Save on Lincoln MKZ Insurance in Kansas City

Insurance rates Lincoln MKZ in Kansas CityHow long have you put off shopping around for low-cost Lincoln MKZ insurance in Kansas City? Having to pay for expensive Lincoln MKZ insurance in Kansas City can draw down your accounts and force you to prioritize other expenses. Price shopping at each renewal is free and is an excellent way to tighten up your finances.

Unbelievable but true, a large majority of auto insurance policyholders renewed their policy with the same company for at least the last four years, and approximately 38% of consumers have never compared rate quotes at all. Kansas City insurance shoppers can cut their rates by roughly $323 a year by just comparing quotes, but they don’t understand how simple it is to compare rates and save money.

Steps to finding the cheapest rates for Lincoln MKZ insurance in Kansas City

Really, the only way to get more affordable Lincoln MKZ insurance in Kansas City is to compare prices once a year from different companies in Missouri. Price quotes can be compared by following these steps.

  1. Try to learn about how auto insurance works and the changes you can make to lower rates. Many risk factors that are responsible for high rates like tickets, at-fault accidents, and bad credit can be eliminated by making minor changes to your lifestyle.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes from multiple insurance companies.
  3. Compare the new rate quotes to your existing policy and see if you can save money. If you find better rates and change companies, make sure coverage is continuous and does not lapse.

The most important part of shopping around is that you use similar deductibles and liability limits on each quote and and to get rates from all possible companies. Doing this ensures the most accurate price comparison and a complete selection of prices.

Many car insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurer and get the best coverage at the lowest cost out there.

It’s a good habit to compare premium rates yearly since insurance prices tend to go up over time. Just because you found the lowest price on Lincoln MKZ insurance in Kansas City a few years ago you can probably find a better rate now. Ignore everything you know about auto insurance because we’re going to demonstrate the things you must know in order to properly buy coverages while reducing your premium.

Best Lincoln MKZ insurance rates in Missouri

The companies shown below offer free rate quotes in Missouri. To get the cheapest auto insurance in Kansas City, we suggest you visit several of them to get a more complete price comparison.

Rates and statistics

The information shown next highlights estimates of coverage costs for Lincoln MKZ models. Having insight into how insurance premiums are calculated is important for drivers to make decisions when choosing a new policy provider.

Lincoln MKZ Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $162 $390 $340 $20 $102 $1,014 $85
MKZ AWD 4-Dr Sedan $162 $390 $340 $20 $102 $1,014 $85
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Kansas City garaging location which can change auto insurance rates significantly.

Analysis of deductible levels

When buying auto insurance, a common question is what deductibles to buy. The premium rates below can help you visualize the rate difference when you select higher and lower physical damage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.

Lincoln MKZ insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $258 $562 $302 $18 $90 $1,255 $105
MKZ AWD 4-Dr Sedan $258 $562 $302 $18 $90 $1,255 $105
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Lincoln MKZ insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $188 $380 $302 $18 $90 $978 $82
MKZ AWD 4-Dr Sedan $188 $380 $302 $18 $90 $978 $82
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in garaging location in Kansas City which can modify premiums greatly.

Based on this data, using a $100 deductible would cost the average driver about $23 more each month or $276 for a full year than requesting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 17 months between claims, you would more than likely save some money if you opt for a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $105
Average monthly premium for $500 deductibles (subtract): – $82
Monthly savings from raising deductible: $23
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important caveat is that higher deductibles means you will have to cover more of the damage yourself when you have a claim. You must have enough disposable savings in the event you have to pay more to get your vehicle repaired.

The example below highlights how deductible selection and can affect Lincoln MKZ insurance premiums for different insured age categories. The data assumes a single female driver, comp and collision included, and no other discounts are factored in.

How to Lower Your Insurance Prices

Multiple criteria are used when pricing auto insurance. Most are fairly basic such as your driving record, although some other factors are more obscure like your vehicle usage or your financial responsibility.

The factors shown below are some of the things that factor into your rate level.

