How long have you put off shopping around for low-cost Lincoln MKZ insurance in Kansas City? Having to pay for expensive Lincoln MKZ insurance in Kansas City can draw down your accounts and force you to prioritize other expenses. Price shopping at each renewal is free and is an excellent way to tighten up your finances.
Unbelievable but true, a large majority of auto insurance policyholders renewed their policy with the same company for at least the last four years, and approximately 38% of consumers have never compared rate quotes at all. Kansas City insurance shoppers can cut their rates by roughly $323 a year by just comparing quotes, but they don’t understand how simple it is to compare rates and save money.
Steps to finding the cheapest rates for Lincoln MKZ insurance in Kansas City
Really, the only way to get more affordable Lincoln MKZ insurance in Kansas City is to compare prices once a year from different companies in Missouri. Price quotes can be compared by following these steps.
- Try to learn about how auto insurance works and the changes you can make to lower rates. Many risk factors that are responsible for high rates like tickets, at-fault accidents, and bad credit can be eliminated by making minor changes to your lifestyle.
- Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes from multiple insurance companies.
- Compare the new rate quotes to your existing policy and see if you can save money. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
The most important part of shopping around is that you use similar deductibles and liability limits on each quote and and to get rates from all possible companies. Doing this ensures the most accurate price comparison and a complete selection of prices.
Many car insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurer and get the best coverage at the lowest cost out there.
It’s a good habit to compare premium rates yearly since insurance prices tend to go up over time. Just because you found the lowest price on Lincoln MKZ insurance in Kansas City a few years ago you can probably find a better rate now. Ignore everything you know about auto insurance because we’re going to demonstrate the things you must know in order to properly buy coverages while reducing your premium.
Best Lincoln MKZ insurance rates in Missouri
The companies shown below offer free rate quotes in Missouri. To get the cheapest auto insurance in Kansas City, we suggest you visit several of them to get a more complete price comparison.
Rates and statistics
The information shown next highlights estimates of coverage costs for Lincoln MKZ models. Having insight into how insurance premiums are calculated is important for drivers to make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $162 | $390 | $340 | $20 | $102 | $1,014 | $85 |
| MKZ AWD 4-Dr Sedan | $162 | $390 | $340 | $20 | $102 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Kansas City garaging location which can change auto insurance rates significantly.
Analysis of deductible levels
When buying auto insurance, a common question is what deductibles to buy. The premium rates below can help you visualize the rate difference when you select higher and lower physical damage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $258 | $562 | $302 | $18 | $90 | $1,255 | $105 |
| MKZ AWD 4-Dr Sedan | $258 | $562 | $302 | $18 | $90 | $1,255 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $188 | $380 | $302 | $18 | $90 | $978 | $82 |
| MKZ AWD 4-Dr Sedan | $188 | $380 | $302 | $18 | $90 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in garaging location in Kansas City which can modify premiums greatly.
Based on this data, using a $100 deductible would cost the average driver about $23 more each month or $276 for a full year than requesting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 17 months between claims, you would more than likely save some money if you opt for a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $105 |
| Average monthly premium for $500 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important caveat is that higher deductibles means you will have to cover more of the damage yourself when you have a claim. You must have enough disposable savings in the event you have to pay more to get your vehicle repaired.
The example below highlights how deductible selection and can affect Lincoln MKZ insurance premiums for different insured age categories. The data assumes a single female driver, comp and collision included, and no other discounts are factored in.
How to Lower Your Insurance Prices
Multiple criteria are used when pricing auto insurance. Most are fairly basic such as your driving record, although some other factors are more obscure like your vehicle usage or your financial responsibility.
The factors shown below are some of the things that factor into your rate level.
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Gender and auto insurance premiums – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both genders cause fender benders in similar percentages, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also get more serious tickets like DWI (DUI) or reckless driving.
The chart below shows the difference between Lincoln MKZ insurance prices for male and female drivers. Data assumes no accidents, no driving violations, full coverage, $500 deductibles, single marital status, and no other discounts are factored in.
