Insurance for Lincoln MKSHow long have you put off shopping around for cheaper Lincoln MKS insurance in Aurora? If shopping for Aurora car insurance quotes online is new to you, you can easily be baffled by the vast assortment of local and online companies vying for business in Aurora.

A recent insurance study discovered that a large majority of insurance policyholders kept buying from the same company for well over three years, and nearly the majority have never compared insurance rates at all. Consumers in Colorado could save themselves almost $600 a year by just comparing quotes, but they don't want to take the time to find lower-cost insurance by shopping around.

If you already have coverage, you stand a good chance to be able to find better prices using the tips covered below. Finding and comparing the lowest-priced coverage in Aurora is not as difficult as people think. Although Colorado drivers must learn how big insurance companies compete online and apply this information to your search.

Many insurance companies give prices on their websites. Getting quotes for Lincoln MKS insurance in Aurora is pretty easy because it's just a matter of typing in your personal and coverage information into the form. After you submit the form the company's rating system sends out for credit information and your driving record and returns a price quote based on these factors.

Being able to quote online for Lincoln MKS insurance in Aurora makes comparing rates easy, and it is imperative to perform this step in order to find the most affordable insurance rates.

To save time and use this form to compare rates, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you replicate deductibles and limits exactly as shown on your declarations page. This makes sure you're receiving a fair comparison based on identical coverages.

The companies shown below have been selected to offer price comparisons in Colorado. If multiple companies are shown, we recommend you compare several of them to get the lowest price.

Lincoln MKS Insurance Rate Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $278 $500 $298 $18 $90 $1,184 $99
MKS 4-Dr Sedan $422 $910 $404 $24 $120 $1,880 $157
MKS Ecoboost AWD 4-Dr Sedan $360 $862 $338 $20 $102 $1,682 $140
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can change insurance rates significantly.

Gender-based auto insurance premiums

The information below illustrates the comparison of Lincoln MKS auto insurance rates for male and female drivers. The information is based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

Policy deductible comparison

When shopping for auto insurance, a common question is the level to set your comp and collision deductibles. The figures shown below may help to conceptualize the price difference when you choose different physical damage coverage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.

Lincoln MKS insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $342 $620 $298 $18 $90 $1,393 $116
MKS 4-Dr Sedan $342 $620 $298 $18 $90 $1,393 $116
MKS Ecoboost AWD 4-Dr Sedan $376 $702 $298 $18 $90 $1,509 $126
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Lincoln MKS insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $278 $500 $298 $18 $90 $1,184 $99
MKS 4-Dr Sedan $278 $500 $298 $18 $90 $1,184 $99
MKS Ecoboost AWD 4-Dr Sedan $306 $566 $298 $18 $90 $1,278 $107
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can increase or decrease premiums noticeably.

Based on the above data, using a $250 deductible costs about $17 more each month or $204 a year than choosing the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 15 months between claims, you would save money if you opt for a higher deductible. The illustration below shows a better example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $119
Average monthly premium for $500 deductibles (subtract): - $102
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

An important sidenote is that increasing deductibles to save money means you will have to pay more of your own money when you have a comprehensive or collision claim. You will want to have some extra savings in order to pay the higher deductible in order to repair your vehicle.

Compare prices but buy from a local neighborhood Aurora car insurance agent

Some consumers would rather get professional advice from a licensed agent and that is OK! An additional benefit of comparing rates online is you can get the best rates and still buy from a local agent. Putting coverage with neighborhood insurance agencies is important especially in Aurora.

Aurora insurance agentsUpon completion of this short form, the quote information is instantly submitted to companies in Aurora that can give you free Aurora car insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won't have to visit any agencies since price quotes are sent immediately to your email address. You can get cheaper auto insurance rates AND an agent nearby. If you wish to compare rates from one company in particular, you can always visit that company's website and complete a quote there.

Auto insurance agents in Aurora come in two varieties

When searching for a local Aurora insurance agent, there are a couple of types of agencies and how they work. Agents can be classified as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agencies

Independent insurance agents do not write with just one company and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. If your agent finds better pricing, the agent simply finds a different carrier and you don't have to do anything.

If you need lower rates, you need to get rate quotes from a few independent agents in order to compare the most rates. They often place coverage with smaller regional carriers which can be an advantage.

Shown below is a list of independent agents in Aurora that may be able to give you comparison quotes.

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Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide pricing for a single company and examples are Allstate and State Farm. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. They are highly trained on their products and sales techniques which helps them sell on service rather than price. Many people purchase coverage from exclusives mainly due to loyalty to the company rather than having the cheapest rates.

The following is a list of exclusive agencies in Aurora that can give you price quote information.

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Picking an insurance agent should include more criteria than just a low price. You should also get answers to these questions.