Compare Lincoln MKZ Insurance Quotes in Scottsdale

Insurance for Lincoln MKZSmart shoppers know that insurance companies don’t want policyholders to shop around. Insureds who compare rates annually will probably buy a new policy because there is a high probability of finding a policy with more affordable rates. A recent survey revealed that drivers who compared rate quotes regularly saved as much as $3,400 over four years compared to policyholders who never shopped around for cheaper prices.

If saving the most money on auto insurance is the reason you’re here, understanding how to quote and compare insurance premiums can make it easier to find better rates.

If saving money is your primary concern, then the best way to get discount Lincoln MKZ insurance in Scottsdale is to make a habit of regularly comparing prices from providers who provide auto insurance in Arizona.

One important bit of advice is to make sure you’re comparing the same coverage limits and deductibles on every quote and and to analyze as many companies as possible. Doing this helps ensure an accurate price comparison and a complete price analysis.

Affordable Lincoln insurance prices in Scottsdale

The companies shown below are our best choices to provide free quotes in Scottsdale, AZ. If you want the best car insurance in Scottsdale, we suggest you click on several of them to find the lowest car insurance rates.

Lincoln MKZ insurance coverage information

The price information below outlines detailed analysis of insurance policy prices for Lincoln MKZ models. Having a better understanding of how insurance premiums are formulated is important to be able to make informed coverage decisions.

Lincoln MKZ Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $250 $620 $382 $22 $114 $1,388 $116
MKZ AWD 4-Dr Sedan $250 $620 $382 $22 $114 $1,388 $116
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific zip code location which can increase or decrease coverage rates greatly.

An analysis of deductible level

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The comparison tables below summarize the differences in price when you select higher and lower insurance deductibles. The first price estimate table uses a $250 deductible and the second set of rates 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 $262 $530 $338 $20 $102 $1,277 $106
MKZ AWD 4-Dr Sedan $262 $530 $338 $20 $102 $1,277 $106
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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 $162 $334 $338 $20 $102 $956 $80
MKZ AWD 4-Dr Sedan $162 $334 $338 $20 $102 $956 $80
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Information does not factor in vehicle location which can change premiums substantially.

Based on this data, using a $250 deductible will cost you about $26 more each month or $312 annually than selecting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 29 months between claims, you would probably be better off if you decide on a higher deductible.

Safe drivers Scottsdale pay cheaper rates

The information below shows how traffic citations and fender-benders can raise Lincoln MKZ car insurance rates for different ages of insureds. The data is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Cost difference between full coverage and liability

The diagram below illustrates the difference between Lincoln MKZ premium costs with liability coverage only compared to full coverage. The premium estimates are based on no violations or claims, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

When to buy liability coverage only

There is no clear-cut rule to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Lincoln MKZ settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are currently paying more than $600 a year for physical damage coverage, then you might consider buying liability only.

There are a few situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Smart Choices Result in Lower Insurance Costs

When buying insurance it’s important to understand some of the factors that play a part in calculating your policy premiums. When you know what positively or negatively influences your rates, this enables you to make decisions that can earn you lower premium levels. Lots of factors are used when premium rates are determined. Some of the criteria are obvious such as traffic violations, but other factors are less apparent like where you live or your commute time.

The items below are some of the most rate-impacting factors insurance companies consider when setting premiums.

Does your job raise your premiums? – Did you know your occupation can influence how much you pay for insurance? Jobs like fire fighters, executives, and stock brokers usually pay higher premium rates attributed to job stress and incredibly demanding work hours. Other careers such as scientists, students and homemakers have lower than average premiums.

Good credit scores equal low rates – Having a bad credit history factor in calculating your insurance rates. So if your credit history could use some work, you could save money insuring your Lincoln MKZ by improving your rating. Consumers who have good credit tend to be better risks to insure than drivers with lower credit ratings.

Vehicles with better crash test results are cheaper to insure – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums.

Insurance rates and driver gender – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females are in fender benders in similar numbers, but men have accidents that have higher claims. Not only that, but men also receive more costly citations such as reckless driving.

The example below illustrates the difference between Lincoln MKZ premium costs for male and female drivers. The prices are based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Single drivers take more risk – Being married may save some money on insurance. Having a significant other translates into being more mature and responsible and it’s statistically proven that drivers who are married file infrequent claims.

