Affordable Lincoln MKZ Insurance in Pittsburgh

Surprisingly, a recent survey revealed that most auto insurance policyholders in Pennsylvania have bought auto insurance from the same company for four years or more, and nearly 40% of drivers have never even shopped around for cheaper coverage. U.S. drivers could save about 47% each year just by shopping around, but most undervalue the rate savings if they replace their high priced policy.

It takes a little time, but the best way to find affordable Lincoln MKZ insurance in Pittsburgh is to start comparing prices yearly from insurers who provide auto insurance in Pennsylvania.

1. Learn about how car insurance works and the things you can control to prevent expensive coverage. Many factors that cause rate increases such as distracted driving and a low credit rating can be remedied by making minor driving habit or lifestyle changes.
2. Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while independent agencies can provide prices for a wide range of companies.
3. Compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you can save some money, make sure coverage is continuous and does not lapse.

The most important part of shopping around is to make sure you enter similar deductibles and liability limits on every quote request and and to get price quotes from as many companies as you can. This guarantees a level playing field and maximum price selection.

Pittsburgh insurance discounts for a Lincoln MKZ

Companies offering auto insurance do not advertise every discount they offer in an easy-to-find place, so we break down some of the best known as well as some of the hidden credits available to lower your premiums when you buy Pittsburgh auto insurance online. If you do not double check each discount available, you are not getting the best rate possible.

• Early Switch Discount – Select companies give a discount for buying a new policy before your current expiration date. It’s a savings of about 10%.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings up to 30%.
• Lower Rates for Military – Being on active deployment in the military could qualify you for better premium rates.
• New Vehicle Savings – Adding a new car to your policy can get you a discount because newer models are generally safer.
• Safety Restraint Discount – Requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.

Please keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The diagram below illustrates the comparison of Lincoln MKZ insurance premiums with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, safe-driver, multi-car, and multi-policy discounts applied.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

• Progressive
• SAFECO
• American Family
• MetLife
• GEICO
• The Hartford

Before purchasing a policy, check with all companies you are considering what discounts are available to you. Depending on the company, some discounts may not apply in Pittsburgh. To locate auto insurance companies who offer auto insurance discounts in Pennsylvania, click here to view.

The cheapest Pittsburgh Lincoln MKZ insurance rate quotes

All the larger insurance companies such as State Farm and Allstate provide coverage price quotes direct online. This process is very simple as you just enter your coverage preferences on the page. When the form is submitted, their quoting system gets your driving and credit reports and gives you a price quote based on these and other factors. Using the web to get quotes for Lincoln MKZ insurance in Pittsburgh makes it simple to compare prices and it is imperative to perform this step in order to get affordable prices.

In order to find out how much you can save on insurance, take a look at the companies shown below. If you have your current policy handy, we recommend you input the coverages identical to your current policy. Doing this assures you will have comparison quotes for exact coverage.

The companies in the list below offer comparison quotes in Pittsburgh, PA. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.

Rates and information analytics

The data table below highlights detailed analysis of insurance premium costs for Lincoln MKZ models. Being aware of how insurance prices are determined helps drivers make decisions when shopping around.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific garaging location which can modify coverage rates considerably.

How high should deductibles be?

When buying insurance, a common question is how high should your deductibles be. The rates below sum up the premium difference between low and high physical damage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in vehicle location which can impact coverage rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $29 more each month or $348 for a full year across all Lincoln MKZ models than selecting the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 26 months between claims, you would probably save some money if you opt for a higher deductible.

Insurance rates based on gender

The illustration below illustrates the difference between Lincoln MKZ car insurance costs for male and female drivers. The rates are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are applied.

Liability only or full coverage

The information below shows the comparison of Lincoln MKZ auto insurance costs when comparing full coverage to liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no other discounts are factored in.

When to stop paying for full coverage

There is no written rule of when to phase out full coverage, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your Lincoln MKZ settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after paying the physical damage deductible. If premiums are more than $600 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where only buying liability is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Learn How to Lower Your Insurance Premiums

One of the most helpful ways to save on insurance is to to have a grasp of the factors that help calculate the price you pay for insurance. If you have a feel for what determines premiums, this enables you to make decisions that may reward you with big savings.

