How to Get the Absolute Lowest Rates When Buying Insurance for a Lincoln MKZ

Paying for high-priced Lincoln MKZ insurance can overdraw your savings account and make it hard to pay other bills. Doing a price comparison is a great way to slash your bill and have more diposable income.

Consumers have many insurance companies to insure vehicles with, and although it’s nice to be able to choose, it can be more challenging to find the best rates for your vehicles.

Take advantage of discounts

Companies that sell car insurance do not list all their discounts very clearly, so the following is a list of some of the more common and the more hidden ways to save on car insurance.

Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
Bundle and Save – If you have multiple policies with one company you will save approximately 10% to 15%.
Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for MKZ insurance than drivers with accident claims.
Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for MKZ insurance with select insurance companies.
Claim Free – Drivers who don’t have accidents can save substantially when compared with bad drivers.
Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

When should I talk to an agent?

When buying the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if you will benefit from professional help.

Are my tools covered if they get stolen from my vehicle?
Does medical payments coverage apply to all occupants?
Can I rate high risk drivers on liability-only vehicles?
Are split liability limits better than a combined single limit?
How much liability coverage do I need in my state?
Do I benefit by insuring my home with the same company?
Is my custom paint covered by insurance?
Do I have coverage for damage caused while driving under the influence?
At what point should I drop full coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. insurance cheap

Can’t I compare rates from local agents?

A small number of people prefer to talk to a local agent and that is just fine! One of the great benefits of getting online price quotes is that you can obtain lower rates and still have an agent to talk to.

To help locate an agent, after submitting this form (opens in new window), your information is submitted to companies who will battle for your insurance coverage. You never need to visit any agencies since price quotes are sent to your email. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.

Deciding on an insurer requires more thought than just the bottom line cost. Here are some questions to ask:

Which insurance companies are they affiliated with?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Do you have coverage for a rental car if your vehicle is in the repair shop?
Do they make recommendations based only on price?
What are the financial ratings for the companies they represent?
Are you getting all the discounts the company offers?

Independent or Captive: It’s your choice

When finding an insurance agent, you must know there are a couple types of insurance agents from which to choose. Insurance agencies are categorized either independent (non-captive) or captive.

Agency Captives

Captive insurance agents can only place business with one company and examples are AAA, Allstate and State Farm. They generally cannot place coverage with different providers so keep that in mind. Captive agents are trained well on their company’s products which helps them compete with independent agents.

Independent Agencies or Brokers

Independent insurance agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s recommended you get quotes from several independent insurance agents to get the best comparison.

For a complete listing of agencies, click here.

Upon receiving satisfactory answers to any questions you have and an acceptable price quote, you’ve probably found an auto insurance agent that will properly service your car insurance policy.

Online plus local equals savings

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. Too many times, someone dropped collision coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Cheaper Lincoln MKZ insurance is definitely available from both online companies and with local insurance agents, so you should compare both to have the best selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.