Insurance for Lincoln MKZTrying to find the cheapest insurance for a Lincoln MKZ in Colorado can turn out to be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to find car insurance online and you need to know the absolute fastest way to price shop coverage for a Lincoln and obtain the cheapest rates either online or from Aurora insurance agents.

How to shop Lincoln MKZ insurance online

The companies shown below have been selected to offer price comparisons in Colorado. If the list has multiple companies, it's highly recommended you get prices from several of them in order to find the most affordable rates.

Lincoln MKZ Insurance Costs in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $214 $516 $448 $26 $134 $1,338 $112
MKZ AWD 4-Dr Sedan $294 $726 $416 $24 $124 $1,584 $132
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in vehicle garaging location which can influence price quotes considerably.

How high should deductibles be?

A question often asked by Aurora drivers is which deductibles should you choose. The data tables below can help show the differences in price when you buy lower versus higher policy deductibles. The first data set uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Lincoln MKZ insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $342 $740 $396 $24 $118 $1,645 $137
MKZ AWD 4-Dr Sedan $342 $740 $396 $24 $118 $1,645 $137
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Lincoln MKZ insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKZ 4-Dr Sedan $250 $500 $396 $24 $118 $1,288 $107
MKZ AWD 4-Dr Sedan $250 $500 $396 $24 $118 $1,288 $107
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Table data does not factor in specific location information which can increase or decrease coverage rates substantially.

Based on the data above, we can derive that using a $100 deductible costs about $30 more each month or $360 annually than quoting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 13 months between claims, you would probably save some money if you decide on a higher deductible. The numbers below show a better example of how you can make your own decision.

Average monthly premium for $100 deductibles: $137
Average monthly premium for $500 deductibles (subtract): - $107
Monthly savings from raising deductible: $30
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to be aware of is that raising deductibles results in more money out-of-pocket when you have to file a claim. That will require some funds available in order to pay the deductible to have repairs made.

Policy deductible comparison

The chart below demonstrates how deductible levels and can increase or decrease Lincoln MKZ insurance premiums for different categories of driver ages. The prices are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

Auto insurance is not optional in Colorado

Despite the potentially high cost of Lincoln MKZ insurance, insuring your vehicle is not optional due to several reasons.

The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. As of last year, the average driver in Colorado is currently overpaying as much as $750 every year so compare quotes from several companies at every policy renewal to save money.

Insurance ads bend the truth

Consumers can't avoid all the ads that claim the best prices by Allstate and Progressive. All the ads advertise the message that drivers can save some big amount if you move to their company.

How can each company sell you cheaper insurance coverage? Just pay attention to how they say it.

Insurance companies offer their best rates for the type of driver that will not have excessive claims. A good example of this type of risk profile might have to be over the age of 35, has no claims, and drives a vehicle with a low ISO rating. A driver who fits that profile will get the preferred rates in Aurora and will save a lot of money.

Consumers who may not quite match those standards will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say "people that switch" not "all people who quote" save that much when switching. That's the way insurance companies can claim big savings. Because of the profiling, you absolutely need to get as many free Aurora car insurance quotes as possible. It's impossible to know the company that will provide you with the cheapest Lincoln MKZ insurance in Aurora.

Discounts can help lower rates on Lincoln MKZ insurance in Aurora

Some insurance providers don't always list all available discounts very clearly, so we researched a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.Car insurance discounts

Don't be surprised that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride.

A few of the larger companies and a selection of discounts are included below.

If you want affordable Lincoln MKZ insurance quotes, ask each insurance company what discounts are available to you. Some discounts listed above may not be offered in Aurora. To see companies with discount car insurance rates in Colorado, click here to view.

Insurance is available from local insurance agents

Some consumers still like to have an agent's advice and often times that is recommended Licensed agents can help you build your policy and help in the event of a claim. A good thing about price shopping on the web is the fact that you can find cheaper car insurance rates but also keep your business local.

Insurance agency in AuroraFor easy comparison, once you complete this quick form, your insurance data is submitted to local insurance agents who want to provide quotes for your business. You won't need to do any legwork due to the fact that quote results will go to the email address you provide. If you need to get a comparison quote from a specific company, you just need to visit that company's website and fill out the quote form the provide.

Finding the right company should include more criteria than just a cheap quote. These questions are important to ask:

If you are searching for a good Aurora insurance agent, you must know there are a couple different agency structures and how they can service your needs differently. Aurora agents may be either independent or exclusive. Both insure your vehicles, but it is important to understand why they differ since it can impact the kind of agent you use.

Exclusive Insurance Agents

Exclusive insurance agents have only one company to place business with like Farmers Insurance, American Family, State Farm and Allstate. They usually cannot shop your coverage around so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are highly trained in insurance sales which helps them compete with independent agents. Consumers often buy from the same agent for years mostly because of the brand instead of buying on price only.

Shown below is a short list of exclusive agents in Aurora who can help you get price quote information.

More insurance agents

Independent Insurance Agents

Independent agents are not restricted to one company so they can quote policies with an assortment of companies and find you cheaper rates. If your premiums go up, your agent can switch companies which is easy for the insured. When comparing rates, we recommend you include rate quotes from at a minimum one independent agency for maximum quote selection. Many independent agencies also insure through smaller regional carriers which can be an advantage.

The following are independent insurance agencies in Aurora who can help you get price quote information.

More insurance agents

Upon getting positive responses to your questions and the cheapest Lincoln MKZ insurance in Aurora quotes, you may have found a car insurance agent that meets your needs to properly service your insurance policy. But remember, policyholders can cancel coverage at any time so never feel that you are obligated to any specific company for the full term.

Auto insurance can be complex

When selecting proper insurance coverage for your personal vehicles, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.Safe vehicles cost less to insure

For instance, these questions can aid in determining whether your personal situation would benefit from an agent's advice.

If you don't know the answers to these questions, you may need to chat with an insurance agent. If you don't have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

In Summary

We covered a lot of information how to save on Lincoln MKZ insurance in Aurora. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a lesser-known regional company.

As you quote Aurora car insurance, you should never skimp on coverage in order to save money. In many instances, an insured cut full coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage for the lowest price.

People change insurance companies for many reasons like extreme rates for teen drivers, poor customer service, being labeled a high risk driver or even policy cancellation. No matter why you want to switch, switching companies is not as hard as you think.

Much more information about auto insurance in Colorado can be read at these links: