The easiest way to get budget Lincoln MKZ insurance in Santa Ana is to do an annual price comparison from different companies that sell auto insurance in California. Rate comparisons can be done by following these guidelines.
First, read and learn about the coverage provided by your policy and the things you can control to drop your rates. Many rating criteria that cause high rates such as distracted driving and an unacceptable credit history can be rectified by improving your driving habits or financial responsibility. Continue reading for information to help reduce premium rates and get additional discounts that may be available.
Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can provide price quotes for a wide range of insurance providers. View insurance agents
Third, compare the new rate quotes to your existing rates to determine if switching companies saves money. If you find better rates and switch companies, ensure coverage does not lapse between policies.
Fourth, provide written notification to your current company to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application to your new insurance company. Immediately upon receiving it, keep the new certificate verifying proof of insurance with the vehicle registration.
An important part of this process is that you use similar deductibles and liability limits on each quote and and to get rates from as many carriers as you can. This provides an accurate price comparison and the best price quote selection.
Anyone knows that car insurance companies don't want you comparing rates. People who shop for lower rates are likely to move their business because there is a great chance of finding better rates. A recent insurance study discovered that people who compared rates once a year saved $860 a year as compared to drivers who never compared rates.
If finding the lowest rates on Lincoln MKZ insurance is your objective, learning how to compare auto insurance can save time and money.
If you have coverage now or are shopping for new coverage, use these money-saving tips to buy cheaper car insurance and possibly find even better coverage. Shopping around for the lowest-priced coverage in Santa Ana is not as hard as you think. Shoppers only need an understanding of the most efficient way to compare insurance rates from many different companies online.
Get cheaper rates with discounts
Some providers don't necessarily list all possible discounts in a way that's easy to find, so the next list breaks down both well-publicized and the harder-to-find discounts that may be available.
- Discounts for Seat Belt Usage - Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Pay Early and Save - By paying your entire bill at once rather than paying monthly you can avoid monthly service charges.
- Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them enroll in driver's education as it can save substantially.
- Onboard Data Collection - People who choose to allow their insurance company to analyze when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they show good driving skills.
- Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with lower prices due to less chance of an accident.
Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, it doesn't quite work that way.
The illustration below compares Lincoln MKZ auto insurance rates with and without policy discounts. The premiums are based on a male driver, no claims, a clean driving record, California 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, multi-policy, safe-driver, and claim-free discounts applied.
Companies and a summarized list of policyholder discounts are included below.
- State Farm has discounts for Drive Safe & Save, safe vehicle, multiple autos, good driver, anti-theft, defensive driving training, and student away at school.
- Progressive offers premium reductions for multi-policy, continuous coverage, multi-vehicle, homeowner, online quote discount, and good student.
- Progressive may include discounts for continuous coverage, multi-policy, homeowner, good student, multi-vehicle, online quote discount, and online signing.
- MetLife offers discounts for claim-free, defensive driver, good driver, good student, and accident-free.
- Farm Bureau may offer discounts for youthful driver, safe driver, multi-vehicle, good student, driver training, multi-policy, and renewal discount.
- GEICO offers discounts including anti-lock brakes, defensive driver, five-year accident-free, driver training, and seat belt use.
- SAFECO may have discounts that include anti-lock brakes, accident prevention training, safe driver, multi-car, and teen safe driver.
When getting free Santa Ana car insurance quotes, it's a good idea to every insurance company to apply every possible discount. Depending on the company, some discounts may not be available in Santa Ana. To choose insurers that offer multiple discounts in California, follow this link.
How to find affordable Lincoln MKZ insurance in Santa Ana, CA
The car insurance companies shown below have been selected to offer price quotes in California. If several companies are displayed, we suggest you click on several of them to get the best price comparison.
Rates and other information
The coverage information below outlines estimates of insurance coverage prices for Lincoln MKZ models. Understanding more about how car insurance prices are established is important for making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $244 | $534 | $480 | $28 | $144 | $1,430 | $119 |
| MKZ AWD 4-Dr Sedan | $244 | $534 | $480 | $28 | $144 | $1,430 | $119 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in specific location which can revise premiums noticeably.
Comparison of policy deductibles
One frequently asked question is which comprehensive and collision deductibles to buy. The following insurance rates may help you to understand the difference in cost of buying low and high deductibles. The first rate table uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| MKZ AWD 4-Dr Sedan | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKZ 4-Dr Sedan | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| MKZ AWD 4-Dr Sedan | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in your specific Santa Ana location which can modify coverage rates noticeably.
We can derive from the above data that using a $250 deductible will cost you approximately $21 more each month or $252 every year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 12 months between claims, you would most likely save money if you opt for a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $156 |
| Average monthly premium for $500 deductibles (subtract): | - $135 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 - $250): | $250 |
| Divide difference by monthly savings: | $250 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
One important note is that increasing deductibles to save money results in a higher out-of-pocket expense when you have a claim. You need to have some savings in the event you need to pay the deductible.
