Pricey Lincoln MKS insurance in Phoenix can bleed your personal savings and make it tough to pay other bills. Shopping your coverage around can save money and help to reduce premiums and put more money in your pocket.
Statistics show that most car insurance policyholders have stayed with the same insurance company for over three years, and virtually 40% of consumers have never compared rates to find affordable insurance. Many consumers in Phoenix can save 50% each year by just comparing rate quotes, but most undervalue how much savings they would realize if they switched to a cheaper policy.
Having so many options when it comes to car insurance, it is very difficult to choose the right car insurance provider.
Locating the best insurance company for you in Phoenix is not rocket science. If you’re already insured, you should be able to get lower rates using the ideas covered in this article. Although Arizona vehicle owners do need to know how companies calculate their prices because rates fluctuate considerably.
To get affordable Phoenix auto insurance quotes, there a variety of ways to compare rate quotes from different Phoenix insurance companies. The best method to find the cheapest Lincoln MKS insurance rates consists of obtaining rate quotes online.
Getting free rates online is quite simple, and it makes it obsolete to actually drive to each insurance agency near you. Buying insurance online eliminates the need for an insurance agent unless you require the guidance of a local agency. Some companies do allow you to get prices online but have a local agent actually write the policy.
When price shopping your coverage, comparing more quotes will improve the odds of getting the best price.
The companies in the list below are our best choices to provide quotes in Phoenix, AZ. If several companies are displayed, we recommend you visit several of them to find the most competitive car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKS AWD 4-Dr Sedan | $266 | $488 | $262 | $16 | $78 | $1,110 | $93 |
| MKS 4-Dr Sedan | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| MKS Ecoboost AWD 4-Dr Sedan | $308 | $700 | $268 | $16 | $80 | $1,372 | $114 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in zip code location which can influence prices greatly.
Full coverage or liability only
The chart below illustrates the difference between Lincoln MKS car insurance costs when comparing full coverage to liability only. The premiums assume no tickets, no at-fault accidents, $100 deductibles, single male driver, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no clear-cut formula of when to stop paying for full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s say your Lincoln MKS book value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your deductible. If premiums are more than $200 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.
You may need specialized car insurance coverage
When it comes to buying the right insurance coverage, there really isn’t a one size fits all plan. Your financial needs are unique so this has to be addressed.
For example, these questions may help highlight whether or not you would benefit from professional advice.
- Why do I need rental car insurance?
- At what point should I drop full coverage?
- What is an SR-22 filing?
- I have health insurance so do I need medical payments coverage?
- Am I covered if I crash into my own garage door?
- Where can I find DUI or SR-22 insurance?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Compare prices but still have a local Phoenix insurance agent
Some people still like to have an agent’s advice and that is OK! One of the best bonuses of comparing insurance online is that you can obtain cheap insurance quotes and still have an agent to talk to.
Once you complete this short form, the coverage information gets sent to local insurance agents in Phoenix that can give you free Phoenix auto insurance quotes for your insurance coverage. There is no need to visit any agencies because prices are sent to your email. You can most likely find cheaper rates without having to waste a lot of time. If you wish to compare prices from a particular provider, just find their quoting web page and fill out the quote form the provide.
Finding a good company is decision based upon more than just a cheap quote. These questions are important to ask:
- Are they in the agency full-time?
- If you raise deductibles, how much can you save?
- Are they involved in claim handling?
- Do they get extra compensation for selling add-on coverages?
- If independent agents, which companies do they recommend?
- Is there a local claims center in Phoenix?
- Is assistance available after office hours?
- Are aftermarket or OEM parts used to repair vehicles?
Pick the best car insurance agent in Phoenix for you
If you are wanting to find a local Phoenix insurance agent, it’s important to understand the different types of agencies and how they function. Insurance agents in Phoenix are considered either independent agents or exclusive agents.
Exclusive Insurance Agencies
Exclusive agents can usually just insure with one company such as Allstate and State Farm. They generally cannot provide rate quotes from other companies so you need to shop around if the rates are high. They receive extensive training in insurance sales which helps overcome the inability to quote other rates.
Below is a short list of exclusive agents in Phoenix that are able to give price quotes.
Lupita Fernandez – State Farm Insurance Agent
2610 W Baseline Rd Ste 116 – Phoenix, AZ 85041 – (602) 633-2088 – View Map
Allstate Insurance: David Vasquez
4151 W Bethany Home Rd a – Phoenix, AZ 85019 – (602) 841-1421 – View Map
Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map
Independent Insurance Agents
Independent insurance agents are not locked into one company so they can write business with any number of different companies and potentially find a lower price. If they find a lower price, your agent can switch companies and you don’t have to find a new agent. When comparing insurance prices, you definitely need to get insurance quotes from independent agents in order to have the best price comparison.
Shown below is a short list of independent insurance agents in Phoenix that are able to give rate quotes.
Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 – View Map
Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map
UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map