Are you trying to find the cheapest Lexus ES 350 insurance in Phoenix? If you are new to getting Phoenix auto insurance quotes online, by this point your are probably baffled by the diversity of insurance providers all claiming to save you money.
A study showed that nearly 70% of drivers have been with the same company for a minimum of four years, and approximately 40% of consumers have never quoted insurance rates at all. Consumers in Arizona can save hundreds of dollars each year, but they assume it’s a waste of time to compare rates.
If you are already insured, you will be able to lower your rates using the following tips. Finding the cheapest car insurance coverage in Phoenix is actually quite simple. Nevertheless, Arizona drivers must learn how big insurance companies determine premium rates because it varies considerably.
Most of the larger companies make it easy to get coverage prices directly from their websites. Getting online rates for Lexus ES 350 insurance in Phoenix is easy for anyone as you just enter your coverage preferences as requested by the quote form. Upon sending the form, the system gets your credit score and driving record and returns a price quote.
Quoting online for Lexus ES 350 insurance in Phoenix simplifies rate comparisons, and it’s necessary to get many rate quotes in order to get lower-cost car insurance pricing.
To get comparison pricing now, take a look at the companies shown below. If you have your current policy handy, we recommend you enter the coverages exactly as shown on your declarations page. This guarantees you will be getting comparison quotes based on the exact same insurance coverage.
The companies in the list below are our best choices to provide price quotes in Phoenix, AZ. If several companies are displayed, it’s a good idea that you get rates from several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ES 350 | $176 | $384 | $308 | $18 | $92 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Prices do not factor in garaging location in Phoenix which can decrease or increase auto insurance rates considerably.
An analysis of deductible level
When shopping for auto insurance, a common question is where should you set your physical damage deductibles. The following insurance rates can help you understand the rate differences when you select higher and lower deductibles. The first rate comparisons uses a $250 physical damage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ES 350 | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| ES 350 | $236 | $428 | $254 | $16 | $76 | $1,010 | $84 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in specific location information which can influence rates greatly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $15 more each month or $180 a year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 17 months between claim filings, you would save money by going with a higher deductible. Here’s an example of how this determination is made.
| Average monthly premium for $250 deductibles: | $99 |
| Average monthly premium for $500 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important note is that higher deductibles means you will have to pay more out-of-pocket when you have a physical damage claim. You will want to have some extra funds in the event you need to pay the higher deductible.
It’s not one size fits all
Keep in mind that when it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.
For instance, these questions may help highlight whether you might need an agent’s assistance.
- Should I buy full coverage?
- Can I drive in Mexico and have coverage?
- Should I file a claim if it’s only slightly more than my deductible?
- Is motorclub coverage worth it?
- Is my custom stereo system covered?
- Where can I get insurance after a DUI in Arizona?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Comparing prices from local Phoenix insurance agencies
Some people just prefer to sit down and talk to an agent and doing so can bring peace of mind One of the best bonuses of getting online price quotes is you may find better rates and still choose a local agent.
By using this simple form, the coverage information is submitted to participating agents in Phoenix that can provide free Phoenix auto insurance quotes for your insurance coverage. You don’t have to search for any insurance agencies because quoted prices will be sent directly to your email. You’ll get the best rates without requiring a lot of work. If you have a need to quote rates for a specific company, just go to their quote page and give them your coverage information.
Deciding on an provider shouldn’t rely on just a cheap price quote. Here are some questions to ask:
- Do they carry Errors and Omissions coverage?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is the agency involved in supporting local community causes?
- Can they help ensure a fair claim settlement?
- Is assistance available after office hours?
- What are the financial ratings for the companies they represent?
Is an exclusive or independent car insurance agent right for you?
If you want a local Phoenix insurance agency, it helps to know the two different agency structures and how they differ in how they quote coverages. Insurance agencies can be classified as either independent agents or exclusive agents.
Exclusive Agents
Agents of this type have only one company to place business with and examples are AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot place coverage with different providers so it’s a take it or leave it situation. These agents are very knowledgeable on their company’s products which can be an advantage. Some people will only buy from exclusive agents mostly because of the brand name instead of buying on price only.
Shown below are exclusive agents in Phoenix who may provide you with comparison quotes.
- Chuck Kelly – State Farm Insurance Agent
314 E Thomas Rd – Phoenix, AZ 85012 – (602) 277-5776 – View Map - Llyrena Sherwood – State Farm Insurance Agent
3415 W Glendale Ave #7 – Phoenix, AZ 85051 – (602) 368-9102 – View Map - Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 – View Map
Independent Insurance Agents
Independent agencies are not employed by one company and that gives them the ability to insure with any number of different companies and get the cheapest rates. If they find a cheaper price, your policy is moved internally without you having to go to a different agency. When comparing rates, you definitely need to get several quotes from a couple of independent agencies in order to compare the most rates. Many independent agencies also insure through companies that do not advertise much which can be an advantage.
The following is a short list of independent insurance agents in Phoenix willing to provide price quote information.
- Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map - General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map - Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map
Upon receiving good responses to all your questions as well as a price you’re happy with, most likely you have located a car insurance agent that can be relied on to properly service your insurance policy. Keep in mind consumers can terminate your policy for any reason so don’t assume you’re contractually obligated to a specific agent with no way to switch.