Compare Lincoln MKZ Insurance Rates in Arlington

Insurance quote for Lincoln MKZ in ArlingtonEveryone knows that car insurance companies want to keep you from shopping around. Consumers who get comparison quotes once a year are highly likely to switch companies because there is a good probability of finding a lower rate. Remarkably, a study showed that people who compared prices once a year saved as much as $860 a year compared to drivers who never shopped around.

If finding low prices for insurance is your intention, learning how to get free comparison quotes and analyze insurance rates can save time and money.

The best way we recommend to get more affordable auto insurance rates is to regularly compare price quotes from providers who provide car insurance in Arlington.

  1. Try to learn a little about how your policy works and the modifications you can make to prevent high rates. Many factors that result in higher prices like high-risk driving behaviors and poor credit rating can be eliminated by making lifestyle changes or driving safer. Continue reading for more information to help keep rates affordable and find additional discounts.
  2. Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while agents who are independent can provide prices from many different companies.
  3. Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate and buy the policy, verify that coverage does not lapse between policies.

The most important part of this process is to try to compare the same liability limits and deductibles on each price quote and and to get prices from as many different insurance providers as possible. This ensures a level playing field and a thorough price selection.

If you are paying for car insurance now, you stand a good chance to be able to lower your rates using the ideas covered in this article. Locating the most cost-effective car insurance policy in Arlington can be made easier if you know where to look. But Texas car owners must comprehend the way insurance companies sell insurance online and apply this information to your search.

How Your MKZ Insurance Premiums are Determined

Multiple criteria are taken into consideration when you get a price on insurance. Some are obvious like a motor vehicle report, although others are not quite as obvious like where you live or how safe your car is. When buying insurance it’s important to understand some of the things that help calculate the rates you pay for insurance. If you have a feel for what controls the rates you pay, this enables informed choices that may result in lower premium levels.

Small claims can cost you – Auto insurance companies in Texas award discounts to insureds who only file infrequent claims. If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is designed for major claims that would cause financial hardship.

Gender is a factor – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that men are WORSE drivers than women. They both cause fender benders at about the same rate, but men get into accidents with more damage. In addition to higher claims, males also get higher numbers of serious violations such as reckless driving.

The information below compares Lincoln MKZ car insurance costs for male and female drivers. The information is based on a clean driving record, no claims, comp and collision included, $1,000 deductibles, single status, and no discounts are taken into consideration.

Qualify for multi-policy discounts – Many insurance companies afford lower prices for people who carry more than one policy, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you already get this discount, you may still want to compare other company rates to help ensure you have the lowest rates.

A car insurance policy lapse is a bad thing – Driving any period of time without insurance can get your license suspended and companies may charge more for letting your insurance expire. Not only will you pay higher rates, getting caught without coverage could result in a license revocation or jail time. You may then be required to submit proof of financial responsibility or a SR-22 with the Texas department of motor vehicles.

Low coverage deductibles cost more – Physical damage deductibles define the amount you are willing to pay before your insurance pays a claim. Protection for physical damage, also called ‘full coverage’, protects your car from damage. Some examples of covered claims would be collision with another vehicle, vandalism, and damage from wind. The larger the amount the insured is willing to pay, the better rate you will receive.

Stress out and pay more – Did you know your occupation can influence how much you pay for insurance? Careers such as military generals, business owners, and medical professionals generally have higher premium rates because of intense work requirements and long work hours. Other occupations such as scientists, students and homemakers get better rates.

High performance vehicles cost more to insure – The make and model of the car, truck or SUV you are insuring makes a significant difference in the rate you pay. The lowest premiums are for lower performance four cylinder passenger models, but other factors influence the final cost greatly.

The chart below is based on a single male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The chart compares Lincoln MKZ policy rates compared to other vehicles that have a range of risk factors.

Insurance loss data for a Lincoln MKZ – Insurers use data from past claims to help determine costs. Models that tend to have higher claim amounts or frequency will cost more for coverage.

The next table illustrates the historical insurance loss data for Lincoln MKZ vehicles. For each policy coverage, the claim probability for all vehicles, regardless of make or model, is set at 100. Numbers shown that are under 100 indicate a favorable loss history, while percentages above 100 point to more frequent losses or statistically larger losses.

Lincoln MKZ Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Lincoln MKZ 4dr 2WD 137 85 107 95 89 75
Lincoln MKZ 4dr 4WD 140 82 126 99
Lincoln MKZ Hybrid 4dr 148 84 100 74 82 76

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

When comparison shopping, making a lot of price comparisons helps improve the odds of finding more affordable insurance.

