Discount Lexus ES 350 insuranceFeeling guilty for buying an overpriced insurance policy? Don't feel bad because you're not the only one.

Unfortunately, a large majority of insurance policyholders kept their coverage with the same insurance company for over three years, and nearly the majority have never taken the time to shop around. Denver drivers could cut their rates by up to $610 a year by just shopping around, but they feel it's too difficult to find cheaper insurance by shopping around. Big-name insurance companies like GEICO and Progressive increase brand awareness with ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

If you have a current car insurance policy or just want a better rate, you can follow these tips to cut your premiums without having to cut coverage. Locating the most cost-effective car insurance policy in Denver is really quite simple as long as you have a good starting point. Shoppers just need to know how to compare prices from many different companies online.

Cheap companies for Lexus ES 350 insurance

The companies shown below have been selected to offer quotes in Denver, CO. If more than one company is shown, we recommend you visit several of them in order to get a fair rate comparison.

Lexus ES 350 Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $182 $402 $338 $20 $102 $1,044 $87
Get Your Own Custom Quote Go

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in specific zip code location which can raise or lower prices greatly.

Physical damage deductibles

One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The figures shown below determine how much more you'll pay between low and high insurance deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Lexus ES 350 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $380 $740 $298 $18 $90 $1,551 $129
Get Your Own Custom Quote Go
Lexus ES 350 insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
ES 350 $210 $390 $298 $18 $90 $1,006 $84
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in garaging location in Denver which can decrease or increase premium rates substantially.

Based on these figures, using a $100 deductible costs about $45 more each month or $540 for a full year than quoting the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 20 months between claim filings, you would probably be better off by selecting a higher deductible. The table below shows how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $129
Average monthly premium for $1,000 deductibles (subtract): - $84
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

An important thing to remember is that a higher deductible means you will have to cover more of the damage yourself when you have a claim. You should have enough extra money in the event you have to pay the deductible to have repairs made.

Score discounts on Denver insurance

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but some discounts are required to be specially asked for before they will apply.

You should keep in mind that some credits don't apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like it's possible to get free car insurance, insurance companies wouldn't stay in business.

A list of companies and some of the premium reductions they offer are shown below.

Check with each insurance company the best way to save money. Some discounts might not be offered in Denver.

Do I need special coverages?

Always remember that when buying the right insurance coverage, there really is not a single plan that fits everyone. Each situation is unique and your auto insurance should unique, too. These are some specific questions could help you determine whether you could use an agent's help.

If you don't know the answers to these questions, you might consider talking to a licensed agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier It's fast, free and may give you better protection.

Neighborhood agents and auto insurance

Some consumers still prefer to go talk to an agent and that can be a smart move Agents can help you build your policy and give you someone to call. The biggest benefit of comparing auto insurance online is you can get the best rates and also buy local.

By using this simple form, your information is emailed to insurance agents in Denver that provide free Denver car insurance quotes and help you find cheaper coverage. There is no need to even leave your home as quotes are delivered instantly to you. If for some reason you want to compare rates from a particular provider, just visit that company's website to submit a rate quote request.

Picking an company is decision based upon more than just the price. Here are some questions to ask:

Do you need an independent or exclusive car insurance agent?

When searching for a local Denver insurance agency, there are a couple of types of insurance agents and how they are distinctly different. Agents can be classified as either independent or exclusive depending on the company they work for. Both types can provide auto insurance policies, but it's a good idea to understand the differences since it could factor into the selection process.

Exclusive Auto Insurance Agencies

Exclusive agencies can only write with one company and examples are State Farm, Allstate, and Farm Bureau. They are unable to place coverage with different providers so always compare other rates. Exclusive agents are usually well trained on sales techniques which helps them sell insurance even at higher premiums.

The following are Denver exclusive agencies willing to provide price quotes.


1165 S Broadway #114 - Denver, CO 80210 - (303) 777-7161 - View Map


1900 Wazee St #1538 - Denver, CO 80202 - (303) 595-5500 - View Map


3900 E Mexico Ave # 105 - Denver, CO 80210 - (303) 320-7859 - View Map

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Independent Auto Insurance Agents

Independent agents often have affiliation with several companies and that gives them the ability to insure with many different companies and potentially find a lower price. If they quote lower rates, an independent agent can move your coverage without you having to go to a different agency. When comparing rates, it's a good idea to get rate quotes from several independent agencies for the best price selection.

Shown below is a list of independent insurance agents in Denver that are able to give rate quotes.


67 Knox Ct - Denver, CO 80219 - (303) 935-3661 - View Map


7900 E Union Ave #200 - Denver, CO 80237 - (303) 752-5806 - View Map


2055 S Federal Blvd - Denver, CO 80219 - (303) 975-1229 - View Map

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Car insurance policy coverages for a Lexus ES 350

Having a good grasp of car insurance can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Liability car insurance

This protects you from injuries or damage you cause to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/15 that translate to $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and $15,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, repair bills for other people's vehicles, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford. Colorado state minimum liability requirements are 25/50/15 but drivers should carry more coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your ES 350 from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, colliding with another moving vehicle, crashing into a ditch, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible on your ES 350 to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Lexus ES 350.

Since a lot of drivers carry very low liability coverage limits (25/50/15), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses such as doctor visits, dental work, funeral costs and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

A little work can save a LOT of money

Cheap Lexus ES 350 insurance in Denver is definitely available on the web in addition to local insurance agencies, so you should compare both to have the best selection. A few companies don't offer price quotes online and many times these smaller providers provide coverage only through independent agents.

As you quote Denver car insurance, it's not a good idea to buy poor coverage just to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The aim is to find the BEST coverage at a price you can afford.

We just presented some good ideas how you can get a better price on Lexus ES 350 insurance in Denver. The key thing to remember is the more you quote Denver car insurance, the better chance you'll have of finding affordable Lexus ES 350 insurance quotes. Consumers may even find the best price on insurance is with a company that doesn't do a lot of advertising. Regional companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate, GEICO and Progressive.

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