Getting the most affordable Pittsburgh Lincoln MKS insurance quotes on the internet can seem to be challenging for vehicle owners that are not comfortable with quoting and comparing prices over the internet. With so many online companies, how can anyone have time to compare every one to find the best available price?
Surprisingly, a recent survey revealed that most car insurance policyholders renewed their policy with the same company for at least four years, and virtually 40% of consumers have never shopped around. Pennsylvania drivers can save hundreds of dollars each year by just shopping around, but they don’t know the rate savings if they changed companies.
You should take the time to price shop coverage quite often because prices are usually higher with each renewal. Despite the fact that you may have had the best rate on Lincoln MKS insurance in Pittsburgh a year ago there is a good chance you can find better premium rates now. You can find a lot of misleading information regarding MKS insurance out there, but in just a couple of minutes you can learn some great ways to slash your car insurance rates in Pittsburgh.
Companies offering cheap Lincoln MKS rates in Pittsburgh, PA
The companies shown below provide free rate quotes in Pennsylvania. If you want to find the best cheap car insurance in Pittsburgh, PA, we recommend you visit as many as you can to get the best price comparison.
Car insurance analysis for a Lincoln MKS
The information below outlines estimates of insurance rates for Lincoln MKS models. Having a good grasp of how insurance premiums are calculated can benefit drivers when making smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|MKS AWD 4-Dr Sedan||$308||$658||$364||$22||$108||$1,460||$122|
|MKS 4-Dr Sedan||$308||$658||$364||$22||$108||$1,460||$122|
|MKS Ecoboost AWD 4-Dr Sedan||$338||$744||$364||$22||$108||$1,576||$131|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in specific Pittsburgh garaging location which can influence premiums substantially.
Rate comparison of full coverage and liability-only
The diagram below visualizes the comparison of Lincoln MKS car insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no definitive formula for dropping physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full 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 pretend your Lincoln MKS book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying the physical damage deductible. If premium cost is more than $400 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are a few situations where only buying liability is not recommended. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Take advantage of these discounts on Lincoln MKS insurance in Pittsburgh
Car insurance can cost a lot, but there’s a good chance there are discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but a few must be asked for before they will apply.
- Auto/Home Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
- Telematics Discount – Insureds that choose to allow their insurance company to monitor their driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
- Paper-free Discount – A few companies may give you up to $50 for signing up online.
- Buy New and Save – Insuring a vehicle that is new can cost up to 25% less due to better safety requirements for new model year vehicles.
- Safe Drivers – Drivers who don’t get into accidents can save as much as half off their rates than their less cautious counterparts.
- Mature Driver Discount – Mature drivers may qualify for reduced rates.
- Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.
- Use Seat Belts – Drivers who require all occupants to fasten their seat belts can save 10% or more off the personal injury premium cost.
- Accident Forgiveness – Not really a discount, but some insurance companies permit an accident before they charge you more for coverage if your claims history is clear for a particular time prior to the accident.
Don’t be surprised that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, it’s just not the way it works.
The diagram below illustrates the difference between Lincoln MKS insurance costs with and without some available policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-car, marriage, and multi-policy discounts applied.
A list of car insurance companies and some of the discounts are outlined below.
- State Farm offers premium reductions for defensive driving training, good driver, anti-theft, Steer Clear safe driver discount, and Drive Safe & Save.
- Esurance has savings for homeowner, anti-theft, good driver, defensive driver, renters, safety device, and online quote.
- Progressive may include discounts for homeowner, continuous coverage, multi-vehicle, online signing, good student, multi-policy, and online quote discount.
- Liberty Mutual offers discounts including multi-car, safety features, newly married, good student, and hybrid vehicle.
- Auto-Owners Insurance has discounts for safe driver, anti-lock brakes, good student, anti-theft, paperless, mature driver, and multiple vehicles.
- GEICO may have discounts that include good student, defensive driver, seat belt use, federal employee, five-year accident-free, and membership and employees.
When getting free Pittsburgh car insurance quotes, it’s a good idea to every company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area.
Why Smart Consumers Pay Less for Lincoln MKS Insurance
Smart consumers have a good feel for a few of the rating criteria that help calculate your premiums. If you understand what influences your rates, this empowers consumers to make smart changes that may result in big savings.
The following are most of the major factors used by insurance companies to determine your rate level.
Tickets are costly – Getting just one moving violation could increase your next policy renewal by twenty percent. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to complete a SR-22 with their state in order to drive a vehicle legally.
The illustration below illustrates how violations and at-fault fender-benders can influence Lincoln MKS insurance rates for different ages of insureds. The premiums are based on a married male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
Expect high rates for teens – More mature drivers are more cautious drivers, tend to cause fewer accidents, and are generally more financially stable. Drivers with little experience tend to get distracted easily with other occupants in the car so car insurance rates are higher.
The following data assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Policy add-ons add up – There are quite a few optional add-on coverages that sound like a good idea at the time but may not be useful. Insurance for things like coverage for rental cars, high-cost glass coverage, and extra life insurance coverage are examples of these. They may sound like good ideas when deciding what coverages you need, but if you have no use for them eliminate them to save money.
Liability insurance is important – Liability coverage will protect you in the event that you are responsible for causing personal injury or damage in an accident. It provides legal defense coverage which can cost a lot. This coverage is very inexpensive as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
Low credit rating equals high rates – Credit score can be a huge factor in determining your rates. Insureds with very high credit ratings tend to file fewer claims than those with poor credit. So if your credit history is not that good, you may save money insuring your Lincoln MKS by improving your rating.
Insurance loss data for a Lincoln MKS – Insurance companies analyze past claim statistics to calculate a price that offsets possible losses. Models that tend to have higher prevalence or dollar amount of losses will be charged more to insure.