The providers in the list below are ready to provide free quotes in Texas. If multiple companies are listed, we suggest you get rate quotes from several of them to get the cheapest price.

Data for Lincoln MKZ insurance

The price information shown next outlines detailed analysis of insurance rates for Lincoln MKZ models. Learning how auto insurance policy rates are figured is important to be able to make decisions on the best policy to buy.

Lincoln MKZ Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $410 $988 $582 $34 $174 $2,188 $182
MKZ AWD 4-Dr Sedan $410 $988 $582 $34 $174 $2,188 $182
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in specific Arlington garaging location which can raise or lower price quotes greatly.

Physical damage deductibles

A question often asked by Arlington drivers is which deductibles should you choose. The tables below can help you visualize the price difference between low and high coverage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Lincoln MKZ insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $370 $804 $430 $26 $128 $1,783 $149
MKZ AWD 4-Dr Sedan $370 $804 $430 $26 $128 $1,783 $149
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Lincoln MKZ insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $206 $424 $430 $26 $128 $1,214 $101
MKZ AWD 4-Dr Sedan $206 $424 $430 $26 $128 $1,214 $101
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise prices considerably.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $48 more each month or $576 annually across all Lincoln MKZ models than quoting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 19 months between claims, you would more than likely save some money if you opt for a higher deductible. The illustration below shows a better example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $149
Average monthly premium for $1,000 deductibles (subtract): – $101
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One thing to be aware of is that increasing deductibles to save money means you will have to pay more of your own money if you have a claim. You should have enough extra money in the event you have to pay the deductible.

How careless driving impacts insurance rates

The information below demonstrates how speeding tickets and accident claims impact Lincoln MKZ yearly insurance costs for different categories of driver ages. The price estimates are based on a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Lincoln MKZ full coverage rates compared to liability only

The example below shows the comparison of Lincoln MKZ insurance prices when comparing full coverage to liability only. The information is based on no claims or driving violations, $100 deductibles, single marital status, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There is no exact rule that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Lincoln MKZ replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying the physical damage deductible. If you are paying more than $200 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some conditions where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Car insurance is an important decision

Despite the high insurance cost for a Lincoln MKZ in Arlington, car insurance may be required and benefits you in several ways.

The benefits of insuring your MKZ greatly outweigh the cost, especially when you need to use it. Despite what companies tell you, the average driver is wasting up to $865 each year so compare rates every year to help ensure money is not being wasted.

Cheaper Lincoln MKZ insurance quotes in Arlington

The cost of insuring your cars can be expensive, but there could be significant discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time you complete a quote, but some discounts are required to be specially asked for before they will apply. If you do not check that you are getting every discount you deserve, you are just wasting money.Discount car insurance

Please keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

The illustration below compares Lincoln MKZ car insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no claims or driving violations, Texas 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 multi-policy, marriage, homeowner, claim-free, safe-driver, and multi-car discounts applied.

If you would like to see a list of insurers that offer discounts in Arlington, follow this link.

Local neighborhood insurance agents

A lot of people prefer to buy from a licensed agent and that can be a great decision The biggest benefit of comparing auto insurance online is the fact that you can find cheap auto insurance quotes and still have a local agent.

To find an agent, once you fill out this simple form, the coverage information is submitted to insurance agents in Arlington that give free quotes for your business. There is no need to find an agent on your own since price quotes are sent to you. You can find lower rates AND a local agent. If you want to get a comparison quote from a specific auto insurance provider, you just need to find their quoting web page and complete a quote there.

Choosing the best company requires more thought than just the price. A good agent in Arlington will have answers to these questions.

Shown below is a short list of car insurance companies in Arlington that can give you rate quotes for Lincoln MKZ insurance in Arlington.

1818 E Abram StArlington, TX 76010(817) 460-3377View Map

4519 Matlock Rd Ste 131Arlington, TX 76018(817) 784-1815View Map

3000 S Cooper StArlington, TX 76015(817) 465-6292View Map

6027 Interstate 20 WArlington, TX 76017(817) 557-0100View Map

More Arlington agents

Quote more to save more

As you quote Arlington auto insurance, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where someone sacrificed full coverage and learned later that the small savings ended up costing them much more. Your objective should be to buy enough coverage at the best possible price while not skimping on critical coverages.

There are still a few companies who may not provide rate quotes online and many times these smaller providers only sell through local independent agencies. Cheaper car insurance in Arlington can be found on the web and from local insurance agents, and you should be comparing both in order to have the best chance of saving money.

Additional information can be found at these links: