Lincoln MKZ Insurance Rate Quotes in Atlanta

Being forced to pay for overpriced auto insurance premiums can stress out your checking account and force you to make tough financial choices.

Unthinkable but true, nearly 70% of customers kept their coverage with the same auto insurance company for well over three years, and approximately 40% of consumers have never compared rates to find affordable insurance. Most drivers in America could save an average of nearly $859 each year by just shopping around, but most tend to underestimate the big savings they would realize if they changed companies.

You have so many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, so many choices can make it hard to compare rates for Lincoln MKZ insurance in Atlanta.

It’s a great practice to do price comparisons yearly because auto insurance prices change quite often. Just because you found the best price on Lincoln MKZ insurance in Atlanta a couple years back you will most likely find a better rate quote today. There are a lot of ways to save on MKZ insurance on the web, but in this article, you’re going to get some excellent ideas to buy auto insurance cheaper in Atlanta.

The are a couple different ways of comparing rate quotes from local Atlanta insurance companies. The easiest way to find affordable insurance rates involves getting comparison quotes online.

Comparing quotes online is fast and free, and it replaces the need to spend time driving to different Atlanta agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the professional assistance of an agent trained in personal lines coverage. You can, however, find lower rates online but have your policy serviced through an agent. When comparing insurance rates, know that having more price comparisons will enable you to find the best price. Some smaller insurers do not give online Atlanta MKZ insurance quotes, so it’s recommended that you also compare prices from them, too.

The following companies provide free quotes in Atlanta, GA. If more than one company is shown, we suggest you compare several of them to find the most affordable car insurance rates.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific garaging location which can impact auto insurance rates greatly.

Tickets and at-fault accidents raise rates

The information below highlights how speeding tickets and at-fault fender-benders drive up Lincoln MKZ car insurance costs for each age group. The information is based on a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Physical damage deductible comparison

The example below highlights how deductible choice and can impact Lincoln MKZ annual premium costs for different categories of driver ages. The premium estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.

Deductible analysis

One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The premium rates below highlight how much more rates are of buying low and high insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Information does not factor in specific location which can revise coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $19 more each month or $228 every year than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 13 months between claim filings, you would save money if you opt for a higher deductible.

Affordable rates by taking advantage of discounts

Car insurance companies don’t always advertise every available discount in a way that’s easy to find, so the list below gives a summary of some of the more common and also the lesser-known savings tricks you should be using when you buy Atlanta car insurance online.

• Theft Deterrent System – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Atlanta car insurance quote.
• Memberships – Being a member of a civic or occupational organization in Atlanta could qualify you for a break on your policy.
• Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save a little off the personal injury premium cost.
• Save with a New Car – Buying a new car instead of a used MKZ may earn a small discount since new vehicles are generally safer.
• Sign Online – Some companies give back up to $50 for buying your policy digitally online.
• Telematics Data – Insureds that choose to allow driving data submission to study their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free car insurance policy, that’s just not realistic. Any qualifying discounts should help lower your premiums.

Companies and some of their more popular discounts can be read below.

• State Farm offers discounts for anti-theft, accident-free, safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, passive restraint, and good driver.
• American Family has savings for defensive driver, multi-vehicle, air bags, mySafetyValet, accident-free, and Steer into Savings.
• AAA has discounts for AAA membership discount, good driver, multi-policy, pay-in-full, multi-car, anti-theft, and education and occupation.
• GEICO offers premium reductions for air bags, seat belt use, good student, five-year accident-free, and federal employee.
• Mercury Insurance offers discounts including multi-policy, low natural disaster claims, good student, good driver, ease of repair, location of vehicle, and multi-car.
• Farmers Insurance policyholders can earn discounts including pay in full, distant student, youthful driver, bundle discounts, good student, business and professional, and multi-car.
• Progressive may offer discounts for homeowner, multi-policy, online signing, continuous coverage, good student, and multi-vehicle.

When quoting, ask each company or agent which discounts you qualify for. All car insurance discounts might not be offered on policies everywhere.

Compare rate quotes but buy from a local Atlanta insurance agency

Certain consumers still like to sit down and talk to an agent and doing that can be a smart decision One of the benefits of price shopping on the web is the fact that you can find the lowest rates and still choose a local agent. And buying from local agents is especially important in Atlanta.

To help locate an agent, after submitting this quick form, your information is sent to local insurance agents in Atlanta that can give you free Atlanta car insurance quotes for your insurance coverage. It makes it easy because there is no need to drive around because quoted prices will be sent immediately to you. You can find lower rates AND a local agent. If you wish to compare prices from a specific insurance company, you can always go to their quote page and complete a quote there.

Pick the best auto insurance agent in Atlanta for you

When researching a reliable agent, it can be helpful to understand the types of agencies that you can select. Insurance policy providers can either be independent agents or exclusive agents.

