Save on Lincoln MKT Insurance in Mesa

It takes a few minutes, but the best way to find discount Lincoln MKT insurance is to start doing a yearly price comparison from insurance carriers who provide car insurance in Mesa.

Step 1: Read and learn about the coverage provided by your policy and the measures you can control to prevent high rates. Many rating criteria that cause rate increases such as multiple speeding tickets and poor credit history can be remedied by paying attention to minor details. Read the full article for additional ideas to find cheap prices and get discounts that may be overlooked.

Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide price quotes for a wide range of companies.

Step 3: Compare the price quotes to your existing rates and determine if cheaper MKT coverage is available. If you find better rates and buy the policy, ensure coverage does not lapse between policies.

Step 4: Provide notification to your current agent or company to cancel your current policy and submit the application along with any required down payment to your new insurance company. Once the paperwork is finalized, place the new certificate verifying proof of insurance in an easily accessible location in your vehicle.

A good piece of advice is to compare identical limits and deductibles on every quote and and to compare as many auto insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the best price quote selection.

Astonishing but true according to a recent study, over 70% of consumers have purchased from the same company for more than four years, and virtually 40% of consumers have never compared auto insurance rates at all. Arizona drivers could save themselves as much as 50% a year by just comparing rate quotes, but they won’t spend time to compare rate quotes.

First Step: Get free Lincoln MKT insurance quotes

To find the best insurance rates, there are several ways of comparing price quotes from companies that offer insurance in Arizona. The best method to do a complete rate comparison consists of shopping online. When comparison shopping, comparing all the rates in your area will improve the odds of getting more affordable insurance. Some regional insurers cannot provide online Mesa MKT insurance quotes, so you also need to get prices from the smaller companies as well.

The following companies have been selected to offer free rate quotes in Arizona. To find cheap car insurance in Mesa, we recommend you compare several of them in order to get a fair rate comparison.

Don’t overlook these Lincoln MKT insurance discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but a few must be asked about before being credited. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.

• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
• Discount for Swiching Early – Select car insurance companies give a discount for signing up before your current MKT insurance policy expires. You can save around 10% with this discount.
• Accident-Free Discounts – Drivers with accident-free driving histories can save substantially as compared to policyholders that have many claims.
• Discounts for Multiple Vehicles – Insuring more than one vehicle on one policy can reduce the rates for all insured vehicles.
• Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their Mesa auto insurance quote than less cautious drivers.
• Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more off the medical payments premium.
• Good Student Discount – Maintaining excellent grades may save as much as 25% on a Mesa auto insurance quote. Many companies even apply the discount to college students up to age 25.
• Federal Employees – Active or former government employment could provide a small rate reduction with a few car insurance companies.
• Policy Bundle Discount – If you have multiple policies with the same company you may earn up to 20% off your total MKT insurance premium.

Consumers should know that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

The chart below illustrates the comparison of Lincoln MKT annual premium costs with and without some available policy discounts. The prices are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, multi-car, and safe-driver discounts applied.

Popular car insurance companies and a summarized list of policyholder discounts include:

• State Farm offers discounts including safe vehicle, multiple autos, passive restraint, defensive driving training, Drive Safe & Save, accident-free, and driver’s education.
• GEICO includes discounts for military active duty, air bags, membership and employees, seat belt use, and anti-lock brakes.
• Allstate has savings for anti-lock brakes, premier plus, good student, auto/life discount, teenSMART discount, early signing, and 55 and retired.
• SAFECO may have discounts that include drive less, multi-car, safe driver, accident prevention training, teen safety rewards, and anti-theft.
• Farm Bureau policyholders can earn discounts including renewal discount, safe driver, multi-policy, driver training, good student, 55 and retired, and multi-vehicle.
• Progressive offers premium reductions for online quote discount, multi-policy, continuous coverage, online signing, homeowner, and good student.
• AAA may offer discounts for multi-policy, good student, pay-in-full, multi-car, anti-theft, good driver, and AAA membership discount.

When quoting, ask each company or agent to apply every possible discount. Some discounts listed above may not be offered everywhere.

Lincoln MKT coverage analysis

The data table shown below highlights different coverage prices for Lincoln MKT models. Learning how car insurance prices are figured can help drivers make informed decisions.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in specific location information which can raise or lower premium rates greatly.

How high should deductibles be?

One frequently asked question is how high should the physical damage deductibles be. The following insurance rates can help show how much more you’ll pay when you select higher and lower physical damage coverage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in vehicle location which can decrease or increase insurance rates significantly.

We can derive from the above data that using a $250 deductible costs an average of $14 more each month or $168 every year than choosing the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 18 months between claim filings, you would come out ahead by going with a higher deductible. Here’s how this determination is made.

One important issue to know is that raising deductibles to get cheaper rates means you will have to pay more when you have to file a claim. You need to have enough money put aside in order to pay the higher deductible in order to repair your vehicle.

The illustration below illustrates how your deductible choice and can change Lincoln MKT premium costs for different insured age categories. The data is based on a single female driver, full coverage, and no additional discounts are factored in.

Rate comparison of males versus females in Mesa

The chart below compares Lincoln MKT insurance costs for male and female drivers. The premium estimates are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied.

Price comparison of only insuring for liability

The chart below shows the difference between Lincoln MKT auto insurance costs when comparing full coverage to state minimum liability only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are applied.

When to drop full coverage

There is no written rule for eliminating full coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Lincoln MKT replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after you pay the deductible. If you are paying more than $700 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Shop online but buy locally

Many people would prefer to get professional advice from a licensed agent and that can be a great decision The best thing about comparing car insurance online is that you can obtain cheap car insurance quotes but still work with a licensed agent.

To make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to companies in Mesa who will give you quotes for your insurance coverage. You never need to search for an agent because prices are sent to you. Get lower rates without the usual hassles of price shopping. If for some reason you want to compare prices from a specific company, you just need to jump over to their website and fill out the quote form the provide.

Deciding on a company should depend on more than just a cheap quote. These are some questions your agent should answer.

• What insurance company do they write the most business with?
• Will one accident increase rates?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Are claims handled at the agent’s location?
• Are they giving you every discount you deserve?
• Is their price quote a firm figure or are their hidden costs?

If you are wanting to purchase car insurance from a local insurance agency, there are two types of insurance agents that you can select. Agencies in Mesa can either be exclusive or independent (non-exclusive).

Exclusive Insurance Agents

Agents of this type have only one company to place business with and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to place coverage with different providers so it’s a take it or leave it situation. Exclusive agents are highly trained on their company’s products which helps offset the inability to provide other markets. Consumers sometimes buy insurance from these agents primarily because of loyalty to the company rather than low price.

Below is a short list of exclusive agencies in Mesa willing to provide comparison quotes.

• Allstate Insurance: Roger Bentley
  3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650 – View Map
• Kimball Porter – State Farm Insurance Agent
  1847 S Greenfield Rd Ste 107 – Mesa, AZ 85206 – (480) 892-1779 – View Map
• Scott Urry – State Farm Insurance Agent
  5524 E Baseline Rd – Mesa, AZ 85206 – (480) 969-9155 – View Map

View more Mesa agents

Independent Car Insurance Agents

Agents of this type can quote rates with many companies and that is an advantage because they can write policies with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company which requires no work on your part.

When shopping rates, it’s recommended you compare prices from several independent agencies so that you have a good selection of quotes to compare. Most also have access to smaller companies which can save you money.

The following is a short list of independent insurance agencies in Mesa that can give you price quote information.

• ABI Insurance LLC
  7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map
• AALL Insurance
  354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
• Oasis Insurance
  30 N Gilbert Rd – Mesa, AZ 85203 – (480) 649-8001 – View Map

View more Mesa agents

Upon getting acceptable answers to any questions you have and low cost Lincoln MKT insurance quotes, you may have just found an auto insurance agent that will adequately provide car insurance.

There’s no such thing as the perfect insurance policy

When it comes to choosing the best insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

• I don’t drive much so do I pay less?
• When should I drop full coverage on my Lincoln MKT?
• Should I file a claim if it’s only slightly more than my deductible?
• Does my personal policy cover me when driving out-of-state?
• How high should my medical payments coverage be?
• Is coverage enough to protect my assets?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

How do Car Insurance Companies Determine Lincoln MKT Insurance Costs?

An important part of buying insurance is that you know a few of the rating criteria that help determine the level of your policy premiums. If you understand what influences your rates, this allows you to make educated decisions that can earn you much lower annual insurance costs.

• Be proud to be claim-free – Insurance companies in Arizona award the lowest premiums to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance is intended for more catastrophic claims.
• Where you live plays a part – Choosing to live in a rural area has it’s advantages when trying to find low car insurance rates. Drivers who live in large cities regularly have traffic congestion and longer commute times. Less people means a lower chance of having an accident in addition to fewer liability claims.
• Save miles driven and save money – Driving a lot of miles in a year the more you will pay for insurance. Most companies calculate prices based on their usage. Cars that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. Incorrect rating for your MKT may be wasting your money. It’s a smart idea to ensure your insurance declarations sheet states the proper vehicle usage.
• Never allow your policy to lapse – Letting your insurance expire is a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a hefty fine and possibly a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with the Arizona motor vehicle department.
• Pay more out-of-pocket – Comprehensive and collision coverage deductibles tell how much you are required to spend if the claim is covered. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims could be a windshield broken by a bird, fire damage, or theft of your vehicle. The more you have to pay, the lower your rates will be.
• Liability is peace of mind – The liability coverage on your policy will protect you if you are determined to be liable for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.

• Claims statistics for a Lincoln MKT – Companies use statistical claims data as a way to help calculate a profitable premium price. Models that are shown to have increased losses will have a higher cost to insure.

  The table below outlines the insurance loss data used by companies for Lincoln MKT vehicles. For each type of coverage, the loss probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Percentage values below 100 suggest a positive loss record, while percentage values above 100 point to more frequent losses or a tendency for losses to be larger than average.

  
  

  Auto Insurance Loss Data for Lincoln MKT Models

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Lincoln MKT 4dr 2WD	128		133
  Lincoln MKT 4dr 4WD	118	85	138	85

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Why you need Lincoln MKT insurance in Arizona

Despite the potentially high cost of Lincoln MKT insurance, buying car insurance is mandatory in Arizona but it also protects more than you think.

• Just about all states have minimum liability requirements which means the state requires specific minimum amounts of liability coverage if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a loan on your Lincoln MKT, it’s guaranteed your bank will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Lincoln at a significantly higher premium and force you to pay the higher premium.
• Insurance protects both your assets and your Lincoln. It will also cover all forms of medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the repair costs.

The benefits of carrying enough insurance are definitely more than the cost, especially with large liability claims. Unknowingly, the average driver is overpaying over $700 annually so compare rates at every renewal to ensure rates are inline.

Keep this in mind when shopping around

Cheap Lincoln MKT insurance in Mesa is available online and from local insurance agents, so get free Mesa auto insurance quotes from both of them to have the best rate selection. A few companies may not provide price quotes online and these small, regional companies only sell through independent insurance agents.

Throughout this article, we presented many tips how you can save on Lincoln MKT insurance in Mesa. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, poor customer service, denial of a claim or extreme rates for teen drivers. It doesn’t matter why you want to switch finding the right auto insurance provider can be pretty painless.

Additional learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Institute)
• How Much are Mesa Car Insurance Quotes for Nurses? (FAQ)
• Who Has Affordable Auto Insurance Rates for 19 Year Olds in Mesa? (FAQ)
• What Insurance is Cheapest for 17 Year Olds in Mesa? (FAQ)
• How Much are Auto Insurance Rates for a Toyota RAV4 in Mesa? (FAQ)
• How Much are Mesa Auto Insurance Rates for 16 Year Olds? (FAQ)
• How Much are Auto Insurance Quotes for State Employees in Mesa? (FAQ)
• Safety Belts FAQ (iihs.org)
• Teen Driving and Texting (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)