Liability coverage is cheap – Liability insurance will provide protection when you are determined to be liable for physical damage or personal injury to other. Liability provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not skimp.

Frequent insurance claims increase prices – If you are the type of insured that files lots of claims don’t be surprised to see increased rates or even have your policy non-renewed. Companies in Arizona provide discounts to people who only file infrequent claims. Your insurance policy is designed for the large, substantial claims.

Big cities mean more claims – Living in smaller towns and rural areas of the country is a positive aspect when trying to find low car insurance rates. People in densely populated areas have traffic congestion and longer commutes to work. Fewer people means less chance of accidents in addition to lower liability claims.

Lincoln MKZ insurance loss statistics – Insurers take into consideration insurance loss statistics for every vehicle to determine a rate that will be profitable for them. Models that the data determines to have higher frequency or amount of claims will have increased rates.

The table shown below demonstrates the historical loss data for Lincoln MKZ vehicles. For each coverage type, the loss probability for all vehicles compiled together is represented as 100. Values that are below 100 mean the vehicle has better than average losses, while percentages above 100 indicate higher probability of having a loss or a tendency for losses to be larger than average.

Lincoln MKZ Insurance Loss Statistics
Vehicle Make and 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
Statistics from for 2013-2015 Model Years

Auto insurance quotes and discounts

Some companies don’t always publicize every possible discount in an easy-to-find place, so the list below details both the well known and also the more inconspicuous discounts that may be available.Auto insurance discounts

It’s important to understand that some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think you would end up receiving a 100% discount, that’s just not realistic.

The diagram below shows the comparison of Lincoln MKZ car insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, safe-driver, multi-car, and claim-free discounts applied.

To view auto insurance companies with discount auto insurance rates in Scottsdale, click here.

Comparing rates from local Scottsdale insurance agents

Many drivers prefer to sit down and talk to an agent and doing so can bring peace of mind One of the benefits of getting free rate quotes online is the fact that drivers can get the best rates and still buy from a local agent. And supporting neighborhood insurance agencies is especially important in Scottsdale.

Scottsdale insurance agentsOnce you complete this form (opens in new window), your information is transmitted to local insurance agents in Scottsdale that give free quotes for your insurance coverage. You won’t need to search for an agent because prices are sent to you. You can find better rates and work with a local agent. In the event you want to get a price quote from one company in particular, you would need to navigate to their website and submit a quote form there.

If you prefer to buy insurance from a good Scottsdale insurance agent, it’s helpful to know the different types of agencies and how they are slightly different. Insurance agencies are considered either independent or exclusive.

Independent Insurance Agencies

Agents of this type are not required to write business for one company so they can write business with many different companies enabling the ability to shop coverage around. If they find a cheaper price, your agent can switch companies and you can keep the same agent. If you need lower rates, you will definitely want to check rates from a couple of independent agencies to have the most options to choose from. A lot of them also have access to companies that do not advertise much who may have lower rates.

Listed below is a list of independent agencies in Scottsdale that can possibly get you free insurance rate quotes.

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Exclusive Insurance Agencies

These agents can only quote rates from one company and some examples include State Farm, Allstate, and Farm Bureau. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable in insurance sales and that can be a competitive advantage. Some consumers prefer to buy from exclusive agents primarily because of loyalty to the company and strong financial ratings.

Shown below is a list of exclusive agents in Scottsdale willing to provide price quotes.

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Choosing an car insurance agent requires more thought than just a cheap quote. The following questions are important to ask.

If you get good answers to all your questions as well as inexpensive Lincoln MKZ insurance in Scottsdale quotes, you may have just found a car insurance agent that is reputable and can adequately provide insurance. Just keep in mind you have the power to cancel your coverage any time you want so never feel you’re contractually obligated to the insurance policy for the full term.

Affordable insurance is out there

Drivers change insurance companies for a variety of reasons including policy non-renewal, questionable increases in premium, policy cancellation or high rates after DUI convictions. Regardless of your reason for switching companies, switching insurance companies is pretty easy and you might even save some money in the process.

You just read a lot of ways to lower your Lincoln MKZ insurance premium rates in Scottsdale. The key thing to remember is the more times you quote, the better your comparison will be. You may even be surprised to find that the most savings is with the least-expected company.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There are many occasions where an insured cut collision coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

Much more information about insurance in Arizona is located below: