The most effective way to get discount Lincoln MKS insurance in Jacksonville is to compare prices once a year from different companies who provide auto insurance in Florida. You can compare rates by following these guidelines.
- Step 1: It will benefit you to learn about how your policy works and the measures you can take to keep rates in check. Many rating criteria that are responsible for high rates like inattentive driving and a not-so-good credit score can be eliminated by improving your driving habits or financial responsibility. This article gives instructions to help prevent high rates and find possible discounts that are available.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple insurance companies.
- Step 3: Compare the quotes to your current policy and determine if cheaper MKS coverage is available. If you find a lower rate quote and make a switch, make sure there is no coverage gap between policies.
A valuable tip to remember is to use the same amount of coverage on every quote and to quote with as many companies as you can. Doing this enables the most accurate price comparison and the best price selection.
A recent car insurance study revealed that most consumers kept their coverage with the same car insurance company for at least the last four years, and approximately 38% of consumers have never taken the time to shop around. Most drivers in Florida could save an average of as much as $1,126 each year, but most tend to underestimate the large savings they would see if they bought a different policy.
Car insurance discounts are available to cut your rates
Not many people think insurance is cheap, but there are discounts available that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of quoting, but some may not be applied and must be asked for before you will receive the discount. If you aren’t receiving every discount available, you could be getting lower rates.
- Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
- Active Military Service – Being deployed in the military could trigger a small discount.
- No Charge for an Accident – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
- Senior Citizen Rates – Drivers that qualify as senior citizens are able to get a small decrease in premiums.
- Early Signing – Select companies give a discount for buying a policy before your current expiration date. You could save around 10% when you buy Jacksonville auto insurance online.
We need to note that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, you won’t be that lucky.
The illustration below shows the comparison of Lincoln MKS car insurance rates with and without policy discounts. The premiums assume a female driver, no claims or driving citations, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, multi-car, and claim-free discounts applied.
A few of the larger companies and some of the discounts can be read below.
- State Farm discounts include accident-free, multiple policy, student away at school, safe vehicle, and defensive driving training.
- Esurance has discounts for anti-lock brakes, anti-theft, paid-in-full, claim free, multi-car, and emergency road assistance.
- Progressive may offer discounts for good student, multi-policy, continuous coverage, homeowner, online signing, and online quote discount.
- Liberty Mutual offers premium reductions for exclusive group savings, teen driver discount, multi-policy, new graduate, new vehicle discount, safety features, and good student.
- Auto-Owners Insurance has savings for student away at school, paid in full, safe vehicle, multiple vehicles, company car, and anti-lock brakes.
- GEICO may include discounts for driver training, daytime running lights, anti-lock brakes, anti-theft, air bags, military active duty, and multi-policy.
Double check with all the companies how many discounts you can get. Some credits may not be offered in Jacksonville. If you would like to see a list of companies that offer some of these discounts in Florida, follow this link.
The fastest way that we advise to compare insurance rates from multiple companies utilizes the fact almost all companies actually pay money for the chance to give free rates quotes. The only thing you need to do is spend a couple of minutes providing details including if it has an anti-theft system, coverage limits, whether you are married, and if you require a SR-22. That rating data is submitted instantly to many different companies and they return cost estimate quickly.
To compare cheap Lincoln MKS insurance rates now, click here and see if a lower rate is available in Jacksonville.
The companies in the list below are our best choices to provide price quotes in Florida. If more than one company is shown, it’s highly recommended you visit several of them to get the most affordable price.
Car insurance statistics for a Lincoln MKS
The rate information shown below covers estimates of insurance premium costs for Lincoln MKS models. Understanding more about how rate quotes are calculated helps drivers make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKS AWD 4-Dr Sedan | $300 | $546 | $366 | $22 | $110 | $1,344 | $112 |
| MKS 4-Dr Sedan | $300 | $546 | $366 | $22 | $110 | $1,344 | $112 |
| MKS Ecoboost AWD 4-Dr Sedan | $330 | $618 | $366 | $22 | $110 | $1,446 | $121 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can influence rates greatly.
