Insurance rates Lincoln MKZ in Fort WayneWant a free price quotes on cheaper Lincoln MKZ insurance in Fort Wayne? Are you at wits end from not being able to afford to pay car insurance each month? You have the same problem as most other drivers in Indiana.

Sad but true, almost 70% of insureds have been with the same company for over three years, and about 40% of consumers have never shopped around. Drivers in Fort Wayne could cut their rates by 55% a year just by comparing rates, but most undervalue how much savings they would realize if they replace their high priced policy. You have so many insurers to buy insurance from, and even though it's nice to have a choice, having more insurance companies makes it harder to find the best rates for Lincoln MKZ insurance in Fort Wayne.

You should make it a habit to shop coverage around quite often because insurance prices change regularly. Just because you found the best rates on Lincoln MKZ insurance in Fort Wayne a year ago you may be paying too much now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money on Lincoln MKZ insurance in Fort Wayne.

Affordable Fort Wayne auto insurance rates with discounts

Some companies do not advertise every possible discount in a way that's easy to find, so the following is a list of both the well known as well as some of the hidden credits available to you.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you could get a free auto insurance policy, you're out of luck.

To see a list of insurers that offer some of these discounts in Fort Wayne, click here to view.

How to get cheap Lincoln MKZ insurance in Fort Wayne, Indiana

Finding a lower price on insurance is actually quite simple. Just spend a few minutes comparing rates online from several insurance companies.

It's so simple to compare insurance rate quotes online makes it a waste of time to actually drive to different Fort Wayne agent offices. Comparing Lincoln MKZ insurance rates online eliminates the middleman unless you have a need for the personal advice only provided by licensed Fort Wayne agents. However, consumers can find lower rates online but have a local agent actually write the policy.

The auto insurance companies shown below can provide quotes in Fort Wayne, IN. If several companies are displayed, we recommend you visit several of them to get the best price comparison.

Lincoln MKZ Insurance Rate Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $172 $392 $358 $22 $108 $1,052 $88
MKZ AWD 4-Dr Sedan $268 $680 $384 $22 $114 $1,468 $122
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in specific location which can alter rates considerably.

Can higher deductibles save money?

The information below demonstrates how deductibles and can raise or lower Lincoln MKZ insurance costs for different insured age categories. The data is based on a single female driver, full coverage, and no discounts are taken into consideration.

Car insurance rates based on gender

The illustration below shows the difference between Lincoln MKZ insurance costs for male and female drivers. The premium estimates are based on no violations or accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Analysis of deductible levels

A question often asked by Fort Wayne drivers is at what level do you set your deductibles. The data tables below sum up the cost difference when you select higher and lower coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Lincoln MKZ insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $272 $592 $318 $18 $94 $1,319 $110
MKZ AWD 4-Dr Sedan $272 $592 $318 $18 $94 $1,319 $110
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Lincoln MKZ insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $200 $400 $318 $18 $94 $1,030 $86
MKZ AWD 4-Dr Sedan $200 $400 $318 $18 $94 $1,030 $86
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific Fort Wayne garaging location which can raise or lower prices noticeably.

Based on this data, using a $100 deductible will cost you approximately $24 more each month or $288 each year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 17 months between claims, you would more than likely save some money if you decide on a higher deductible.

Lower Your Fort Wayne Insurance Rates

Lots of factors are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but other criteria are less apparent like your continuous coverage or how financially stable you are.

The items below are a few of the "ingredients" used by your company to calculate your rates.

Marriage can save you money - Having a wife or husband actually saves money when shopping for auto insurance. It is viewed as being more stable financially and insurance companies reward insureds because being married results in fewer claims.

Lower premiums for safer cars - Vehicles that have high safety ratings get lower rates. These vehicles result in less severe injuries and lower rates of occupant injuries means less claims paid and more competitive rates for policyholders. If the Lincoln MKZ scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Liability limits on your policy - Liability coverage is the protection when you are ruled to be at fault for physical damage or personal injury to other. Your policy's liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Raise your physical damage deductibles for better premiums - Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Lincoln. A few examples of covered claims are a dented fender, damage caused by hail, and damage caused by flying debris. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if the claim is covered. The more you're willing to pay, the less money you will pay for auto insurance.

Add-on coverages push up rates - Insurance companies have many add-on coverages you can purchase if you aren't diligent. Coverage for things like personal injury protection, high-cost glass coverage, and extra equipment coverage may be wasting your money. They may seem like a good idea when buying your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

Driver age impacts costs - Youthful drivers in Indiana have been known to be easily distracted behind the wheel so they pay higher auto insurance rates. If you've ever had to add a teenage driver to your auto insurance policy can cause a big jump in price. More mature drivers tend to be more responsible, are lower risk to insure, and tend to be get fewer driving tickets.

Lincoln MKZ statistical loss data - Companies use past loss statistics for each vehicle to calculate a price that will offset losses. Vehicles that the data determines to have a trend towards higher claims will have higher rates. The table below shows the historical loss data for Lincoln MKZ vehicles.

For each coverage type, the loss probability for all vehicles as a whole equals 100. Values that are below 100 indicate a favorable loss history, while percentage numbers above 100 indicate more frequent losses or tendency to have larger claims.

Insurance Loss Ratings for Lincoln MKZ Vehicles

Vehicle 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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Shop online but buy locally

Some people prefer to talk to a local agent and doing so can bring peace of mind Experienced insurance agents are trained risk managers and help submit paperwork. The biggest benefit of getting online price quotes is the fact that drivers can get the lowest rates but still work with a licensed agent. And buying from local insurance agencies is important particularly in Fort Wayne.

Fort Wayne insurance agentsTo help locate an agent, after submitting this simple form, your insurance coverage information is transmitted to local insurance agents that can provide free Fort Wayne car insurance quotes for your business. It's much easier because you don't need to leave your house since price quotes are sent to you instantly. If you wish to get a comparison quote from one company in particular, you just need to go to their quote page to submit a rate quote request.

Best auto insurance agent in Fort Wayne

If you want a good insurance agency, it can be helpful to understand the different agency structures and how they operate. Agents in Fort Wayne are classified as either exclusive or independent (non-exclusive). Either one can insure your vehicles, but it's worth learning the differences because it may have an impact on buying decisions.

Independent Car Insurance Agencies

Agents of this type are not employed by any specific company so they can quote policies with a variety of different insurance companies and find the cheapest car insurance rates. If your agent finds better pricing, the business is moved internally without you having to go to a different agency.

When comparing car insurance prices, we recommend you get rate quotes from independent agents to get the most accurate price comparison.

Featured below is a list of independent agents in Fort Wayne that may be able to give comparison quotes.

7113 W Jefferson Blvd - Fort Wayne, IN 46804 - (260) 969-5613 - View Map

2420 Coliseum Blvd North, Suite 100 - Fort Wayne, IN 46805 - (260) 310-6018 - View Map

3711 Rupp Dr #103 - Fort Wayne, IN 46835 - (260) 436-9669 - View Map

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Exclusive Agents

These type of agents normally can only provide a single company's rates and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot place coverage with different providers so they have to upsell other benefits. Exclusive insurance agents are trained well on the products they sell which helps them sell insurance even at higher premiums.

Below is a list of exclusive agents in Fort Wayne willing to provide price quotes.

2810 Beaver Ave - Fort Wayne, IN 46807 - (260) 744-9798 - View Map

3017 E State Blvd - Fort Wayne, IN 46805 - (260) 483-6583 - View Map

5533 S Anthony Blvd - Fort Wayne, IN 46806 - (260) 447-1074 - View Map

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Choosing the best insurance agent requires you to look at more than just a cheap price. Any agent in Fort Wayne should be willing to answer these questions.

Insurance does more than just repair your car

Despite the high cost of buying insurance for a Lincoln MKZ in Fort Wayne, insurance is required for several reasons.

The benefits of insuring your MKZ definitely exceed the price paid, particularly when you have a large claim. According to a recent study, the average American driver overpays as much as $750 every year so compare rate quotes at every policy renewal to make sure the price is not too high.

Be persistent and save

Affordable Lincoln MKZ insurance in Fort Wayne can be purchased from both online companies in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not have internet price quotes and many times these smaller providers prefer to sell through independent insurance agencies.

When trying to cut insurance costs, never skimp on coverage in order to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

Additional information can be found at the links below