Being married is a good thing – Your spouse can get you a discount on insurance. Having a significant other translates into being more mature and responsible and it’s proven that drivers who are married file infrequent claims.

Rates increase with driving citations – Attentive drivers get better prices as compared to those with violations. Having a single speeding ticket can increase rates forty percent or more. Drivers unfortunate enough to have dangerous tickets such as DUI or reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.

The illustration below illustrates how speeding tickets and accidents increase Lincoln MKZ insurance costs for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Avoid unnecessary extra policy coverages – There are a lot of extra bells and whistles you can purchase on your MKZ policy. Insurance for vanishing deductibles, towing coverage, and term life insurance may be costing you every month. They may sound like good ideas initially, but if you don’t need them eliminate them to save money.

More performance means more cost – The make and model of the vehicle you own makes a huge difference in your premium level. The cheapest insurance rates tend to be for smaller low performance passenger models, but that’s not the only thing that factors into the final price.

The next chart is based on a married male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It illustrates Lincoln MKZ car insurance rates compared to other vehicles that have different performances.

Lincoln MKZ insurance loss probability – Companies take into consideration historical loss data for every vehicle to determine a rate that will be profitable for them. Vehicles that the data determines to have increased claim numbers or amounts will have higher rates. The table below illustrates the compiled insurance loss statistics for Lincoln MKZ vehicles.

For each policy coverage type, the statistical loss for all vehicles, as a total average, is considered to be 100. Values below 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate higher probability of having a loss or tendency to have larger claims.

Local Pittsburgh insurance agents

Certain consumers still like to get professional advice from a licensed agent and that is recommended in a lot of cases Good insurance agents can help you choose the best coverages and give you someone to call. The biggest benefit of getting free rate quotes online is that you can obtain better rates and still choose a local agent.

Upon completion of this form (opens in new window), the coverage information is submitted to local insurance agents in Pittsburgh who will give competitive quotes for your car insurance coverage. You don’t have to contact an agency since price quotes are sent to the email address you provide. If you want to get a comparison quote from a specific car insurance provider, don’t hesitate to go to their quote page and fill out the quote form the provide.

Picking the best insurer is decision based upon more than just a cheap quote. Ask your prospective agent these questions:

• Does the agency provide any after hours assistance?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Does the company have a solid financial rating?
• Does the quote include credit and driving reports?
• Which insurance company do they prefer to write with?
• Does the company have a local claim office in Pittsburgh?
• What is their Better Business Bureau rating?

Three reasons to not skimp on car insurance

Despite the high cost, maintaining insurance is required for several reasons.

• Just about all states have minimum liability requirements which means the state requires specific limits of liability coverage in order to be legal. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your Lincoln MKZ, most lenders will require you to have insurance to guarantee their interest in the vehicle. If the policy lapses, the bank may insure your Lincoln at a significantly higher premium and make you pay much more than you were paying before.
• Car insurance protects not only your Lincoln MKZ but also your financial assets. It will also cover medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of insuring your car are without a doubt worth the cost, especially with large liability claims. But the average driver in Pennsylvania is overpaying over $820 a year so we recommend shopping around at least once a year to ensure rates are inline.

Persistence will pay off

We covered quite a bit of information on how to lower your Lincoln MKZ insurance prices in Pittsburgh. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper Pittsburgh auto insurance quotes. You may even be surprised to find that the most savings is with a lesser-known regional company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

Low-cost Lincoln MKZ insurance in Pittsburgh can be found both online and with local Pittsburgh insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not have rates over the internet and many times these regional insurance providers prefer to sell through independent agencies.

To learn more, take a look at the resources below:

• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Who Has Affordable Pittsburgh Auto Insurance Rates for First-time Drivers? (FAQ)
• Prom Night Tips for Teen Drivers (State Farm)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Can I Drive Legally without Insurance? (Insurance Information Institute)