The table below illustrates the collected loss data for Lincoln MKS vehicles. For each policy coverage type, the loss probability for all vehicles compiled together is represented as 100. Percentage values below 100 indicate better than average losses, while percentage values above 100 indicate frequent claims or an increased likelihood of larger losses.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Lincoln MKS 4dr 2WD||121||90||140||78||103|
|Lincoln MKS 4dr 4WD||135||89||204||89|
|Lincoln MKS Ecoboost 4dr 4WD||139||93||153||87|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance is unique, just like you
When it comes to choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply.
These are some specific questions may help you determine if you could use an agent’s help.
- Should I rate my vehicle as business use?
- Is business equipment covered while in my vehicle?
- Will my rates increase for filing one claim?
- How much liability insurance is required?
- Is my state a no-fault state?
- Is my Lincoln MKS covered for smoke damage?
- Is a driver training discount available?
- What if an uninsured driver hits me?
- Are split liability limits better than a combined single limit?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.
Get rate quotes but buy from a local neighborhood Pittsburgh car insurance agent
Many drivers would prefer to sit down and talk to an agent. One of the great benefits of getting online price quotes is that drivers can save money and get cheap car insurance rates and also buy local. Supporting small agencies is still important in Pittsburgh.
To find an agent, once you fill out this form (opens in new window), your information is submitted to local insurance agents in Pittsburgh that provide free Pittsburgh car insurance quotes for your business. It makes it easy because there is no need to search for an agent because prices are sent directly to you. You’ll get the best rates without requiring a lot of work. If you have a need to compare rates from a particular provider, you just need to visit that company’s website and complete a quote there.
What type of Pittsburgh auto insurance agent is right for you?
If you’re trying to find a local Pittsburgh insurance agent, you must know there are a couple types of agencies and how they can service your needs differently. Car insurance agencies may be either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents (or Brokers)
Independent insurance agents often have affiliation with several companies so they can quote policies with a variety of different insurance companies and potentially find a lower price. If they find a lower price, the business is moved internally and that require little work on your part.
When shopping rates, you definitely need to get rate quotes from several independent agencies to get the most accurate price comparison. They also have the ability to place coverage with companies you’ve never heard of that may have much lower rates than larger companies.
Listed below is a list of independent insurance agencies in Pittsburgh that may be able to provide pricing information.
- Celik Insurance Agency Inc.
2407 Mt Troy Rd – Pittsburgh, PA 15212 – (412) 323-9300 – View Map
- Preston and Grafton Insurance Agency
2012 Murray Ave – Pittsburgh, PA 15217 – (412) 586-7340 – View Map
- Hurley Insurance Brokers
3508 Fifth Ave – Pittsburgh, PA 15213 – (412) 682-6100 – View Map
Agents that choose to be exclusive can only write with one company and examples are Farmers Insurance or State Farm. These agents are not able to provide other company’s prices so it’s a take it or leave it situation. They are trained well on sales techniques which helps them sell insurance even at higher premiums. Some people will only use the same exclusive agent partially due to the prominent brand name and strong financial ratings.
Shown below are Pittsburgh exclusive agents who can help you get comparison quotes.
- Corey Griffith – State Farm Insurance Agent
1143 S Braddock Ave – Pittsburgh, PA 15218 – (412) 241-1178 – View Map
- Michael Dear State Farm
2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map
- Darlene Shelton-Lamot – State Farm Insurance Agent
911 Western Ave – Pittsburgh, PA 15233 – (412) 322-1064 – View Map
Deciding on an insurance agency shouldn’t rely on just the price. Any agent in Pittsburgh should have no problem answering these questions:
- Do you work with a CSR or direct with the agent?
- Which insurance companies are they affiliated with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they offer accident forgiveness?
- Will the agent help in case of a claim?
- Which insurance company do they prefer to write with?
- Where are claims handled?
As you quote Pittsburgh car insurance, you should never reduce needed coverages to save money. In many cases, an insured cut collision coverage only to find out that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the lowest possible cost.
There are still a few companies who don’t offer rates over the internet and most of the time these smaller providers prefer to sell through independent insurance agencies. Affordable Lincoln MKS insurance in Pittsburgh is definitely available on the web in addition to many Pittsburgh insurance agents, so compare prices from both to get a complete price analysis.
How to save on Lincoln MKS insurance in Pittsburgh
It takes a little time, but the best way to get budget Lincoln MKS insurance in Pittsburgh is to compare prices at least once a year from companies in Pennsylvania.
Step 1: Try to understand how car insurance works and the measures you can take to drop your rates. Many policy risk factors that result in higher prices such as speeding tickets, careless driving and a not-so-good credit rating can be controlled by making small lifestyle or driving habit changes.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while independent agents can quote prices from multiple companies.
Step 3: Compare the new quotes to your existing coverage to see if a cheaper rate is available. If you can save money and buy the policy, make sure coverage does not lapse between policies.
Step 4: Tell your current company to cancel your current auto insurance policy. Submit the application along with any required down payment for the new coverage. As soon as you have the new policy, put the certificate verifying coverage with the vehicle registration.
The most important part of this process is that you use identical coverages on each quote request and and to get rate quotes from all possible companies. Doing this enables a level playing field and a complete rate analysis.
Additional insurance information can be read at the links below
- Vehicle Insurance (Wikipedia)
- What Car Insurance is Cheapest for Inexperienced Drivers in Pittsburgh? (FAQ)
- Who Has Cheap Pittsburgh Car Insurance Quotes for a Nissan Rogue? (FAQ)
- How Much is Pittsburgh Auto Insurance for a 20 Year Old Male? (FAQ)
- Get the Right Protection (InsureUonline.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)