Independent Insurance Agents (or Brokers)

Independent agents do not write with just one company and that gives them the ability to insure with many different companies and help determine which has the cheapest rates. If you are not satisfied with one company, the agent simply finds a different carrier which requires no work on your part.

When searching for an agent, we recommend you include independent agents to get the most accurate price comparison.

Below are independent agencies in Atlanta who can help you get pricing information.

View more Atlanta agents

Exclusive Insurance Agencies

Exclusive agencies generally can only insure with one company like Farmers Insurance and State Farm. Exclusive agencies are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents receive extensive training in insurance sales and that can be a competitive advantage.

Shown below are exclusive insurance agencies in Atlanta that are able to give price quotes.

View more Atlanta agents

Choosing an car insurance agent should depend on more than just the quoted price. You should also get answers to these questions.

• By raising physical damage deductibles, how much would you save?
• Will you work with the agent or an assistant?
• Are there any discounts for paying up front?
• Are they paid to recommend certain coverages?
• Will they give you a referral list?
• Do they specialize in personal lines coverage in Atlanta?
• Will a damage claim use OEM or aftermarket replacement parts?

Auto insurance is unique, just like you

When it comes to buying coverage online or from an agent for your vehicles, there really is no one-size-fits-all type of policy. You are unique.

For example, these questions could help you determine if your situation might need an agent’s assistance.

• Who does medical payments coverage extend to?
• When should my teen driver be added to my policy?
• What is an SR-22 filing?
• What is the difference between comprehensive and collision coverage?
• Is water damage covered by my policy?
• How does medical payments coverage work?
• Does insurance cover tools stolen from my truck?
• Do I have coverage if my license is suspended?
• How much liability coverage do I need in Georgia?
• How much will a speeding ticket raise my rates?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

How Car Insurance Companies Calculate Lincoln MKZ Insurance Prices

An important part of buying insurance is that you know a few of the rating criteria that are used to determine the rates you pay for auto insurance. If you know what controls the rates you pay, this empowers consumers to make smart changes that can earn you big savings. Lots of things are part of the equation when premium rates are determined. Most are fairly basic such as your driving record, but some are more transparent such as whether you are married and annual miles driven.

Driving citations will cost you – Even a single moving violation may cause rates to rise substantially. Good drivers receive lower rates than bad drivers. Drivers with license-revoking violations such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

Safety ratings are a factor – Vehicles with good safety scores are cheaper to insure. Safe vehicles protect occupants better and reduced instances of injuries means lower claim amounts and cheaper rates on your policy. If your Lincoln earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

The type of car makes a difference – The type of vehicle you drive makes a significant difference in your rates. The most favorable rates will generally be found on lower cost passenger models, but the cost you end up paying is determined by many additional factors. Since the Lincoln MKZ is considered a luxury sedan, insuring your vehicle will cost more than the average rate where you live in Atlanta.

Older drivers save more – Older people have been proven to be more responsible, cause fewer claims and accidents, and get fewer tickets.Young drivers are known to be inattentive and easily distracted behind the wheel so they pay higher auto insurance rates.

Loss probability for a Lincoln MKZ – Insurance companies take into consideration historical loss data for every vehicle in order to profitably underwrite each model. Vehicles that the data determines to have higher losses will have higher rates. The next table shows the actual insurance loss data for Lincoln MKZ vehicles.

For each type of coverage, the claim probability for all vehicles, as an average, is a value of 100. Percentage values below 100 are indicative of better than average losses, while percentage numbers above 100 point to more claims or an increased chance of a larger loss.

Why you need insurance for your Lincoln MKZ

Despite the fact that auto insurance is not cheap in Atlanta, buying auto insurance is most likely required but also gives you several important benefits.

• The majority of states have compulsory liability insurance requirements which means you are required to carry specific limits of liability coverage in order to drive the car legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your vehicle, almost all lenders will stipulate that you carry insurance to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the lender will be forced to insure your Lincoln at a significantly higher premium and require you to fork over for it.
• Auto insurance protects your car and your assets. It will also reimburse you for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. According to a recent study, the average American driver overpays more than $865 each year so we recommend shopping around at least once a year to help ensure money is not being wasted.

Cheaper car insurance rates are out there

People switch companies for a variety of reasons including high rates after DUI convictions, poor customer service, being labeled a high risk driver and even high prices. Regardless of your reason, finding the right car insurance provider is easier than you think.

When shopping online for car insurance, it’s not a good idea to buy less coverage just to save a little money. In too many instances, someone sacrificed collision coverage and discovered at claim time they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

We just presented many ideas to shop for Lincoln MKZ insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even discover the best price on car insurance is with an unexpected company.

Other resources

• Cellphones, Texting and Driving (iihs.org)
• How Much are Auto Insurance Quotes for Inexperienced Drivers in Atlanta? (FAQ)
• How Much are Atlanta Car Insurance Rates for Low Income Drivers? (FAQ)
• Bodily Injury Coverage (Liberty Mutual)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)