Want to learn a better way to compare the cheapest insurance rates in Atlanta, GA? Atlanta consumers have options when looking for the best price on Lincoln MKT insurance. They can either spend hours driving around getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance so you’re going to learn the absolute fastest way to price shop coverage for your Lincoln and get the lowest price.
It’s smart to get comparison quotes at least once a year because insurance prices trend upward over time. Just because you had the best rates on Lincoln MKT insurance in Atlanta two years ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the only way to properly buy coverages while reducing your premium.
Finding the cheapest car insurance coverage in Atlanta can initially seem challenging. If you have a policy now, you will surely be able to find better prices using these methods. Smart shoppers just need to use the proper way to shop their coverage around over the internet.
Get cheaper rates by taking advantage of discounts
Some insurers do not advertise every policy discount in an easy-to-find place, so we break down some of the best known and also the more inconspicuous savings tricks you should be using when you buy Atlanta car insurance online.
- Online Discount – A few larger online companies may give you up to $50 for buying a policy and signing up over the internet.
- Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
- Driver’s Ed – Require your teen driver to take driver’s ed class as it can save substantially.
- First Accident Forgiveness – Not really a discount, but certain companies will allow you to have one accident without raising rates if you are claim-free for a specific time period.
- No Claims – Good drivers with no accidents have much lower rates as compared to bad drivers.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
Some of the insurance companies that possibly offer most of the discounts above may include but are not limited to:
Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not apply in every state. To find insurance companies with significant discounts in Georgia, click here to view.
How to shop Lincoln MKT insurance online
The companies shown below can provide free rate quotes in Atlanta, GA. If multiple companies are shown, we suggest you compare several of them to find the cheapest auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKT 3.7 2WD | $382 | $604 | $444 | $26 | $134 | $1,590 | $133 |
| MKT 3.7 AWD | $224 | $450 | $502 | $30 | $150 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location which can revise premiums greatly.
Lincoln MKT liability rates compared to full coverage
The example below illustrates the comparison of Lincoln MKT car insurance rates with full physical damage coverage and with liability coverage only. The price estimates are based on no accidents, no driving violations, $100 deductibles, married female driver, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no clear-cut rule of when to phase out full coverage, but there is a general convention. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Lincoln MKT replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your policy deductible. If it’s costing you more than $800 annually to have full coverage, then it might be time to buy liability only.
There are a few cases where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
An analysis of deductible level
The information below demonstrates how deductibles and can change Lincoln MKT insurance rates for different insured age categories. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Can’t I get rate quotes from local Atlanta auto insurance agents?
Some consumers prefer to go talk to an agent and that is a smart decision Agents are trained risk managers and help file insurance claims. A nice benefit of comparing insurance prices online is that you can find lower rates and still have an agent to talk to.
By using this form (opens in new window), your insurance coverage information is transmitted to companies in Atlanta that give free quotes to get your business. There is no reason to leave your house due to the fact that quote results will go to you directly. If you wish to get a price quote from a particular provider, you can always find their quoting web page and submit a quote form there.
Picking an provider needs to be determined by more than just the price. Before buying a policy in Atlanta, get answers to these questions.
- Are there any extra charges for paying monthly?
- How long have they been in business?
- Do they have 24-hour customer assistance?
- Will your rates increase after a single accident?
- Are they full-time agents?
- Does the company use OEM repair parts?
- Do the agents have professional certifications like CPCU or CIC?
Below are agents in Atlanta that are able to give comparison quotes for Lincoln MKT insurance in Atlanta.
- Traci McCrory – State Farm Insurance Agent
1526 E Forrest Ave #250 – Atlanta, GA 30344 – (678) 539-8623 – View Map - Clyde Hill Jr – State Farm Insurance Agent
3041 N E Expy – Atlanta, GA 30341 – (770) 452-1485 – View Map - Carter Nicholson – State Farm Insurance Agent
3040 Briarcliff Rd NE c – Atlanta, GA 30329 – (404) 748-9739 – View Map - Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map
You can lower your auto insurance rates
As you quote Atlanta car insurance, it’s very important that you do not reduce needed coverages to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best possible price while not skimping on critical coverages.
Cheaper auto insurance in Atlanta can be found both online as well as from independent agents in Atlanta, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer price quotes online and most of the time these small, regional companies work with independent agents.
Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, policy cancellation, lack of trust in their agent or even unfair underwriting practices. No matter why you want to switch, finding a new company can be less work than you think.
Helpful articles
- Insurance Losses by Make and Model (iihs.org)
- Who Has Cheap Car Insurance Rates for a Company Car in Atlanta? (FAQ)
- Who Has Cheap Car Insurance for High Mileage Drivers in Atlanta? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Winter Driving (Insurance Information Institute)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Understanding Limits and Deductibles (Allstate)