If you are a novice to online car insurance shopping, it's easy to be baffled by the vast number insurance agents and companies vying for business in Fort Wayne.

Insurance quote for Lincoln MKT in Fort WayneStatistics show that most consumers have purchased from the same company for more than four years, and practically 40% of car insurance customers have never compared rates to find affordable insurance. Fort Wayne drivers could save an average of nearly $700 each year by just comparing quotes, but they think it's difficult to compare rates online.

Consumers should take time to price shop coverage once or twice a year because prices trend upward over time. Despite the fact that you may have had the lowest rates on Lincoln MKT insurance in Fort Wayne two years ago other companies may now be cheaper. There are a lot of ways to save on MKT insurance out there, but I'm going to show you some excellent ideas to save money.

You may qualify for discounts for Lincoln MKT insurance in Fort Wayne

Companies offering auto insurance don't always advertise every possible discount in a way that's easy to find, so we took the time to find both well-publicized and the harder-to-find discounts that may be available.Save money with discounts

Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, insurance companies aren't that generous.

Popular insurance companies and their offered discounts are:

If you need cheaper Fort Wayne auto insurance quotes, ask every prospective company which discounts they offer. Some of the discounts discussed earlier may not be available in Fort Wayne. For a list of insurance companies that offer the discounts shown above in Indiana, click here to view.

The best way to compare car insurance rates for Lincoln MKT insurance in Fort Wayne is to know most larger insurance companies pay for the opportunity to give free rates quotes. To get started, all you need to do is provide a little information like your general credit rating, if the car is leased, if it has an alarm system, and which vehicles you own. That rating data is instantly submitted to all major companies and they return quotes very quickly.

To compare cheap Lincoln MKT insurance rates now, click here and enter your zip code.

The companies shown below can provide free rate quotes in Indiana. If more than one company is shown, we suggest you compare several of them to get the best price comparison.

Lincoln MKT Insurance Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKT 3.7 2WD $132 $230 $304 $18 $92 $776 $65
MKT 3.7 AWD $160 $306 $334 $20 $100 $920 $77
Get Your Own Custom Quote Go

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in vehicle location which can lower or raise premiums noticeably.

Policy deductibles

One frequently asked question is how high or low should comp and collision deductibles be. The comparisons below can help illustrate the rate differences when you choose different insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Lincoln MKT insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKT 3.7 2WD $272 $430 $318 $18 $94 $1,157 $96
MKT 3.7 AWD $300 $496 $318 $18 $94 $1,251 $104
Get Your Own Custom Quote Go
Lincoln MKT insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKT 3.7 2WD $168 $270 $318 $18 $94 $868 $72
MKT 3.7 AWD $186 $312 $318 $18 $94 $928 $77
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific garaging location which can revise prices substantially.

Based on the above data, using a $250 deductible costs roughly $25 more each month or $300 every year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 30 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Comparison of policy deductibles

The illustration below shows how choosing a deductible and can affect Lincoln MKT annual premium costs for each age group. The data assumes a single female driver, comp and collision included, and no other discounts are factored in.

Insurance rate increases from tickets or accidents

The example below illustrates how speeding tickets and accident claims increase Lincoln MKT premium costs for different insured age categories. The premiums are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

You are unique and your car insurance should be too

When choosing proper insurance coverage for your vehicles, there isn't really a best way to insure your cars. Each situation is unique and your car insurance should unique, too.Car insurance savings For instance, these questions could help you determine whether your personal situation will benefit from professional help.

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don't have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Exclusive or independent insurance agencies

A small number of people just want to talk to a local agent and doing so can bring peace of mind One of the benefits of comparing rate quotes online is the fact that drivers can get cheap car insurance quotes but still work with a licensed agent. Supporting local agencies is still important in Fort Wayne.

Fort Wayne insurance agentsOnce you complete this quick form, the quote information is immediately sent to local insurance agents that give free quotes and help you find cheaper coverage. It's much easier because you don't need to do any legwork since rate quotes are delivered to you. You can find lower rates without having to waste a lot of time. If you need to get a comparison quote from a specific company, you just need to go to their quote page and fill out their quote form.

If you're trying to find a reliable insurance agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agencies in Fort Wayne are either exclusive agents or independent agents.

Independent Agents

Agents of this type can quote rates with many companies so they can insure your vehicles with a variety of different insurance companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally and that require little work on your part. If you need cheaper car insurance rates, it's a good idea to include at a minimum one independent agency in order to compare the most rates. Most also write with smaller companies that may provide cheaper car insurance rates.

Featured below is a short list of independent agents in Fort Wayne who may be able to give you free car insurance rate quotes.

View more Fort Wayne agents

Exclusive Insurance Agents

Exclusive agencies can only provide pricing for a single company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to shop your coverage around so they are skilled at selling on more than just price. They are usually well trained on their company's products which helps them compete with independent agents. Many people purchase coverage from exclusives partially due to high brand loyalty instead of buying on price only.

The following are Fort Wayne exclusive agents that are able to give price quotes.

View more Fort Wayne agents

Picking an insurance agent requires more thought than just a cheap quote. Ask your prospective agent these questions:

Persistence is the key to affordable rates

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage only to regret they didn't purchase enough coverage. The goal is to buy a smart amount of coverage at the best cost while still protecting your assets.

You just learned many tips how you can lower your Lincoln MKT insurance prices in Fort Wayne. It's most important to understand that the more rate quotes you have, the better chance you'll have of finding the cheapest Lincoln MKT rate quotes. You may even discover the most savings is with some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive and GEICO.

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