Lower your car insurance rates with discounts

Buying car insurance is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Certain credits will be shown at quote time, but less common discounts must be specifically requested before you will receive the discount.Cheaper car insurance with discounts

One last thing about discounts, most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, you’re out of luck.

The chart below compares Lincoln MKZ premium costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no violations or claims, Missouri state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, claim-free, safe-driver, and multi-policy discounts applied.

A list of car insurance companies and some of the discounts are shown below.

If you need cheaper Kansas City car insurance quotes, ask every insurance company to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in your state.

Insurance is available from your local insurance agencies

A lot of people still like to sit down and talk to an agent and that is a smart decision Professional agents can make sure you are properly covered and help file insurance claims. One of the great benefits of comparing insurance prices online is you may find cheaper car insurance rates but also keep your business local.

Kansas City insurance agentsTo help locate an agent, after submitting this form (opens in new window), your information is instantly submitted to agents in your area who want to provide quotes for your insurance coverage. You won’t need to search for an agent since rate quotes are delivered directly to your email. If you wish to quote rates for a specific company, you just need to find their quoting web page and fill out the quote form the provide.

Finding the right insurer needs to be determined by more than just a cheap price. Before buying a policy in Kansas City, get answers to these questions.

How to choose the best car insurance agent in Kansas City

If you want to use a local Kansas City insurance agency, there are two different types of agents and how they work. Kansas City agents can be categorized as either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it’s a good idea to understand the difference between them because it may have an impact on which agent you choose.

Exclusive Insurance Agencies

Exclusive agents are contracted to one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot compare other company’s rates so keep that in mind. Exclusive agents are trained well on sales techniques and that can be a competitive advantage.

Below are exclusive agencies in Kansas City that are able to give comparison quotes.

600 W 103rd St #206Kansas City, MO 64114(816) 943-6166View Map

3851 N Oak TrafficwayKansas City, MO 64116(816) 454-2152View Map

10201 N Oak Trafficway #400Kansas City, MO 64155(816) 420-0200View Map

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Independent Agencies or Brokers

Agents that choose to be independent are normally appointed by many insurers so they can quote policies amongst many companies and potentially find a lower price. If they quote lower rates, your agent can switch companies and you don’t have to find a new agent. If you are comparing rate quotes, you will want to get quotes from several independent agencies to get the most accurate price comparison.

Listed below is a list of independent agents in Kansas City willing to provide rate quotes.

Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345Kansas City, MO 64116(816) 390-4790View Map

5920 Wilson AveKansas City, MO 64123(816) 470-9050View Map

536 Benton BlvdKansas City, MO 64124(816) 920-5400View Map

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Auto insurance can be complex

When it comes to your policy for your personal vehicles, there isn’t really a cookie cutter policy. You are unique so this has to be addressed.Drive safe and save
These are some specific questions can aid in determining whether your personal situation may require specific advice.

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

In conclusion

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

Affordable Lincoln MKZ insurance in Kansas City can be sourced both online as well as from insurance agents, so get free Kansas City car insurance quotes from both of them in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and most of the time these smaller providers sell through independent agents.

We just showed you a lot of information how to compare Lincoln MKZ insurance prices in Kansas City. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a small local company. These companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

Steps to finding cheaper Lincoln MKZ insurance in Kansas City

The most effective way to find the cheapest price for Lincoln MKZ insurance in Kansas City is to begin comparing prices regularly from companies who provide auto insurance in Missouri. Drivers can shop around by following these steps.

  1. It will benefit you to learn about policy coverages and the modifications you can make to prevent rate increases. Many things that drive up the price such as speeding and a not-so-good credit rating can be eliminated by being financially responsible and driving safely.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can quote prices from many different companies.
  3. Compare the new quotes to your existing policy to see if you can save by switching companies. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide notification to your current company of your intention to cancel your current policy. Submit a down payment and signed policy application to your new agent or company. Immediately place the new proof of insurance certificate along with the vehicle’s registration papers.

The most important part of shopping around is that you’ll want to make sure you compare the same level of coverage on every price quote and and to get quotes from as many companies as feasibly possible. This provides an apples-to-apples comparison and a complete price analysis.

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