Affordable Los Angeles Lincoln MKS Insurance

Would you like to stop overpaying and find more affordable Lincoln MKS insurance in Los Angeles? Are you a victim of an overpriced auto insurance policy? Trust us when we tell you there are many Los Angeles consumers feeling the pinch from expensive auto insurance.

A recent survey discovered that the vast majority of auto insurance customers renewed their policy with the same company for a minimum of four years, and approximately 38% of consumers have never even shopped around for cheaper coverage. With the average premium in California being $1,387, drivers could cut their rates by $500 a year just by getting comparison quotes, but they just don’t want to find cheaper auto insurance rates. Online insurance companies like Allstate and Progressive continually bombard you with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you are already insured or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Locating the most cost-effective insurance policy in Los Angeles can be made easier if you know where to look. Shoppers only need to know the most time-saving way to shop their coverage around on the web.

Low cost Lincoln MKS insurance prices in Los Angeles, CA

The car insurance companies shown below are our best choices to provide quotes in California. If the list has multiple companies, it’s highly recommended you click on several of them to find the lowest car insurance rates.

Insurance rate breakdown

The information shown next showcases different coverage prices for Lincoln MKS models. Having knowledge of how car insurance prices are figured helps drivers make decisions on which insurance to purchase.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in zip code location which can alter premiums greatly.

Policy deductibles

When shopping for car insurance, a common question is how high should the deductibles for physical damage be. The comparison tables below sum up the premium difference between high and low deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location which can modify premiums considerably.

Based on the above data, using a $250 deductible would cost the average driver about $41 more each month or $492 annually than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 18 months between claims, you would probably be better off by selecting a higher deductible.

Why do I need car insurance?

Despite the fact that car insurance is not cheap in Los Angeles, insurance is required for several reasons.

• Most states have mandatory liability insurance requirements which means you are required to carry a specific level of liability in order to license the vehicle. 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.
• If you bought your vehicle with a loan, more than likely the lender will stipulate that you buy full coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Lincoln at a much higher premium rate and make you pay a much higher amount than you were paying before.
• Insurance safeguards both your assets and your car. It will also cover many types of medical costs for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If you have damage to your Lincoln as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having car insurance more than cancel out the cost, specifically if you ever have a liability claim. The average driver in America overpays more than $820 a year so it’s important to compare rates at least once a year to ensure rates are competitive.

Choices You Make Can Impact Your Insurance Prices

The best way to find cheaper car insurance is to take a look at some of the things that play a part in calculating the price you pay for car insurance. If you know what determines base rates, this enables informed choices that may result in lower car insurance prices. Multiple criteria are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but other criteria are less obvious like your continuous coverage or your commute time.

The list below includes some of the most common factors car insurance companies consider when setting your rate level.

• Maintain car insurance coverage – Driving any period of time without insurance is a misdemeanor and companies may charge more for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, the inability to provide proof of insurance can result in a steep fine or even jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department to get your license reinstated.
• A good credit rating can save money – Having a bad credit score factor in determining what you pay for car insurance. Therefore, if your credit history could use some work, you may save money insuring your Lincoln MKS by improving your rating. Insureds with high credit ratings tend to file fewer claims as compared to drivers with lower credit scores.
• What are your deductibles? – The deductibles represent how much money the insured will be required to pay in the event of a claim. Physical damage coverage, aka comp and collision, protects your car from damage. Some instances where coverage would apply would be collision with another vehicle, collision with a deer, and damage from wind. The more you pay before a claim is paid (deductible), the less your company will charge you for insurance.
• Keep premiums low by being claim-free – Auto insurance companies in California generally give discounts to insureds who are not frequent claim filers. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended for major claims that would cause financial hardship.
• Lower rates with a multi-policy discount – The majority of companies give a discount to customers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to get quotes from other companies to make sure you are getting the best deal. You may still be able to save money even if you insure with multiple companies
• Lower prices with alarm systems – Buying a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft and help lower rates.

• Gender matters – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that men are worse drivers. Males and females get in at-fault accidents at a similar rate, but males tend to have higher claims. Men also statistically get ticketed for serious violations such as DWI and reckless driving.

  The chart below illustrates the difference between Lincoln MKS auto insurance rates for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.

• Do you have a demanding occupation? – Occupations like doctors, business owners, and stock brokers generally have the highest rates attributed to intense work situations and long work hours. Other jobs such as farmers, historians and retirees pay the least.

• Insurance losses for a Lincoln MKS – Insurance companies use data from past claims to help calculate a profitable premium price. Vehicles that statistically have higher number or severity of losses will have a higher premium rate. The table below outlines the historical loss data for Lincoln MKS vehicles.

  For each insurance policy coverage type, the claim probability for all vehicles, as a total average, is set at 100. Values under 100 suggest a positive loss record, while values over 100 indicate more frequent losses or a tendency for losses to be larger than average.

  
  

  Auto Insurance Loss Data for Lincoln MKS Models

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Lincoln MKS 4dr 2WD	121	90	140	78	103
  Lincoln MKS 4dr 4WD	135	89	204	89
  Lincoln MKS Ecoboost 4dr 4WD	139	93	153	87

  BETTER

  AVERAGE

  WORSE

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

Lincoln MKS insurance discounts in Los Angeles

Auto insurance is expensive, but you may be missing some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but occasionally some discounts must be inquired about before they will apply.

• Passive Restraints – Factory air bags or motorized seat belts may get savings of 20 to 30 percent.
• One Accident Forgiven – This one is not really a discount per se, but some insurance companies will let one accident slide before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
• No Claims – Drivers who don’t have accidents can earn big discounts as compared to drivers who are more careless.
• Cautious Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% than less cautious drivers.
• Bundle and Save – When you have multiple policies and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
• Membership in Organizations – Affiliation with a professional or civic organization could earn you a nice discount on your next auto insurance statement.

As a footnote on discounts, some credits don’t apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

The diagram below illustrates the comparison of Lincoln MKS auto insurance costs with and without some available policy discounts. The prices are based on a female driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, safe-driver, multi-car, and homeowner discounts applied.

A few popular companies and some of the discounts can be read below.

• Progressive may have discounts that include online quote discount, online signing, good student, multi-policy, and homeowner.
• SAFECO may offer discounts for accident prevention training, homeowner, drive less, teen safe driver, anti-lock brakes, multi-car, and teen safety rewards.
• American Family offers discounts for accident-free, air bags, early bird, bundled insurance, and mySafetyValet.
• MetLife may include discounts for accident-free, good student, defensive driver, multi-policy, good driver, claim-free
• GEICO has discounts for anti-theft, multi-vehicle, anti-lock brakes, multi-policy, and membership and employees.
• The Hartford discounts include defensive driver, air bag, bundle, driver training, and vehicle fuel type.

Before you buy a policy, ask all companies you are considering what discounts are available to you. A few discounts may not apply in Los Angeles. To see companies with significant discounts in Los Angeles, click here to view.

Special considerations

When it comes to buying the best auto insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed.
Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

• When should I remove my kid from my policy?
• Is other people’s property covered if stolen from my vehicle?
• Do I have coverage if I rent a car in Mexico?
• Am I covered when driving on a suspended license?
• When should I not buy collision coverage?
• Will I lose any money if I cancel my policy before it expires?
• Am I covered when delivering products for my home-based business?
• Am I covered if I back into my garage door?
• Why do I have to buy liability insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

When should I get advice from an agent?

Some consumers still prefer to sit down and talk to an agent and that can be a smart move Good agents can point out coverage gaps and help submit paperwork. One of the best bonuses of comparing rate quotes online is that you can find cheap insurance quotes and still choose a local agent. Buying from and supporting neighborhood agents is definitely important in Los Angeles.

To find an agent, once you fill out this short form, the coverage information is submitted to agents in your area that provide free Los Angeles car insurance quotes to get your business. It’s much easier because you don’t need to drive around as quotes are delivered directly to you. If you need to get a comparison quote from a specific insurance company, you just need to navigate to their website to submit a rate quote request.

Finding the right provider is decision based upon more than just a cheap quote. Here are some questions you should ask.

• Is auto insurance their primary focus in Los Angeles?
• Are they paid to recommend certain coverages?
• Do you work with a CSR or direct with the agent?
• Is the agency involved in supporting local community causes?
• Will their companies depreciate repairs to your car based on the mileage?
• Is their price quote a firm figure or are their hidden costs?

Get the best coverage at the best price

Affordable Lincoln MKS insurance in Los Angeles can be found on the web and with local Los Angeles insurance agents, so get free Los Angeles car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not provide rate quotes online and these small insurance companies provide coverage only through independent agents.

We covered many tips how you can shop for Lincoln MKS insurance online. The key concept to understand is the more price quotes you have, the better likelihood of getting affordable Los Angeles car insurance quotes. Consumers may even find the best price on auto insurance is with an unexpected company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

For more information, feel free to visit the following helpful articles:

• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Who Has Cheap Los Angeles Auto Insurance for College Graduates? (FAQ)
• Who Has Affordable Los Angeles Car Insurance Quotes for Active Military? (FAQ)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Auto Insurance Learning Center (State Farm)
• Avoiding Deer Collisions (Insurance Information Institute)