Cheap Lincoln MKT Insurance in Phoenix

Being forced to pay for expensive car insurance premiums can bleed your funds and put the squeeze on your family’s finances. Comparing cost estimates is an excellent way to make ends meet.

Insurance for Lincoln MKTSadly, a large majority of drivers in Arizona kept buying from the same company for at least four years, and nearly 40% of drivers have never even shopped around for lower-cost coverage. Many consumers in the United States can cut their rates by nearly $850 a year by just comparing quotes, but they underestimate the actual amount they would save if they replace their high priced policy. Since consumers have many online and local companies to choose from, it is very difficult to choose the most cost effective company.

It is always a good idea to get comparison quotes at least once a year since insurance rates change frequently. Even if you got the best deal on Lincoln MKT insurance in Phoenix on your last policy you can probably find a better price now. Ignore everything you know about car insurance because you’re about to learn the quickest way to find better coverage on Lincoln MKT insurance in Phoenix at a better price.

Score discounts on Phoenix insurance

Some insurers don’t always advertise their entire list of discounts in an easy-to-find place, so the following is a list of some of the best known and also the more inconspicuous discounts that you can inquire about if you buy Phoenix car insurance online.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, insurance companies aren’t that generous. But any discount should help reduce the cost of your policy.

Large insurance companies and some of their more popular discounts are detailed below.

If you are trying to find the cheapest Lincoln MKT rate quotes, ask each company or agent which discounts you may be entitled to. Savings may not be available in Phoenix. To see a list of insurers that have a full spectrum of discounts in Arizona, click here.

Finding a better price on insurance is a great way to save money. All you need to do is spend a few minutes on the computer to compare rate quotes to discover which company has cheaper Phoenix car insurance quotes.

Doing online price quotes comparisons is so easy that it makes it obsolete to drive around to insurance agencies in your area. Buying insurance online makes this process obsolete unless you require the advice and guidance that only an agent can give. Drivers can comparison shop your insurance online but buy the policy through an agent.

The companies in the list below are ready to provide comparison quotes in Phoenix, AZ. If more than one company is shown, we recommend you compare several of them to find the cheapest auto insurance rates.

Lincoln MKT Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKT 3.7 2WD $266 $424 $348 $20 $104 $1,162 $97
MKT 3.7 AWD $276 $518 $356 $22 $106 $1,278 $107
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific location information which can alter coverage prices greatly.

Lincoln MKT insurance rates: Men versus women

The chart below illustrates the difference between Lincoln MKT insurance costs for male and female drivers. The data assumes no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Get rate quotes but work with a local neighborhood Phoenix car insurance agent

Some consumers still like to talk to an insurance agent and often times that is recommended Experienced insurance agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of getting online price quotes is the fact that drivers can get cheaper rates but still work with a licensed agent. Putting coverage with small agencies is especially important in Phoenix.

Phoenix insurance agentsOnce you complete this form (opens in new window), your coverage information is immediately sent to participating agents in Phoenix who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home since price quotes are sent immediately to your email address. If you have a need to get a rate quote from one company in particular, just navigate to their website and complete a quote there.

When researching a reputable insurance agent or broker, you must know there are a couple different types of agents and how they differ in how they can insure your vehicles. Auto insurance agencies can be described as either independent or exclusive depending on the company they work for. Either can write auto insurance policies, but it’s important to point out how they differ because it can impact your selection of an agent.

Independent Auto Insurance Agencies

Agents in the independent channel are appointed with more than one company so they can write business through many different auto insurance companies and find the cheapest rate. If your premiums go up, they simply move the coverage in-house and the insured can keep the same agent. When comparing rates, you need to get quotes from at least one independent agent for maximum quote selection.

The following is a small list of independent agents in Phoenix who may be able to give you free auto insurance rate quotes.

Independent Insurance Agents
333 E Flower StPhoenix, AZ 85012(602) 956-1851View Map

4411 N 19th AvePhoenix, AZ 85015(800) 972-1893View Map

7602 S Central AvePhoenix, AZ 85042(602) 276-0002View Map

View more Phoenix agents

Exclusive Auto Insurance Agencies

These agents have only one company to place business with like AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide prices from multiple companies so keep that in mind. Exclusive insurance agents are trained well on their company’s products which can be an advantage.

Below is a short list of exclusive insurance agents in Phoenix willing to provide comparison quotes.

Mary Parada – State Farm Insurance Agent
3414 W Bell RdPhoenix, AZ 85053(602) 942-9202View Map

4022 E Broadway Rd #106Phoenix, AZ 85040(602) 454-8570View Map

9303 N 7th St Ste 5Phoenix, AZ 85020(602) 371-0581View Map

View more Phoenix agents

Choosing the best insurance agency is decision based upon more than just the premium amount. Any agent in Phoenix should be willing to answer these questions.

Why car insurance is not optional

Even though Phoenix MKT insurance rates can get expensive, insurance serves an important purpose.

The benefits of having car insurance are without a doubt worth the cost, particularly if you ever have a claim. An average driver in America is overpaying more than $830 a year so it’s recommended you shop around every year to ensure rates are competitive.

Auto insurance policy coverages for a Lincoln MKT

Understanding the coverages of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

Comprehensive protection

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, a broken windshield, damage from flooding, a tree branch falling on your vehicle and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many Arizona drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for prosthetic devices, doctor visits, pain medications, nursing services and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance can cover damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/10 which means $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as emergency aid, bail bonds, legal defense fees, medical expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more coverage.

Collision insurance

This covers damage to your MKT caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a mailbox, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible on your MKT in order to get cheaper collision rates.

In conclusion

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

Discount Lincoln MKT insurance in Phoenix is available on the web as well as from insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer price quotes online and most of the time these small, regional companies prefer to sell through independent insurance agents.

To read more, feel free to browse the resources below: