Affordable Rates for Lincoln MKS Insurance in Santa Ana

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Do you want to stop overpaying and find the cheapest Lincoln MKS insurance in Santa Ana? If you're trying to find lower-priced insurance online, are you intimidated by the number of auto insurance sources in Santa Ana? Lot's of other drivers are too. There are so many choices that it can easily turn into a difficult mission to find the perfect company for you. Santa Ana is an excellent city in which to live, but high auto insurance prices can make it hard for many drivers to keep a tight budget.

Insurance for Lincoln MKSWe don't have to point out that fact that insurance companies don't want you to look for a cheaper policy. Consumers who shop around for the cheapest rate are highly likely to switch companies because of the high probability of finding discount prices. A recent auto insurance study revealed that drivers who routinely shopped around saved as much as $865 annually compared to drivers who never shopped for cheaper rates.

If finding budget-friendly auto insurance in Santa Ana is your ultimate goal, then learning a little about the best ways to find and compare car insurance can help you be more efficient.

Buying the cheapest auto insurance in Santa Ana is really quite simple as long as you have a good starting point. If you are already insured, you will be able to get lower rates using the ideas presented in this article. But California car owners benefit from understanding the way insurance companies determine premium rates and use it to your advantage.

Companies offering low-cost Lincoln MKS price quotes in Santa Ana, CA

The providers in the list below provide comparison quotes in Santa Ana, CA. If the list has multiple companies, we suggest you visit several of them to find the most affordable car insurance rates.

Rates and detailed analysis

The price information displayed below outlines a range of coverage costs for Lincoln MKS models. Having a better idea how rates are calculated is important for drivers to make smart policy decisions.

Lincoln MKS Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $412 $912 $394 $24 $118 $1,860 $155
MKS 4-Dr Sedan $412 $912 $394 $24 $118 $1,860 $155
MKS Ecoboost AWD 4-Dr Sedan $454 $1032 $394 $24 $118 $2,022 $169
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in zip code location which can decrease or increase prices noticeably.

Comparison of policy deductibles

One frequently asked question is how high should the physical damage deductibles be. The rates below may help you to understand the price difference when you choose different deductibles. The first data set uses a $100 deductible and the second set of prices uses a $500 deductible.

Lincoln MKS insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $478 $932 $376 $22 $112 $1,945 $162
MKS 4-Dr Sedan $478 $932 $376 $22 $112 $1,945 $162
MKS Ecoboost AWD 4-Dr Sedan $528 $1054 $376 $22 $112 $2,117 $176
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Lincoln MKS insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $348 $630 $376 $22 $112 $1,488 $124
MKS 4-Dr Sedan $348 $630 $376 $22 $112 $1,488 $124
MKS Ecoboost AWD 4-Dr Sedan $384 $712 $376 $22 $112 $1,606 $134
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific Santa Ana garaging location which can affect prices considerably.

Based on these figures, using a $100 deductible costs approximately $40 more each month or $480 for a full year than opting for the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have more than 10 months between claim filings, you would save money by going with a higher deductible.

The illustration below highlights how deductible selection and can increase or decrease Lincoln MKS premium costs for different age groups of insureds. The premiums are based on a married male driver, comp and collision included, and no policy discounts are applied.

Violations and accidents raise rates

The diagram below shows how violations and at-fault fender-benders increase Lincoln MKS car insurance rates for each age group. The premiums assume a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Full coverage rates vs. liability-only

The diagram below illustrates the difference between Lincoln MKS insurance premiums with and without physical damage coverage. The information is based on no accidents or driving violations, $250 deductibles, single status, and no other discounts are factored in.

Should you be buying full coverage?

There isn't a steadfast formula that works best for making the decision to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Lincoln MKS settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after the deductible is paid. If you are paying in excess of $400 a year for full coverage, then you might consider buying liability only.

There are some situations where eliminating full coverage is not a good plan. If you haven't satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Why You Might Pay Lower Rates in Santa Ana

Many different elements are taken into consideration when you quote your car insurance policy. Some are pretty understandable like your driving record, although some other factors are more transparent such as whether you are married or how safe your car is. It's important that you understand some of the elements that come into play when calculating the price you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that could result in much lower annual insurance costs.

  • Premiums are high for teenagers - Older people have been proven to be more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets. Drivers with little experience are statistically shown to be inattentive when driving therefore insurance rates are much higher.

    The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Never let your insurance lapse - Allowing your insurance policy to lapse is a sure-fire way to drive up your policy premiums. In addition to paying higher rates, failure to provide proof of insurance might get you a revoked license or a big fine. Then you may be required to file a SR-22 with the California DMV.
  • Car and home together may be cheaper - Lots of companies apply lower prices for people that buy multiple policies such as combining an auto and homeowners policy. The discount can add up to anywhere from five to ten percent in most cases. Even if you already get this discount, drivers will still want to comparison shop to help guarantee you have the best rates.
  • Do you work long hours in a stressful vocation? - Did you know your insurance rates can be affected by your occupation? Occupations like lawyers, social workers, and medical professionals generally have higher premiums than the average policyholder in part from job stress and lots of time spent away from family. On the flip side, occupations such as actors, engineers and the unemployed have the lowest average rates.

  • Insurance losses for a Lincoln MKS - Insurance companies use claims history to determine a rate that will be profitable for them. Vehicles that the data determines to have high amounts or severity of claims will have increased rates.

    The table below illustrates the insurance loss data used by companies for Lincoln MKS vehicles. For each insurance policy coverage type, the loss probability for all vehicles averaged together is a value of 100. Values that are below 100 imply a favorable loss record, while values over 100 show a trend for more claims or an increased chance of a larger loss.

    Lincoln MKS Insurance Loss Statistics
    Vehicle 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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years

Car insurance policy discounts you can't miss

Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. Certain reductions will be credited at quote time, but occasionally some discounts must be specially asked for before they will apply.Cheaper car insurance with discounts

  • Good Student Discount - Maintaining excellent grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Multiple Policy Discount - When you have multiple policies and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • New Vehicle Savings - Insuring a vehicle that is new is cheaper because newer vehicles are generally safer.
  • Defensive Driving Course - Participating in a defensive driver course could cut 5% off your bill and also improve your driving technique.
  • Low Mileage Discounts - Maintaining low annual mileage could earn lower premium rates due to less chance of an accident.
  • Telematics Data Discounts - Santa Ana drivers who agree to allow companies to study driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.

While discounts sound great, it's important to understand that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, it's just not the way it works.

The example below visualizes the comparison of Lincoln MKS premium costs with and without some available policy discounts. The information is based on a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, claim-free, homeowner, and safe-driver discounts applied.

A few companies that may offer policyholders many of the previously listed discounts may include but are not limited to:

Double check with every company which discounts they offer. Some of the discounts discussed earlier may not be available in your state. If you would like to choose from a list of insurance companies that offer many of these discounts in California, click this link.

Local Santa Ana car insurance agents

Certain consumers still like to have an agent's advice and doing that can be a smart decision An additional benefit of comparing insurance prices online is the fact that drivers can get cheap rate quotes and also buy local.

Santa Ana insurance agentsUpon completion of this form (opens in new window), your insurance coverage information is transmitted to companies in Santa Ana who will gladly provide quotes to get your business. There is no reason to search for an agent as quotes are delivered instantly to you. You can find the lowest rates AND an agent nearby. If for some reason you want to quote rates from one company in particular, just visit that company's website to submit a rate quote request.

Picking an provider is decision based upon more than just the price. The following questions are important to ask.

  • Which company do they place the most coverage with?
  • What discounts might you be missing?
  • Who is covered by the car insurance policy?
  • Are they involved in claim handling?
  • Can you get a list of referrals?

Shown below is a short list of insurers in Santa Ana who can help you get price quotes for Lincoln MKS insurance in Santa Ana.

More Santa Ana agents

What is the best car insurance company in California?

Ending up with a highly-rated insurance provider can be difficult considering how many different companies insure vehicles in Santa Ana. The company ratings shown below could help you choose which providers to look at comparing prices from.

Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

Top 10 Santa Ana Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

When in doubt talk to an agent

When it comes to choosing coverage for your personal vehicles, there isn't really a one size fits all plan. Your situation is unique so your insurance should reflect thatAuto insurance savings Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • Does my Lincoln MKS qualify for pleasure use?
  • What is PIP insurance?
  • Can I make deliveries for my home business?
  • Am I covered if my car is in a flood?
  • Should I buy full coverage?
  • What is the minimum liability in California?
  • What is glass protection for?
  • When do I need to add a new car to my policy?
  • Why am I required to buy liability insurance?
  • Should I get collision insurance on every vehicle?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

The best insurance company isn't always the cheapest

Low-cost Lincoln MKS insurance in Santa Ana is attainable on the web in addition to many Santa Ana insurance agents, so get free Santa Ana car insurance quotes from both of them to have the best rate selection. A few companies don't offer online rate quotes and these small insurance companies only sell through local independent agencies.

We just presented many ways to reduce Lincoln MKS insurance rates online in Santa Ana. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest rates are with a smaller regional carrier. They may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.

How to find affordable Lincoln MKS insurance in Santa Ana

Really, the only way to find cheaper prices for Lincoln MKS insurance is to compare prices annually from insurance carriers in Santa Ana.

  • Step 1: Try to understand how insurance works and the measures you can control to prevent expensive coverage. Many risk factors that cause rate increases such as speeding and poor credit rating can be improved by being financially responsible and driving safely.
  • Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like Progressive and State Farm, while independent agents can provide price quotes from multiple insurance companies.
  • Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available in Santa Ana. If you find better rates, verify that coverage does not lapse between policies.
  • Step 4: Tell your current company of your decision to cancel your existing policy. Submit a completed policy application and payment to your new carrier. Make sure you place the new certificate verifying proof of insurance with your registration paperwork.

The key thing to remember is to use identical coverages on each price quote and and to get rate quotes from as many companies as possible. Doing this ensures a fair price comparison and a complete rate analysis.

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