- Consider raising comp and collision deductibles – Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your Lincoln. Some coverage claims are a dented fender, collision with an animal, and having your car stolen. Your deductibles tell how much you are required to spend out-of-pocket in the event of a claim. The more damage repair cost you have to pay, the less your insurance will be.
- Never let your insurance policy lapse – Driving any period of time without insurance is a big no-no and any future policy may cost more because you let your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance can result in a revoked license or a big fine.
- Where you call home factors in – Choosing to live in a rural area is a good thing when it comes to insurance. Fewer drivers and short commutes means a lower chance of having an accident and lower theft and vandalism rates. City drivers regularly have much more traffic and longer commutes to work. More time commuting translates into higher accident risk.
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Insurance loss probability for a Lincoln MKZ – Insurers use past loss statistics for each vehicle when they file their rates in each state. Models that statistically have higher claim amounts or frequency will cost more to insure.
The table below illustrates the historical loss data for Lincoln MKZ vehicles. For each policy coverage type, the claim probability for all vehicles combined as an average is considered to be 100. Values below 100 indicate a favorable loss history, while numbers above 100 point to more losses or tendency to have higher losses.
Lincoln MKZ Insurance Loss Statistics Specific Lincoln 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Lower your car insurance rates with discounts
Buying car insurance is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Certain credits will be shown at quote time, but less common discounts must be specifically requested before you will receive the discount.
- Payment Method – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- Online Discount – A handful of insurance companies will discount your bill up to fifty bucks for completing your application on your computer.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a Kansas City car insurance quote.
- Senior Discount – If you’re over the age of 55, you may qualify for better car insurance rates.
- Onboard Data Collection – Drivers who elect to allow their insurance company to track vehicle usage remotely like Allstate’s Drivewise could possibly reduce rates as long as they are good drivers.
- Include Life Insurance and Save – Select companies reward you with a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
- Multi-Vehicle Discounts – Insuring multiple vehicles on one policy can reduce the rates for all insured vehicles.
- College Student Discount – College-age children who are attending college without a vehicle on campus can receive lower rates.
- Defensive Driving Course – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
One last thing about discounts, most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, you’re out of luck.
The chart below compares Lincoln MKZ premium costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no violations or claims, Missouri 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 multi-car, homeowner, marriage, claim-free, safe-driver, and multi-policy discounts applied.
A list of car insurance companies and some of the discounts are shown below.
- American Family offers premium reductions for good driver, air bags, Steer into Savings, bundled insurance, TimeAway discount, and accident-free.
- Farm Bureau has savings for multi-vehicle, driver training, good student, youthful driver, multi-policy, and renewal discount.
- State Farm may offer discounts for good driver, driver’s education, Steer Clear safe driver discount, passive restraint, and multiple policy.
- Travelers discounts include multi-car, student away at school, multi-policy, home ownership, payment discounts, save driver, and IntelliDrive.
- The Hartford offers discounts for defensive driver, bundle, driver training, good student, vehicle fuel type, anti-theft, and air bag.
- GEICO may have discounts that include federal employee, anti-lock brakes, multi-vehicle, air bags, driver training, good student, and emergency military deployment.
- Progressive has discounts for homeowner, online quote discount, multi-policy, continuous coverage, and good student.
If you need cheaper Kansas City car insurance quotes, ask every insurance company to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in your state.
Insurance is available from your local insurance agencies
A lot of people still like to sit down and talk to an agent and that is a smart decision Professional agents can make sure you are properly covered and help file insurance claims. One of the great benefits of comparing insurance prices online is you may find cheaper car insurance rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), your information is instantly submitted to agents in your area who want to provide quotes for your insurance coverage. You won’t need to search for an agent since rate quotes are delivered directly to your email. If you wish to quote rates for a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Finding the right insurer needs to be determined by more than just a cheap price. Before buying a policy in Kansas City, get answers to these questions.
- Is their price quote a firm figure or are their hidden costs?
- How many years have they been established?
- If your car is in the repair shop, do you have coverage for a rental car?
- If you are a high risk driver, do they have special markets for your coverage?
- If you raise deductibles, how much can you save?
How to choose the best car insurance agent in Kansas City
If you want to use a local Kansas City insurance agency, there are two different types of agents and how they work. Kansas City agents can be categorized as either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it’s a good idea to understand the difference between them because it may have an impact on which agent you choose.
Exclusive Insurance Agencies
Exclusive agents are contracted to one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot compare other company’s rates so keep that in mind. Exclusive agents are trained well on sales techniques and that can be a competitive advantage.
Below are exclusive agencies in Kansas City that are able to give comparison quotes.
David Krough – State Farm Insurance Agent
600 W 103rd St #206 – Kansas City, MO 64114 – (816) 943-6166 – View Map
American Family Insurance – Paul Arnone
3851 N Oak Trafficway – Kansas City, MO 64116 – (816) 454-2152 – View Map
Joe Nowatzki – State Farm Insurance Agent
10201 N Oak Trafficway #400 – Kansas City, MO 64155 – (816) 420-0200 – View Map
Independent Agencies or Brokers
Agents that choose to be independent are normally appointed by many insurers so they can quote policies amongst many companies and potentially find a lower price. If they quote lower rates, your agent can switch companies and you don’t have to find a new agent. If you are comparing rate quotes, you will want to get quotes from several independent agencies to get the most accurate price comparison.
Listed below is a list of independent agents in Kansas City willing to provide rate quotes.
Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 – View Map
Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map
Francisco Banuelos Insurance
536 Benton Blvd – Kansas City, MO 64124 – (816) 920-5400 – View Map
Auto insurance can be complex
When it comes to your policy for your personal vehicles, there isn’t really a cookie cutter policy. You are unique so this has to be addressed.
These are some specific questions can aid in determining whether your personal situation may require specific advice.
- Am I insured when driving a different vehicle?
- Is my camper covered by my car insurance policy?
- Can I drive in Mexico and have coverage?
- Who sells insurance for high-risk drivers?
- Do I have any recourse if my insurance company denies a claim?
- Am I better off with higher deductibles on my Lincoln MKZ?
- What is an SR-22 filing?
- Is my cargo covered for damage or theft?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
In conclusion
As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest cost and still be able to protect your assets.
Affordable Lincoln MKZ insurance in Kansas City can be sourced both online as well as from insurance agents, so get free Kansas City car insurance quotes from both of them in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and most of the time these smaller providers sell through independent agents.
We just showed you a lot of information how to compare Lincoln MKZ insurance prices in Kansas City. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from a small local company. These companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.
Steps to finding cheaper Lincoln MKZ insurance in Kansas City
The most effective way to find the cheapest price for Lincoln MKZ insurance in Kansas City is to begin comparing prices regularly from companies who provide auto insurance in Missouri. Drivers can shop around by following these steps.
- It will benefit you to learn about policy coverages and the modifications you can make to prevent rate increases. Many things that drive up the price such as speeding and a not-so-good credit rating can be eliminated by being financially responsible and driving safely.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can quote prices from many different companies.
- Compare the new quotes to your existing policy to see if you can save by switching companies. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide notification to your current company of your intention to cancel your current policy. Submit a down payment and signed policy application to your new agent or company. Immediately place the new proof of insurance certificate along with the vehicle’s registration papers.
The most important part of shopping around is that you’ll want to make sure you compare the same level of coverage on every price quote and and to get quotes from as many companies as feasibly possible. This provides an apples-to-apples comparison and a complete price analysis.
Even more information is available in the articles below:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- How Much are Auto Insurance Quotes for Drivers Over Age 70 in Kansas City? (FAQ)
- How Much are Kansas City Auto Insurance Quotes for a Toyota Camry? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Should I Buy a New or Used Car? (Allstate)
- Anti-Lock Brake FAQ (iihs.org)