The chart below shows how different deductible levels and can influence Lincoln MKZ insurance premiums for different insured age categories. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Careless driving habits raise Santa Ana car insurance rates
The example below demonstrates how traffic citations and at-fault fender-benders can drive up Lincoln MKZ annual premium costs for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
Gender differences in car insurance premiums
The illustration below illustrates the comparison of Lincoln MKZ premium costs for male and female drivers. The information is based on no violations or claims, comp and collision included, $100 deductibles, single status, and no discounts are applied.
Full coverage versus liability-only in Santa Ana
The example below shows the difference between Lincoln MKZ insurance premiums with full physical damage coverage and with liability coverage only. The price estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no additional discounts are factored in.
Should you pay for full coverage or liability only?
There is no clear-cut rule for phasing out comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let's pretend your Lincoln MKZ settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying the physical damage deductible. If premiums are more than $600 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some conditions where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Local neighborhood Santa Ana car insurance agents
A lot of people still like to talk to a local agent and doing that can be a smart decision Good agents are highly skilled in risk management and help you file claims. The best thing about comparing auto insurance online is the fact that drivers can get lower prices and also buy local.
For easy comparison, once you complete this short form, the coverage information is transmitted to insurance agents in Santa Ana that can give you free Santa Ana car insurance quotes to get your business. It makes it easy because there is no need to drive around because quoted prices will be sent to your email. If for some reason you want to compare rates from a particular provider, you would need to visit that company's website and submit a quote form there.
Finding a good company needs to be determined by more than just the bottom line cost. You should also get answers to these questions.
- How long has their agency been in business in Santa Ana?
- When do they do a full risk review?
- Do they assist clients in filing claims?
- Which insurance companies are they affiliated with?
- Are they primarily personal or commercial lines agents in Santa Ana?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
If you want to buy auto insurance from a reputable agency, you need to know there are two types of insurance agents to choose from. Auto insurance agencies may be either exclusive or independent (non-exclusive). Both types can properly insure your vehicles, but it's worth mentioning the difference in the companies they write for since it could factor into buying decisions.
Exclusive Auto Insurance Agencies
Exclusive agencies can usually just insure with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide other company's prices so you might not find the best rates. Exclusive insurance agents are well schooled on the products they sell and that allows them to sell at a higher price point. Some insured continue to use the same agent partially due to high brand loyalty rather than having the cheapest rates.
The following is a short list of exclusive agents in Santa Ana willing to provide price quote information.
- Farmers Insurance: Wendy Munoz
2441 N Tustin Ave - Santa Ana, CA 92705 - (714) 550-1100 - View Map - Farmers Insurance - Rosa Evaristo
2901 W Warner Ave - Santa Ana, CA 92704 - (714) 966-1461 - View Map - Allstate Insurance: Sonia Carolina Franco
2017 N Main St - Santa Ana, CA 92706 - (714) 515-8062 - View Map
Independent Agencies or Brokers
These agents are not employed by one company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest auto insurance rates. If your agent finds better pricing, an independent agent can move your coverage and you can keep the same agent. If you are trying to find cheaper rates, you will definitely want to check rates from independent agents to maximize your price options. They also have the ability to place coverage with less well-known companies which can save you money.
Shown below are Santa Ana independent agencies that can give you rate quotes.
- Sureguard Insurance Agency Inc
555 Park Center Dr #118 - Santa Ana, CA 92705 - (714) 464-8010 - View Map - Roberti's Insurance Agency
2128 N Tustin Ave #B - Santa Ana, CA 92705 - (714) 543-2788 - View Map - California Insurance Specialists
400 N Tustin Ave # 425 - Santa Ana, CA 92705 - (714) 558-8041 - View Map
In the end, you can save money
As you restructure your insurance plan, you should never buy poor coverage just to save money. Too many times, an insured cut full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest cost, but do not skimp to save money.
Consumers who switch companies do it for a number of reasons such as delays in paying claims, being labeled a high risk driver, high rates after DUI convictions or even denial of a claim. It doesn't matter why you want to switch finding a new company can be easier than you think.
Budget-friendly auto insurance in Santa Ana is definitely available both online as well as from independent agents in Santa Ana, and you need to comparison shop both to have the best rate selection. Some companies may not offer the ability to get a quote online and these regional carriers prefer to sell through independent insurance agents.
More detailed auto insurance information can be read by following these links:
- Avoiding Deer Collisions (Insurance Information Institute)
- Who Has Cheap Santa Ana Auto Insurance for 18 Year Olds? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Rates for State Employees? (FAQ)
- Who Has Cheap Auto Insurance for a Toyota RAV4 in Santa Ana? (FAQ)
- How Much is Santa Ana Auto Insurance for Drivers Over Age 70? (FAQ)
- Who Has Cheap Santa Ana Auto Insurance Quotes for a Ford Fusion? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)