Cheap Insurance for a Lexus ES 350 in Jersey City

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Insurance for Lexus ES 350The most effective way to find cheaper quotes for Lexus ES 350 insurance in Jersey City is to compare quotes once a year from different companies that insure vehicles in New Jersey.

  • Step 1: Gain an understanding of policy coverages and the things you can change to prevent expensive coverage. Many rating factors that drive up the price such as traffic citations, accidents, and an imperfect credit rating can be rectified by improving your driving habits or financial responsibility.
  • Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO and Allstate, while independent agencies can provide prices from multiple sources.
  • Step 3: Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
  • Step 4: Provide proper notification to your current company to cancel your current policy and submit a signed application and payment to your new carrier. Immediately upon receiving it, place the new certificate of insurance above your visor, in the console, or in the glove compartment.

A tip to remember is that you use similar deductibles and liability limits on every price quote and and to get price quotes from as many different insurance providers as possible. This provides the most accurate price comparison and the best price quote selection.

It's safe to conclude that car insurance companies don't want you comparing rates. Insureds who shop around for cheaper rates are likely to buy a new policy because they stand a good chance of finding a more affordable policy. A recent insurance study revealed that consumers who routinely shopped around saved $850 each year compared to drivers who never shopped around for better prices.

If finding the cheapest rates on auto insurance in Jersey City is your goal, then learning a little about how to quote prices and compare coverage rates can make it easier to shop your coverage around.

Lower-cost Lexus ES 350 insurance in Jersey City

Auto insurance companies don't always publicize all available discounts very well, so we break down a few of the more common and the more hidden credits that you can use to lower your rates.Cheaper insurance with discounts

  • Low Mileage Discounts - Driving less could qualify for lower premium rates on the low mileage vehicles.
  • Federal Government Employee - Simply working for the federal government could provide a small rate reduction depending on your insurance provider.
  • Discount for Life Insurance - Not all insurance companies offer life insurance, but some may give you a small discount if you purchase a life insurance policy as well.
  • Accident Waiver - Not a discount per se, but a few companies such as Allstate and Progressive will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Multi-car Discount - Buying coverage for all your vehicles on a single policy may reduce the rate for each vehicle.
  • Anti-lock Brakes - Cars with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
  • Military Rewards - Being on active duty in the military could qualify you for better rates.
  • Theft Prevention Discount - Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, companies don't profit that way.

The chart below illustrates the comparison of Lexus ES 350 car insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, no accidents, no driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-policy, claim-free, and multi-car discounts applied.

A list of insurance companies and some of their more popular discounts are included below.

  • Travelers offers premium reductions for save driver, good student, home ownership, multi-car, and new car.
  • 21st Century offers discounts including driver training, defensive driver, homeowners, air bags, anti-lock brakes, theft prevention, and early bird.
  • State Farm policyholders can earn discounts including Drive Safe & Save, safe vehicle, multiple autos, Steer Clear safe driver discount, anti-theft, and good student.
  • GEICO discounts include defensive driver, five-year accident-free, membership and employees, multi-vehicle, anti-lock brakes, multi-policy, and driver training.
  • SAFECO may include discounts for anti-lock brakes, accident prevention training, multi-car, teen safe driver, anti-theft, teen safety rewards, and bundle discounts.
  • AAA may have discounts that include AAA membership discount, education and occupation, good student, pay-in-full, good driver, and multi-policy.

If you are trying to find affordable Jersey City auto insurance quotes, ask all the companies which discounts you qualify for. Discounts may not be offered in your area. For a list of insurance companies that offer the discounts shown above in New Jersey, follow this link.

Many insurance companies allow consumers to get price estimates on the web. Getting quotes for Lexus ES 350 insurance in Jersey City is quite easy as you just enter your personal and coverage information into a form. Once you submit the form, their rating system requests your driving and credit reports and quotes a price based on these factors. This simplifies rate comparisons, and it's necessary to do this if you want to find the most affordable premium.

To save time and find out how much you can save on insurance, take a look at the companies shown below. To compare your current rates, we recommend you input deductibles and limits identical to your current policy. Using the same limits helps guarantee you're receiving rate quotes based on the exact same insurance coverage.

The car insurance companies shown below are our best choices to provide price comparisons in Jersey City, NJ. If you want to find the best auto insurance in Jersey City, NJ, we suggest you get prices from several of them to get a more complete price comparison.

Facts and figures for Lexus ES 350 insurance

The price information shown below showcases estimates of insurance rates for Lexus ES 350 models. Being able to understand how auto insurance policy rates are figured can be valuable when making smart choices when buying a car insurance policy.

Lexus ES 350 Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $248 $524 $462 $28 $138 $1,400 $117
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can alter coverage rates noticeably.

Higher deductibles lower rates

When comparing insurance rates, the most common question is which comprehensive and collision deductibles to buy. The comparison tables below summarize the premium difference when you choose different insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Lexus ES 350 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $466 $848 $408 $24 $122 $1,893 $158
Get Your Own Custom Quote Go
Lexus ES 350 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $288 $534 $408 $24 $122 $1,376 $115
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in Jersey City location which can impact prices noticeably.

Based on the data above, we can derive that using a $250 deductible costs an average of $43 more each month or $516 a year than selecting the higher $1,000 deductible. Due to the fact that 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 normally go at least 17 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Careless driving habits raise insurance rates

The information below shows how speeding tickets and at-fault claims drive up Lexus ES 350 insurance costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Lexus ES 350 insurance premiums by gender and age

The chart below compares Lexus ES 350 car insurance rates for male and female drivers. Data assumes no accidents, no driving violations, full coverage, $1,000 deductibles, single status, and no discounts are factored in.

Car insurance agents near you

Many drivers would rather buy from a licensed agent and we recommend doing that A good thing about comparing insurance prices online is that you can find the best rates and still choose a local agent.

Once you complete this quick form, your insurance coverage information is sent to local insurance agents who will gladly provide quotes for your business. There is no reason to search for an agent due to the fact that quote results will go instantly to you. You'll get the best rates and a licensed agent to talk to. If you want to get a rate quote from a specific insurance company, you would need to jump over to their website to submit a rate quote request.

Picking an insurance company requires you to look at more than just the premium amount. Here are some questions you should ask.

  • How are they compensated?
  • Can glass repairs be made at your home?
  • Does the agency have a good rating with the Better Business Bureau?
  • Are aftermarket or OEM parts used to repair vehicles?
  • Is the agency active in community causes in Jersey City?
  • Which company do they place the most coverage with?
  • Can you get a list of referrals?
  • If your car is totaled, how to they determine the replacement cost?

The following is a short list of insurers in Jersey City that may be able to provide price quote information for Lexus ES 350 insurance in Jersey City.

300 Exchange Pl - Jersey City, NJ 07311 - (201) 743-4000 - View Map

Cheap Car Insurance Quotes Auto Newark NJ
268 W KINNEY ST - Newark, NJ 07103 - (888) 290-0635 - View Map

844 Bergen Ave - Jersey City, NJ 07306 - (201) 332-6999 - View Map

591 Summit Ave - Jersey City, NJ 07306 - (201) 793-7525 - View Map

View more Jersey City agents

The lowest rates come from being thorough

As you prepare to switch companies, never sacrifice coverage to reduce premiums. In many instances, an accident victim reduced full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

Affordable Lexus ES 350 insurance in Jersey City is attainable both online as well as from insurance agents, so you need to shop Jersey City auto insurance with both to have the best chance of lowering rates. A few companies do not offer online price quotes and these regional insurance providers only sell coverage through independent agents.

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