Insurance rates Lincoln MKZ in EvansvilleHave you had enough of wondering where the money will come from to insure your Lincoln every month? Your situation is no different than most other vehicle owners in Indiana.

Shockingly, about 70% of customers have bought insurance from the same company for a minimum of four years, and 38% of drivers have never compared rates to find cheap insurance. Most drivers in Indiana can save hundreds of dollars each year by just shopping around, but most tend to underestimate the rate savings if they just switched companies.

Vehicle owners have so many car insurance companies to choose from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates and cut insurance costs.

Consumers should take time to compare prices yearly because insurance prices trend upward over time. Despite the fact that you may have had the lowest rates on Lincoln MKZ insurance in Evansville on your last policy there is a good chance you can find better premium rates now. Don't believe everything you read about MKZ insurance on the internet, but you can learn some good information on how to lower your insurance premiums.

Best Lincoln MKZ insurance price quotes in Indiana

The companies in the list below offer comparison quotes in Evansville, IN. If several companies are displayed, it's a good idea that you compare several of them in order to get a fair rate comparison.

Lincoln MKZ Insurance Cost Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $222 $456 $326 $20 $98 $1,122 $94
MKZ AWD 4-Dr Sedan $244 $496 $318 $18 $94 $1,170 $98
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in your specific Evansville location which can raise or lower prices significantly.

How high should deductibles be?

The diagram below shows how choosing a deductible and can raise or lower Lincoln MKZ insurance costs for each different age group. Data assumes a married male driver, full coverage, and no discounts are taken into consideration.

Choosing deductibles

When buying car insurance, a common question is which deductibles should you choose. The premium rates below highlight the rate fluctuation when you choose different coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Lincoln MKZ insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $244 $496 $318 $18 $94 $1,195 $100
MKZ AWD 4-Dr Sedan $244 $496 $318 $18 $94 $1,195 $100
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Lincoln MKZ insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $152 $312 $318 $18 $94 $894 $75
MKZ AWD 4-Dr Sedan $152 $312 $318 $18 $94 $894 $75
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Table data does not factor in zip code location which can revise coverage rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $25 more each month or $300 annually than quoting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 30 months between claim filings, you would probably come out ahead if you elect the higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

Car insurance rates by age and gender

The chart below shows the comparison of Lincoln MKZ car insurance costs for male and female drivers. The rate quotes are based on no claims or driving violations, comp and collision included, $100 deductibles, single marital status, and no discounts are factored in.

Discounts can help lower premiums on Lincoln MKZ insurance in Evansville

Some insurers don't list every discount they offer in a way that's easy to find, so the following list contains some of the more common as well as the least known auto insurance savings.Cheaper auto insurance with discounts

As a sidenote, most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it's just not the way it works. Any qualifying discounts will help reduce the amount you have to pay.

A list of auto insurance companies and a selection of discounts are outlined below.

If you need lower rates, check with each company or agent which discounts you may be entitled to. Discounts might not be offered on policies in Evansville.

What Determines Lincoln MKZ Insurance Rates?

Many different elements are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other factors are less obvious like where you live or how financially stable you are.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your rate level.

Different people need different auto insurance coverages

When selecting coverage online or from an agent, there really is not a "best" method to buy coverage. Everyone's needs are different and your auto insurance should unique, too.Drive safe and save These are some specific questions could help you determine if your insurance needs could use an agent's help.

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Get rate quotes but work with a local Evansville insurance agent

Many drivers would prefer to buy from a licensed agent and there is nothing wrong with that. The best thing about getting free rate quotes online is that you can obtain lower premium rates but also keep your business local.

Evansville insurance agentsUpon completion of this form (opens in new window), your coverage information is transmitted to insurance agents in Evansville who will give you quotes to get your business. It simplifies rate comparisons since you won't have to do any legwork since rate quotes are delivered to your email. You can find better rates without the usual hassles of price shopping. If for some reason you want to compare prices from a specific company, just find their quoting web page and submit a quote form there.

Finding the right company should include more criteria than just a cheap price. Here are some questions to ask:

The different types of car insurance agents

When finding a local Evansville insurance agency, it helps to know the two different agency structures and how they are distinctly different. Agents may be either exclusive agents or independent agents.

Exclusive Auto Insurance Agencies

Agents in the exclusive channel are contracted to one company and examples are American Family, State Farm, and Allstate. They usually cannot compare rates from other companies so they really need to provide good service. These agents are usually quite knowledgeable on their products and sales techniques which helps offset the inability to provide other markets.

Listed below are exclusive agents in Evansville willing to provide price quote information.

556 S Green River Rd - Evansville, IN 47715 - (812) 477-9020 - View Map

201 E Diamond Ave - Evansville, IN 47711 - (812) 422-8122 - View Map

Manuel Ramirez - State Farm Insurance Agent
4709 Theater Dr - Evansville, IN 47715 - (812) 477-8882 - View Map

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Independent Auto Insurance Agencies

Agents that elect to be independent often have affiliation with several companies and that is an advantage because they can write policies with multiple insurance companies enabling the ability to shop coverage around. If your premiums go up, they simply move your policy to a different company and you stay with the same agent. When shopping rates, it's recommended you get several quotes from a few independent agents to get the best comparison.

Below is a list of independent insurance agencies in Evansville that are able to give comparison quotes.

32 N Weinbach Ave - Evansville, IN 47711 - (812) 479-8651 - View Map

1919 W Franklin St - Evansville, IN 47712 - (812) 437-3933 - View Map

1133 W Mill Rd #201b - Evansville, IN 47710 - (812) 205-2500 - View Map

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You can find affordable coverage

You just read some good ideas how to shop for Lincoln MKZ insurance online. The key concept to understand is the more quotes you get, the higher your chance of finding inexpensive Evansville car insurance quotes. You may even be surprised to find that the best price on auto insurance is with a small local company. They can often provide lower prices in certain areas than their larger competitors like Allstate, GEICO and Progressive.

The cheapest Lincoln MKZ insurance in Evansville is definitely available online in addition to local insurance agencies, so you need to quote Evansville car insurance with both to have the best selection. Some companies may not have the ability to get a quote online and most of the time these small insurance companies only sell through independent insurance agencies.

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