on these factors.
The ability to get online rates for Lexus ES 350 insurance in Corpus Christi streamlines rate comparisons, and it’s absolutely necessary to do this in order to find a better rate.
To save time and fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you copy coverages and limits just like they are on your policy. This way, you will have an apples-to-apples comparison for the exact same coverage.
The car insurance companies shown below are ready to provide quotes in Corpus Christi, TX. If you want to find cheaper auto insurance in Texas, we suggest you click on several of them in order to find the lowest rates.
Lexus ES 350 insurance charts and tables
The information displayed next outlines estimates of coverage costs for Lexus ES 350 models. Having a good understanding how insurance premiums are determined can help you make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ES 350 | $258 | $532 | $340 | $20 | $102 | $1,252 | $104 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in vehicle location which can impact insurance rates significantly.
Where to set your deductibles
When buying insurance, a common question is how high should your deductibles be. The comparison tables below illustrate the differences in premium rates between high and low insurance deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ES 350 | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ES 350 | $228 | $424 | $324 | $20 | $96 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase prices considerably.
We can estimate from the data above that using a $250 deductible costs approximately $35 more each month or $420 annually than selecting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 21 months between claims, you would probably save some money if you choose a higher deductible.
Why do I need car insurance?
Even though Corpus Christi ES 350 insurance rates can get expensive, maintaining insurance is mandatory in Texas but it also protects more than you think.
First, almost all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability coverage if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your ES 350, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may insure your Lexus at a much higher premium rate and require you to pay the higher price.
Third, insurance protects both your Lexus and your assets. It also can pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to have it repaired.
The benefits of buying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. But the average American driver is overpaying over $820 a year so compare rates at every policy renewal to be sure current rates are still competitive.
How Insurance Providers Determine Lexus ES 350 Insurance Rates
Lots of factors are part of the equation when quoting car insurance. Some are pretty understandable such as your driving record, but others are less obvious like where you live or how safe your car is. One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help calculate the level of your policy premiums. If you know what impacts premium levels, this helps enable you to make changes that will entitle you to cheaper rates.
Lower prices with alarms and GPS tracking – Owning a car with anti-theft technology or alarm system can earn a premium discount. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.
Does your occupation raise your prices? – Did you know your job can affect your rates? Careers such as military personnel, police officers, and financial analysts generally pay higher rates than the rest of us attributed to intense work requirements and incredibly demanding work hours. On the other hand, occupations like professors, historians and retirees generally pay rates lower than average.
Liability safeguards assets – The liability section of your policy will afford coverage if ever a jury decides you are liable for damages caused by your negligence. Your liability coverage provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
If you don’t need it don’t buy it – Policies have additional coverages that you can buy but may not be useful. Coverages like rental car coverage, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. You may think they are a good idea when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
Getting married is a good thing – Walking down the aisle may cut your premiums on your auto insurance policy. Marriage usually means you are more financially stable and it’s statistically proven that drivers who are married are more cautious.
Poor credit score equals high costs – Having a good credit score will be a significant factor in calculating your premium rate. So if your credit score can be improved, you may save money insuring your Lexus ES 350 by repairing your credit. Insureds with excellent credit tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings.
Annual mileage and car insurance premiums – The more miles you rack up on your Lexus in a year’s time the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. Ask your agent if your vehicle rating is rated on how each vehicle is driven, because it can save money. An incorrectly rated ES 350 is just wasting money.
Insurance losses for a Lexus ES 350 – Insurance companies use data from past claims to help calculate premium prices. Vehicles that tend to have a higher amount or frequency of claims will have higher rates. The table below demonstrates the collected loss data for Lexus ES 350 vehicles.
For each coverage type, the claim amount for all vehicles combined as an average is represented as 100. Values that are below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 point to more frequent losses or statistically larger losses.
| Specific Lexus Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Lexus ES 350 4dr | 126 | 79 | 160 | 91 | 100 | 78 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Discount Corpus Christi insurance rates
Car insurance companies don’t always advertise the entire discount list in an easy-to-find place, so the following is a list of a few of the more well known in addition to some of the lesser obvious discounts that may be available.
- Early Switch Discount – Some larger companies give discounts for switching to them before your current expiration date. It’s a savings of about 10%.
- Distant Student Discount – Children who are attending college and do not take a car to college could get you a discount.
- Memberships – Participating in specific professional or occupational memberships or organizations can get you a small discount on insurance.
- Corpus Christi Homeowners Pay Less – Owning a home in Corpus Christi can save a few bucks since owning and maintaining a home is proof of financial responsibility.
- Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a discount up to 10%.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
- Savings for New Vehicles – Putting insurance coverage on a new ES 350 is cheaper because newer vehicles are generally safer.
- Good Driver Discounts – Drivers who don’t get into accidents may save up to 50% more than their less cautious counterparts.
- Multi-policy Discount – If you combine your auto and homeowners policies with one company you will save up to 20% off your total ES 350 insurance premium.
Don’t be shocked that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.
The diagram below visualizes the comparison of Lexus ES 350 yearly insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, no claims, a clean driving record, Texas 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 homeowner, safe-driver, multi-car, claim-free, multi-policy, and marriage discounts applied.
Auto insurance companies who may offer these benefits possibly include:
Before you buy a policy, ask all companies you are considering the best way to save money. Some credits might not be available to policyholders in Corpus Christi.
Exclusive and independent car insurance agents
Many people prefer to get professional advice from a licensed agent and doing so can bring peace of mind A good thing about comparing auto insurance online is you can get lower rates and still have a local agent. And supporting small agencies is especially important in Corpus Christi.
Upon completion of this form (opens in new window), your coverage information is sent to agents in your area who want to provide quotes for your insurance coverage. There is no need to leave your computer because quoted prices will be sent to your email. You’ll get the best rates and a licensed agent to talk to. If for some reason you want to get a price quote from a specific insurance company, feel free to visit that company’s website and complete a quote there.
Do you need an independent or exclusive auto insurance agent?
When looking for local Corpus Christi agents, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Auto insurance agents in Corpus Christi may be either independent or exclusive.
Independent Agents
Independent agents do not have single company limitations so they can quote policies with any number of different companies and get the cheapest rates. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to switch agencies. When comparing rate quotes, it’s a good idea to get several quotes from several independent insurance agents to get the best comparison. Many write coverage with mutual insurance companies who may have lower rates.
Shown below is a list of independent insurance agencies in Corpus Christi who can help you get free auto insurance quotes.
- Trinity Insurance
4439 Gollihar Rd – Corpus Christi, TX 78411 – (361) 854-8600 – View Map - Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543 – View Map - Alba Insurance Inc
5022 Holly Rd #108 – Corpus Christi, TX 78411 – (361) 854-6551 – View Map
Exclusive Auto Insurance Agencies
Exclusive agents generally can only insure with one company such as State Farm or Allstate. They are unable to compare other company’s rates so you might not find the best rates. They are well schooled on the products they sell which helps overcome the inability to quote other rates. Some consumers prefer to buy from the same agent for years mainly due to the brand legacy and strong financial ratings.
The following are Corpus Christi exclusive insurance agents willing to provide comparison quotes.
- Allstate Insurance: Tricia Herte
5959 S Staples St #103 – Corpus Christi, TX 78413 – (361) 994-8927 – View Map - Johnnie Bickham – State Farm Insurance Agent
11014 Leopard St – Corpus Christi, TX 78410 – (361) 241-7621 – View Map - Allstate Insurance: Eddie Martinez
4942 Everhart Rd – Corpus Christi, TX 78411 – (361) 993-6638 – View Map
Finding the right car insurance agent should depend on more than just a low price. These are some valid questions you should ask.
- Is the coverage adequate for your vehicle?
- Where would glass claims be handled in Corpus Christi?
- Will one accident increase rates?
- Can you contact them at any time?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the company have a solid financial rating?
One last note
We just covered a lot of ways to compare Lexus ES 350 insurance premium rates in Corpus Christi. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even be surprised to find that the best price on insurance is with the smaller companies.
Some insurance companies may not offer the ability to get quotes online and most of the time these small insurance companies sell through independent agents. Affordable Lexus ES 350 insurance in Corpus Christi can be purchased both online and also from your neighborhood Corpus Christi agents, so compare prices from both in order to have the best chance of saving money.
While you’re price shopping online, you should never buy less coverage just to save a little money. In many instances, someone dropped full coverage and discovered at claim time that they should have had better coverage. The goal is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
For more information, feel free to visit the resources below:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Good Students in Corpus Christi? (FAQ)
- How Much is Corpus Christi Car Insurance for Low Credit Scores? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Low Mileage Drivers in Corpus Christi? (FAQ)
- How Much is Car Insurance for Veterans in Corpus Christi? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Auto Insurance Learning Center (State Farm)
- A Tree Fell on Your Car: Now What? (Allstate)
- Medical Payments Coverage (Liberty Mutual)