Should you raise deductibles?
One common question asked by Jacksonville drivers is which comprehensive and collision deductibles to buy. The rates shown below illustrate the differences in premium rates between high and low comp and collision deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKS AWD 4-Dr Sedan | $406 | $736 | $354 | $20 | $106 | $1,647 | $137 |
| MKS 4-Dr Sedan | $406 | $736 | $354 | $20 | $106 | $1,647 | $137 |
| MKS Ecoboost AWD 4-Dr Sedan | $446 | $834 | $354 | $20 | $106 | $1,785 | $149 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKS AWD 4-Dr Sedan | $250 | $464 | $354 | $20 | $106 | $1,194 | $100 |
| MKS 4-Dr Sedan | $250 | $464 | $354 | $20 | $106 | $1,194 | $100 |
| MKS Ecoboost AWD 4-Dr Sedan | $276 | $524 | $354 | $20 | $106 | $1,280 | $107 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in vehicle location which can impact prices considerably.
Using the premium rates above, we can conclude that using a $250 deductible costs approximately $39 more each month or $468 a year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 19 months between claims, you would probably come out ahead by selecting a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $250 deductibles: | $141 |
| Average monthly premium for $1,000 deductibles (subtract): | – $102 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important issue to know is that increasing deductibles to save money results in a higher out-of-pocket expense when you file a claim. That will require some available funds in the event you need to pay the higher deductible in order to repair your vehicle.
How accidents and violations affect rates
The example below shows how violations and accident claims can raise Lincoln MKS yearly insurance costs for each age group. The information is based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
Car insurance premiums by gender
The illustration below illustrates the comparison of Lincoln MKS premium costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are applied.
Jacksonville Insurance Premiums are Influenced by These Factors
Multiple criteria are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, but some are less apparent like your continuous coverage or your commute time. Smart consumers have a good feel for the rating factors that help calculate your insurance rates. When you understand what controls the rates you pay, this allows you to make good choices that can earn you big savings.
Credit history impacts premium prices – Having a bad credit score is a big factor in determining what you pay. Insureds that have very high credit ratings tend to file fewer claims than drivers with lower credit ratings. So if your credit score is lower than you’d like, you may save money insuring your Lincoln MKS by improving your credit score.
Multi-policy discounts can save money – Lots of insurance companies allow a discount to buyers who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, you may still want to compare other company rates to ensure the best deal. You may still save more without the discount by buying insurance from more than one company.
How many miles do you drive? – The more miles you rack up on your Lincoln in a year the more you’ll pay to insure your vehicle. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks left parked in the garage can get a lower rate than vehicles that have high annual mileage. A policy that improperly rates your MKS is throwing money out the window. It’s a good idea to make sure your insurance policy correctly shows the proper vehicle usage, because it can save money.
How much liability insurance do you need? – The liability coverage on your policy will provide protection if ever a court rules you are at fault for physical damage or personal injury to other. This coverage provides legal defense coverage to defend your case. It is affordable coverage compared to physical damage coverage, so do not skimp.
Increase physical damage deductibles to save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some instances where coverage would apply are a windshield shattered by a rock, hitting a deer, and burglary. Your deductibles are the amount of money you are required to spend before your insurance pays a claim. The more money you have to pay, the less money you will pay for insurance.
Insurance losses for a Lincoln MKS – Companies use statistical claims data when they calculate premium costs for each model. Vehicles that the data determines to have higher losses will cost more for specific coverages.
The table shown below demonstrates the historical loss data for Lincoln MKS vehicles. For each coverage category, the loss probability for all vehicles combined as an average is considered to be 100. Numbers that are below 100 are indicative of better than average losses, while percentages above 100 point to more losses or an increased chance of larger losses than average.
| Specific Lincoln 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Different people need different insurance coverages
Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine whether your personal situation may require specific advice.
- Is my vehicle covered by my employer’s policy when using it for work?
- Can I insure my car for more than it’s worth?
- What can I do if my company denied a claim?
- How many claims can I have before being canceled?
- Am I covered by my spouse’s policy after a separation?
- Will damage be repaired with OEM parts?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.
Compare rate quotes but work with a local Jacksonville insurance agency
Many people prefer to talk to an insurance agent and that is not a bad decision The best thing about comparing rates online is you may find cheap rate quotes but still work with a licensed agent. And providing support for small agencies is especially important in Jacksonville.
To make it easy to find an agent, after completing this quick form, the quote information is emailed to local insurance agents in Jacksonville that can give you free Jacksonville auto insurance quotes to get your business. You won’t need to leave your house as quotes are delivered to you. Get lower rates without the usual hassles of price shopping. If you have a need to quote rates from a specific auto insurance provider, you just need to find their quoting web page and submit a quote form there.
When finding a local Jacksonville insurance agency, it helps to know the two different agency structures and how they function. Insurance agencies in Jacksonville can either be exclusive or independent.
Independent Agents
Agents in the independent channel can sell policies from many different companies and that enables them to quote your coverage with an assortment of companies depending on which coverage is best. If they quote lower rates, they can switch companies in-house without you having to go to a different agency. If you are trying to find cheaper rates, it’s a good idea to compare prices from several independent agencies to get the most accurate price comparison.
Featured below is a partial list of independent agencies in Jacksonville who can help you get price quote information.
Erwin Insurance, LLC
841 Prudential Drive, 12th Floor – Jacksonville, FL 32207 – (904) 764-7531 – View Map
Rosetta’s Insurance Agency, Inc.
6715 Wilson Blvd – Jacksonville, FL 32210 – (904) 677-0441 – View Map
Connect America Insurance Agency
8825 Perimeter Park Blvd #303 – Jacksonville, FL 32216 – (904) 494-8898 – View Map
Exclusive Auto Insurance Agencies
Exclusive agents can only write with one company like State Farm, AAA, and Liberty Mutual. They generally cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive agencies are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
The following are exclusive agencies in Jacksonville who can help you get price quotes.
Homer St Clair – State Farm Insurance Agent
7305 Merrill Rd – Jacksonville, FL 32277 – (904) 743-7422 – View Map
Kim Lego – State Farm Insurance Agent
13820 Old St Augustine Rd #401 – Jacksonville, FL 32258 – (904) 268-9900 – View Map
John Brooks – State Farm Insurance Agent
11362 San Jose Blvd #19 – Jacksonville, FL 32223 – (904) 880-9060 – View Map
Picking the best car insurance agent shouldn’t rely on just the quoted price. Any good agent in Jacksonville should know the answers to these questions.
- How is replacement cost determined on your vehicle?
- If you have an accident, will your rates go up?
- Which companies do they recommend if they are an independent agency?
- Did they already check your driving record and credit reports?
- Can glass repairs be made at your home?
Car insurance is not optional
Despite the high cost, car insurance may not be optional for several reasons.
First, most states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability insurance in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your MKS, most lenders will stipulate that you buy full coverage to guarantee payment of the loan. If the policy lapses, the lender may insure your Lincoln for a lot more money and force you to pay for it.
Third, insurance safeguards not only your Lincoln MKS but also your financial assets. It also can pay for medical expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance more than offset the price you pay, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is wasting up to $830 a year so it’s important to compare rates once a year at a minimum to ensure rates are inline.
Don’t give up on cheaper rates
When you buy Jacksonville auto insurance online, it’s not a good idea to buy poor coverage just to save money. In many instances, someone sacrificed liability coverage limits and learned later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.
Cheaper Lincoln MKS insurance in Jacksonville can be sourced online and with local Jacksonville insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not have rates over the internet and usually these small insurance companies only sell through local independent agencies.
You just learned a lot of information how to get a better price on Lincoln MKS insurance in Jacksonville. It’s most important to understand that the more you quote Jacksonville auto insurance, the better likelihood of getting affordable Jacksonville auto insurance quotes. You may even discover the lowest prices are with a company that doesn’t do a lot of advertising.
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