Finding the cheapest Phoenix Lincoln MKC insurance quotes on the internet can be rather difficult for drivers who are beginners to quoting and comparing prices on the internet. With a ridiculous number of online companies, how can Phoenix drivers have a chance to compare every one to find the best available price?
Shocking but true, a large majority of auto insurance policyholders in Arizona kept buying from the same company for a minimum of four years, and almost 40% of drivers have never compared rates from other carriers. U.S. insurance shoppers could save an average of about $860 each year by just comparing quotes, but they won’t spend time to compare rates and save money.
If you currently have car insurance, you stand a good chance to be able to find better prices using the ideas presented in this article. This article’s goal is to instruct you on the best way to buy inexpensive car insurance and how to save the most money. Nevertheless, Arizona car owners can benefit by having an understanding of the methods companies use to calculate your car insurance rates because it can help you find the best coverage.
When shopping for Lincoln MKC insurance in Phoenix there are multiple ways to get quotes from different Phoenix insurance companies. The simplest method to lower the rate you pay for insurance involves getting comparison quotes online. When quoting auto insurance, remember that getting more free quotes increases your odds of finding lower pricing.
The car insurance companies shown below have been selected to offer comparison quotes in Phoenix, AZ. If multiple companies are listed, we recommend you visit two to three different companies in order to get a fair rate comparison.
It may be expensive, but it’s not optional
Despite the high cost of buying insurance for a Lincoln MKC in Phoenix, insurance serves a purpose in several ways.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, more than likely the lender will force you to buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Lincoln for a lot more money and force you to reimburse them for the much more expensive policy.
- Insurance safeguards not only your car but also your financial assets. It will also provide coverage for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car greatly outweigh the cost, especially for larger claims. But the average driver in Arizona overpays more than $850 per year so shop around at every renewal to make sure the price is not too high.
You Can Change Your Insurance Premiums
A large part of saving on auto insurance is knowing the factors that help determine the level of your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that may reward you with lower rates. Lots of factors are taken into consideration when premium rates are determined. Some are obvious such as your driving history, although some other factors are more obscure like where you live and annual miles driven.
- Rates may be higher where you live – Residing in smaller towns and rural areas of the country has definite advantages when buying auto insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have much more traffic and longer commutes to work. More time commuting means more chances of being involved in an auto accident.
- Never let your auto insurance lapse – Allowing your coverage to lapse is a sure-fire way to increase your rates. Not only will you pay higher rates, the inability to provide proof of insurance may result in a license revocation or jail time. Then you may be required to file a SR-22 with the Arizona DMV.
- Insurance rates and vehicle performance – The performance level of the vehicle you drive makes a huge difference in your car insurance bill. Since the Lincoln MKC is a luxury crossover, rates will be substantially more than the average rate where you live in Phoenix. Small economy passenger models generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.
- Do you qualify for a multi-policy discount? – Most larger companies will award better rates to people that buy multiple policies in the form of a multi-policy discount. Even with this discount, it’s always a smart idea to shop around to ensure the best deal.There is a chance you can find better rates by buying from different companies
- Your spouse saves you money – Having a significant other can actually save you money on your policy. Having a spouse may mean you are more stable financially and insurance companies like that being married results in fewer claims.
- Your car’s features help determine prices – Owning a car with an alarm system can earn a premium discount. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
- Occupation stress can make you pay more – Occupational choices like military personnel, executives and emergency personnel are shown to have higher premiums than the average policyholder due to intense work requirements and lots of time spent away from family. Other careers such as actors, athletes and performers receive lower rates.
- Loss probability for a Lincoln MKC – Car insurance companies use past insurance losses to help calculate a profitable premium price. Vehicles that the data determines to have higher claim frequency or loss amount will have a higher cost to insure. The next table illustrates the loss history for Lincoln MKC vehicles.
For each coverage type, the claim amount for all vehicles averaged together is a value of 100. Numbers below 100 suggest losses that are better than average, while percentage values above 100 indicate higher probability of having a loss or larger claims.
Lincoln MKC Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Lincoln MKC 4dr 2WD 97 76 69 Lincoln MKC 4dr 4WD 99 68 72 82
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get cheaper rates with discounts
Car insurance is not an enjoyable expense, but you might find some hidden discounts that can help lower your rates. Most are applied when you quote, but a few need to be inquired about in order for you to get them.
- Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.
- Multiple Cars – Buying a policy with multiple cars or trucks on a single policy can get a discount on all vehicles.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up could cut 10% or more off the medical payments premium.
- Policy Bundle Discount – If you combine your homeowners and auto policies with one company you may save as much as 10 to 15 percent.
- Distant College Student Discount – Kids who live away from home at college and do not have a car could qualify for this discount.
One thing to note about discounts is that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.
Companies and a partial list of their discounts are outlined below.
- State Farm has savings for Drive Safe & Save, anti-theft, multiple autos, Steer Clear safe driver discount, accident-free, and defensive driving training.
- GEICO may offer discounts for seat belt use, anti-lock brakes, daytime running lights, membership and employees, federal employee, and defensive driver.
- Allstate policyholders can earn discounts including EZ pay plan discount, 55 and retired, auto/life discount, utility vehicle, and senior citizen.
- SAFECO has discounts for anti-lock brakes, homeowner, bundle discounts, drive less, anti-theft, safe driver, and accident prevention training.
- Farm Bureau discounts include multi-policy, 55 and retired, multi-vehicle, renewal discount, driver training, and good student.
- Progressive offers premium reductions for good student, multi-vehicle, homeowner, online quote discount, continuous coverage, and online signing.
- AAA may include discounts for AAA membership discount, education and occupation, pay-in-full, good driver, and multi-policy.
When getting a coverage quote, ask every company which credits you are entitled to. Discounts may not be offered in your state. To find providers with discount car insurance rates in Phoenix, follow this link.
Do I need special coverages?
Keep in mind that when it comes to choosing coverage online or from an agent for your vehicles, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that.
For example, these questions may help you determine if you might need an agent’s assistance.
- What is an adequate liability insurance limit?
- When should my teen driver be added to my policy?
- Why do I have to buy liability insurance?
- Where can I get insurance after a DUI in Arizona?
- Do I need to call my car insurance company before buying a new car?
- Do I have coverage for damage caused while driving under the influence?
- When should I not file a claim?
- Do I need PIP coverage since I have good health insurance?
- Am I covered if I have no license?
- Should I rate my vehicle as business use?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
Neighborhood agents and car insurance
Some consumers still prefer to sit down with an agent and often times that is recommended One of the best bonuses of price shopping on the web is the fact that drivers can get lower prices and still buy from a local agent.
For easy comparison, once you complete this simple form, your insurance data is immediately sent to insurance agents in Phoenix who will gladly provide quotes for your coverage. You won’t even need to contact any insurance agencies since rate quotes are delivered instantly to you. You can find lower rates without a big time investment. If you wish to get a price quote from a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.
Finding the right provider shouldn’t rely on just a low price. These are some questions you should get answers to.
- How will an accident affect your rates?
- Do they regularly work with personal auto policies in Phoenix?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the company use OEM repair parts?
- If you raise deductibles, how much can you save?
Below is a short list of car insurance companies in Phoenix willing to provide rate quotes for Lincoln MKC insurance in Phoenix.
- Lupita Fernandez – State Farm Insurance Agent
2610 W Baseline Rd Ste 116 – Phoenix, AZ 85041 – (602) 633-2088 – View Map
- Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map
- Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
- Marcella Busto – State Farm?? Insurance Agent
3401 N 32nd St B – Phoenix, AZ 85018 – (602) 955-5450 – View Map
Cheaper car insurance premiums are out there
Budget-conscious Lincoln MKC insurance is available both online and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies don’t offer internet price quotes and many times these small insurance companies only sell through independent agencies.
When trying to cut insurance costs, do not skimp on coverage in order to save money. There are too many instances where an insured cut liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.
Additional detailed information is located by following these links:
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Who Has Affordable Phoenix Car Insurance Rates for a Toyota Tundra? (FAQ)
- Who Has Affordable Phoenix Car Insurance Rates for a Toyota RAV4? (FAQ)
- How Much is Car Insurance for Uninsured Drivers in Phoenix? (FAQ)
- What Auto Insurance is Cheapest for a Hyundai Elantra in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance Quotes for Low Income Drivers? (FAQ)
- How Much are Phoenix Auto Insurance Rates for a Dodge Ram? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Quotes for Homeowners? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)
- Understanding Limits and Deductibles (Allstate)
- Property Damage Coverage (Liberty Mutual)