Affordable Quotes for Lincoln MKZ Insurance in San Diego

Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as millions of other people.

Discount Lincoln MKZ insuranceA recent car insurance study revealed that nearly 70% of drivers kept their coverage with the same car insurance company for a minimum of four years, and 38% of drivers have never compared rates to find affordable insurance. Many drivers in San Diego can save 35% each year just by shopping around, but they just don’t understand how much they could save if they bought a different policy.

People have many insurers to insure vehicles with, and even though it’s nice to have a selection, lots of choices makes it harder to find the best rates for your vehicles.

It’s a good habit to do price comparisons at least once a year because prices are constantly changing. Just because you found the best quotes on Lincoln MKZ insurance in San Diego at your last renewal there is a good chance you can find better rates now. Block out anything you think you know about car insurance because we’re going to show you the fastest and easiest way to remove unneeded coverages and save money.

Locating the most cost-effective auto insurance policy in San Diego seems hard but is not really that difficult. If you have a current auto insurance policy, you stand a good chance to be able to reduce premiums using these techniques. But California consumers can benefit from knowing how the larger insurance companies calculate your auto insurance rates because it can help you find the best coverage.

When comparison shopping, there are several ways to compare rate quotes from many car insurance companies in California. The best method to find cheaper Lincoln MKZ rates is to get quotes online.

It’s so fast and easy to compare rate quotes online that it takes the place of having to go to all the different San Diego insurance agencies. Doing it all online eliminates the need for an insurance agent unless you have a need for the guidance of a licensed agent. If you prefer, some companies allow you to comparison shop your insurance online but buy the policy through an agent.

When comparison shopping, comparing more quotes will enable you to find a better price.

The companies shown below have been selected to offer price comparisons in San Diego, CA. If multiple providers are shown, we recommend you visit several of them to get the lowest price.

Lincoln MKZ Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $428 $960 $674 $40 $202 $2,304 $192
MKZ AWD 4-Dr Sedan $334 $792 $480 $28 $144 $1,778 $148
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in zip code location which can influence insurance rates noticeably.

Analysis of deductible levels

One frequently asked question is what deductibles to buy. The tables below determine the rate fluctuation when you select higher and lower physical damage deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

Lincoln MKZ insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $430 $932 $500 $30 $150 $2,067 $172
MKZ AWD 4-Dr Sedan $430 $932 $500 $30 $150 $2,067 $172
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Lincoln MKZ insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $314 $630 $500 $30 $150 $1,624 $135
MKZ AWD 4-Dr Sedan $314 $630 $500 $30 $150 $1,624 $135
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific garaging location which can impact prices noticeably.

We can estimate from the data above that using a $100 deductible costs roughly $37 more each month or $444 for a full year than buying the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at least 11 months between claim filings, you would come out ahead if you choose the higher deductible.

Take policy discounts and save on Lincoln MKZ insurance in San Diego

Auto insurance is expensive, but you may qualify for discounts that you may not know about. Many of these discounts will be applied automatically when you purchase, but less common discounts must be asked about prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.Discount auto insurance

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

Some companies that may offer policyholders these money-saving discounts may include but are not limited to:

If you want the cheapest Lincoln MKZ rate quotes, ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered in San Diego.

Get rate quotes but buy from a local San Diego insurance agent

Certain consumers just prefer to have an agent’s advice and that is just fine! One of the great benefits of comparing rate quotes online is the fact that drivers can get cheap auto insurance quotes and also buy local.

For easy comparison, once you complete this simple form, your insurance data is immediately sent to insurance agents in San Diego who will give you bids and help you find cheaper coverage. There is no need to contact any agents because prices are sent immediately to your email address. You can find lower rates and work with a local agent. If you wish to get a comparison quote from a specific auto insurance provider, feel free to jump over to their website and complete a quote there.

Finding a good insurance company shouldn’t rely on just a cheap quote. The following questions are important to ask.

Insurance agent types

If you want a good San Diego insurance agent, you must know there are a couple different types of agencies and how they work. Agencies in San Diego can be categorized as either independent or exclusive.

Exclusive Agents

Agents that elect to be exclusive are contracted to one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. Exclusive agencies are very knowledgeable on what they offer and that can be a competitive advantage.

The following is a short list of exclusive agents in San Diego that are able to give comparison quotes.

4669 Murphy Canyon Rd Ste 101San Diego, CA 92123(858) 569-1120View Map

3555 Rosecrans St Ste 202San Diego, CA 92110(619) 223-2191View Map

2820 Camino del Rio S Ste 310San Diego, CA 92108(619) 291-1787View Map

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Independent Auto Insurance Agencies

Agents that elect to be independent are not employed by any specific company and that gives them the ability to insure with any number of different companies depending on which coverage is best. If they quote lower rates, an independent agent can move your coverage without you having to go to a different agency. When comparing auto insurance prices, you will definitely want to include price quotes from multiple independent agents so that you have a good selection of quotes to compare.

Shown below is a short list of independent insurance agencies in San Diego that are able to give comparison quotes.

4619 Convoy St # CSan Diego, CA 92111(858) 569-0383View Map

1274 Scott StSan Diego, CA 92106(800) 266-2662View Map

9699 Tierra Grande St # 100San Diego, CA 92126(800) 421-4653View Map

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Upon receiving acceptable answers to these questions and an acceptable price quote, chances are good that you have found a car insurance agent that is reputable and can insure your vehicles.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no perfect coverage plan. You are unique.Higher deductibles save money

For instance, these questions might help in determining if your situation will benefit from professional help.

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Informed Consumers Can Reduce Their Insurance Prices

Lots of factors are used when quoting car insurance. Some are obvious such as your driving record, but others are more transparent such as your marital status or how financially stable you are.

Three reasons to not skimp on car insurance

Despite the potentially high cost of Lincoln MKZ insurance, car insurance is not optional due to several reasons.

First, most states have minimum liability requirements which means state laws require a minimum amount of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Lincoln MKZ has a lien holder, more than likely the lender will stipulate that you buy insurance to guarantee loan repayment. If the policy lapses, the lender may have to buy a policy to insure your Lincoln at an extremely high rate and require you to fork over much more than you were paying before.

Third, car insurance preserves both your assets and your Lincoln MKZ. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially if you ever need it. According to a 2015 survey, the average American driver overpays more than $820 a year so you should quote rates at every renewal to make sure the price is not too high.

Be persistent to save money

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. There are too many instances where an insured dropped full coverage only to regret that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

People change insurance companies for a variety of reasons including policy non-renewal, poor customer service, an unsatisfactory settlement offer and not issuing a premium refund. Whatever your reason, choosing a new insurance company is actually quite simple.

We covered a lot of ways to reduce Lincoln MKZ insurance premium rates online in San Diego. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest premium rates are with some of the lesser-known companies.

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