Would you like to buy low-cost Lincoln MKT insurance in Los Angeles? If you’re shopping for lower-priced insurance online, are you frustrated by the number of auto insurance companies in your area? California people have so many options that it can be a burden to find a more affordable company. If you live there, you know that Los Angeles is a good city to live in, but high auto insurance prices makes it impossible to be able to afford adequate auto insurance coverage limits.
Shockingly, the vast majority of auto insurance customers in California have been with the same company for a minimum of four years, and nearly the majority have never shopped around. Consumers in America can save hundreds of dollars each year just by getting comparison quotes, but most just don’t grasp how much money they would save if they switched to a more affordable policy.
Earn discounts on Los Angeles auto insurance
Some providers don’t always list every discount in a way that’s easy to find, so we break down a few of the more common and also the lesser-known credits available to lower your premiums when you buy Los Angeles auto insurance online.
- Passive Restraints and Air Bags – Options like air bags or automatic seat belts may earn rate discounts of 25 to 30%.
- Savings for New Vehicles – Insuring a vehicle that is new can save you some money because newer vehicles have to meet stringent safety requirements.
- Bundle and Save – If you can bundle your auto and homeowners insurance with one company you could save 10% to 20% off each policy.
- Employee of Federal Government – Having worked for a branch of the government could qualify for a slight premium decrease depending on your auto insurance provider.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
- Military Rewards – Being on active deployment in the military could mean lower prices.
- Smart Student Discounts – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
One thing to note about discounts is that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.
The diagram below illustrates the comparison of Lincoln MKT insurance rates with and without some available policy discounts. The premiums assume a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, marriage, multi-car, and safe-driver discounts applied.
If you would like to see a list of auto insurance companies who offer online Lincoln MKT insurance quotes in California, click here.
The best way we recommend to get policy rate comparisons for Lincoln MKT insurance in Los Angeles takes advantage of the fact car insurance companies provide online access to compare their rates. The one thing you need to do is provide the companies a bit of rating information such as how your vehicles are used, how much you drive, if the vehicle is leased, and driver details. Your rating data is then sent to multiple different insurance companies and they provide comparison quotes quickly.
To compare multiple company cheaper Lincoln MKT insurance rates now, click here and enter the information requested.
The companies shown below provide price quotes in Los Angeles, CA. If the list has multiple companies, we suggest you compare several of them to find the lowest auto insurance rates.
Insurance coverage analysis
The rate table displayed next covers estimates of coverage prices for Lincoln MKT models. Learning how insurance premiums are figured can help guide drivers when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKT 3.7 2WD | $348 | $546 | $500 | $30 | $150 | $1,574 | $131 |
| MKT 3.7 AWD | $384 | $630 | $500 | $30 | $150 | $1,694 | $141 |
| Get Your Own Customized Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in garaging location in Los Angeles which can raise or lower auto insurance rates considerably.
An analysis of deductible level
One frequently asked question is how high should the deductibles for physical damage be. The tables below outline the differences in price when you select higher and lower insurance deductibles. The first rate table uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKT 3.7 2WD | $478 | $810 | $500 | $30 | $150 | $1,993 | $166 |
| MKT 3.7 AWD | $528 | $932 | $500 | $30 | $150 | $2,165 | $180 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKT 3.7 2WD | $348 | $546 | $500 | $30 | $150 | $1,574 | $131 |
| MKT 3.7 AWD | $384 | $630 | $500 | $30 | $150 | $1,694 | $141 |
| Get Your Own Customized Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in zip code location which can lower or raise rates noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $37 more each month or $444 every year across all Lincoln MKT models than requesting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 11 months between claims, you would probably come out ahead if you choose a higher deductible.
The example below shows how choosing a deductible and can raise or lower Lincoln MKT insurance premiums for different age categories. The data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
Lincoln MKT liability rates compared to full coverage
The information below shows the comparison of Lincoln MKT car insurance costs with and without full coverage. The premiums assume no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no set guideline for excluding full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Lincoln MKT settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after you pay the deductible. If it’s costing you more than $200 a year for full coverage, then you might want to think about dropping full coverage.
There are some situations where removing full coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
Auto insurance quotes from local neighborhood Los Angeles car insurance agents
Many drivers still like to get professional advice from a licensed agent and we recommend doing that One of the great benefits of comparing rate quotes online is the fact that you can find cheap auto insurance quotes and still have a local agent.
To help locate an agent, after submitting this quick form, the quote information is emailed to insurance agents in Los Angeles that can provide free Los Angeles auto insurance quotes for your business. There is no need to contact any agents because prices are sent directly to you. You can find lower rates and work with a local agent. If for some reason you want to get a comparison quote from a specific insurance company, feel free to go to their quote page and complete a quote there.
Picking the best provider should include more criteria than just a cheap price quote. Agents should be asked these questions:
- Does the agency have a good rating with the Better Business Bureau?
- Will the agent help in case of a claim?
- Are there any discounts for paying up front?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is the agency covered by Errors and Omissions coverage?
- Do they feel the quoted coverages are adequate?
- Do they get extra compensation for selling add-on coverages?
- How much experience to they have in personal lines coverages?
Two different types of auto insurance agents
When researching a reliable agent, you should know the types of agencies that you can select. Auto insurance agents in Los Angeles can be described as either exclusive or independent agents depending on their company appointments.
Exclusive Auto Insurance Agencies
These agents have only one company to place business with like AAA, Allstate, State Farm, or Farmers Insurance. They are unable to shop your coverage around so keep that in mind. These agents are well trained on the products they sell which helps them compete with independent agents. Consumers often use the same exclusive agent mostly because of the brand instead of buying on price only.
Shown below are Los Angeles exclusive agencies who can help you get comparison quotes.
- Rodney Brown – State Farm Insurance Agent
7154 Melrose Ave – Los Angeles, CA 90046 – (323) 931-1466 – View Map - Daniel Williams – State Farm Insurance Agent
7944 W 3rd St – Los Angeles, CA 90048 – (323) 852-6868 – View Map - Julie Montenegro – State Farm Insurance Agent
5683 York Blvd – Los Angeles, CA 90042 – (323) 892-2880 – View Map
Independent Agencies or Brokers
Independent agencies often have affiliation with several companies and that enables them to quote your coverage with any number of different companies and get the cheapest rates. If they quote lower rates, your agent can just switch to a different company without you having to go to a different agency. If you need lower rates, you need to get insurance quotes from independent agents to get the best comparison. They often place coverage with different regional companies which could offer lower prices.
Shown below is a list of independent insurance agents in Los Angeles that are able to give comparison quotes.
- Solid Health Insurance Agency
11639 Chenault St – Los Angeles, CA 90049 – (310) 909-6135 – View Map - True Rate Insurance
2820 S Vermont Ave #1 – Los Angeles, CA 90007 – (323) 735-1600 – View Map - Sean Paul Insurance Agency
3101 Silver Lake Blvd – Los Angeles, CA 90039 – (323) 667-9180 – View Map
Find cheap rates by being thorough
Discount Lincoln MKT insurance in Los Angeles is attainable online and also from your neighborhood Los Angeles agents, so you need to shop Los Angeles auto insurance with both in order to have the best price selection to choose from. There are still a few companies who do not provide rates over the internet and many times these small insurance companies sell through local independent agencies.
We covered a lot of information how to reduce Lincoln MKT insurance premium rates online in Los Angeles. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even find the lowest priced car insurance comes from a small local company.
Insureds who switch companies do it for any number of reasons including unfair underwriting practices, delays in responding to claim requests, high prices and delays in paying claims. It doesn’t matter why you want to switch switching car insurance companies is actually quite simple.
Much more information about car insurance in California is located at these links:
- A Tree Fell on Your Car: Now What? (Allstate)
- How Much is Auto Insurance for Hybrid Vehicles in Los Angeles? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Rogue in Los Angeles? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with a DUI in Los Angeles? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Corolla in Los Angeles? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)
- Rental Car Insurance Tips (Insurance Information Institute)