Car Insurance Quotes for a Lincoln MKS in Chandler

Insurance for Lincoln MKSDo you want to save money by finding low-cost Lincoln MKS insurance in Chandler? Finding cheaper insurance for your Lincoln MKS in Arizona could be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to shop for insurance and we’ll show you the proper way to quote coverages for a new or used Lincoln and find the lowest price either online or from Chandler insurance agents.

It’s smart to quote other rates occasionally because insurance prices trend upward over time. Even if you got the lowest rates on Lincoln MKS insurance in Chandler a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about insurance because it’s time to teach you the best methods to find lower rates on insurance.

The quickest method we recommend to compare insurance rates in your area is to understand almost all companies pay for the opportunity to compare their rates. To begin a comparison, all you need to do is spend a couple of minutes providing details like if a SR-22 is required, whether your vehicle is owned or leased, types of safety features, and if you went to college. Your information is submitted instantly to all major companies and they return quotes immediately.

To compare multiple company affordable Lincoln MKS insurance rates now, click here and see if a lower rate is available in Chandler.

The companies shown below can provide price quotes in Chandler, AZ. If multiple companies are listed, we recommend you get price quotes from several of them to get the best price comparison.

Don’t overlook these eight Lincoln MKS insurance discounts

Car insurance is neither fun to buy or cheap, but there are discounts available that can dramatically reduce your bill. Many of these discounts will be applied automatically at quote time, but once in a while a discount must be asked for prior to receiving the credit.Discount car insurance

One last thing about discounts, most discounts do not apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts will bring down the amount you have to pay.

The chart below visualizes the comparison of Lincoln MKS car insurance costs with and without discounts applied to the rates. The data is based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, safe-driver, and multi-policy discounts applied.

A few popular companies and their offered discounts can be found below.

When comparing rates, check with each insurance company which credits you are entitled to. Discounts might not be offered on policies in every state. For a list of insurers with the best Lincoln MKS insurance discounts in Chandler, follow this link.

Coverage information

The data table shown next outlines a range of insurance policy prices for Lincoln MKS models. Learning as much as possible about how rates are determined can be of help when making smart choices when buying a car insurance policy.

Lincoln MKS Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $278 $620 $268 $16 $80 $1,262 $105
MKS 4-Dr Sedan $278 $620 $268 $16 $80 $1,262 $105
MKS Ecoboost AWD 4-Dr Sedan $308 $700 $268 $16 $80 $1,372 $114
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price information does not factor in your specific Chandler location which can influence premiums greatly.

Should you raise deductibles?

One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The figures shown below outline the rate differences between low and high physical damage coverage deductibles. The first table uses a $250 physical damage deductible and the second price grid uses a $1,000 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 $292 $530 $254 $16 $76 $1,193 $99
MKS 4-Dr Sedan $292 $530 $254 $16 $76 $1,193 $99
MKS Ecoboost AWD 4-Dr Sedan $322 $600 $254 $16 $76 $1,293 $108
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Lincoln MKS insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
MKS AWD 4-Dr Sedan $180 $334 $254 $16 $76 $860 $72
MKS 4-Dr Sedan $180 $334 $254 $16 $76 $860 $72
MKS Ecoboost AWD 4-Dr Sedan $198 $376 $254 $16 $76 $920 $77
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in vehicle location which can increase or decrease premiums considerably.

Based on these figures, using a $250 deductible will cost in the ballpark of $28 more each month or $336 a year across all Lincoln MKS models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 27 months between claims, you would come out ahead if you choose a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $102
Average monthly premium for $1,000 deductibles (subtract): – $74
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One thing to note is that higher deductibles means you pay more out-of-pocket at claim time. You should have enough money put aside in the event you have to pay more to get your vehicle repaired.

The chart below illustrates how your choice of deductibles and can influence Lincoln MKS yearly insurance costs for each age group. The rates are based on a married female driver, full coverage, and no policy discounts are applied.

Illustration showing the impact of accidents and violations

The diagram below illustrates how traffic citations and at-fault claims influence Lincoln MKS insurance costs for each different age category. The data is based on a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

When should I contact an agent?

Some people still prefer to buy from a local agent and doing so can bring peace of mind Good agents are highly skilled in risk management and help file insurance claims. One of the great benefits of getting free rate quotes online is that you can find cheap rate quotes and still have a local agent. Buying from and supporting local insurance agents is important particularly in Chandler.

Insurance agency in ChandlerAfter completing this quick form, your insurance data is instantly submitted to companies in Chandler that give free quotes for your insurance coverage. It makes it easy because there is no need to leave your house since rate quotes are delivered to your email. If you need to compare rates from a specific car insurance provider, you can always find their quoting web page and fill out the quote form the provide.

Multiple types of auto insurance agents in Chandler

If you would like to find a local insurance agency, it’s important to understand the different types of agencies and how they are slightly different. Car insurance agents are classified as either exclusive or independent agents depending on their company appointments. Either one can provide car insurance policies, but it’s worth mentioning the subtle differences since it could factor into the type of agent you choose.

Independent Agencies or Brokers

Agents that elect to be independent are not locked into one company so they can insure your vehicles with lots of companies and get you the best rates possible. To transfer your coverage to a different company, your policy is moved internally and you stay with the same agent. If you need lower rates, you will definitely want to get some free quotes from independent agents to get the most accurate price comparison. Most can insure with companies that do not advertise much which may provide better rates.

Featured below are independent agencies in Chandler who may provide free rate quotes.

More insurance agents

Exclusive Car Insurance Agents

Agents that elect to be exclusive can only quote rates from one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so always compare other rates. They are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates. Consumers frequently purchase coverage from exclusives mainly due to the brand name and strong financial ratings.

Listed below is a short list of exclusive insurance agents in Chandler that are able to give comparison quotes.

More insurance agents

Finding the right car insurance agent shouldn’t rely on just a cheap price quote. Here are some questions to ask:

After you get positive feedback to your questions and an affordable coverage quote, you have narrowed it down to an insurance agent that is reputable and can provide car insurance coverage. Keep in mind you can always cancel a policy whenever you want so don’t feel you are locked into any particular company with no way to switch.

How much auto insurance do I need?

Always keep in mind that when comparing your policy, there really is not a best way to insure your cars. Your financial needs are unique and your policy should reflect that.Higher deductibles save money
These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Here’s why insurance is not optional

Even though it can be expensive, paying for insurance is most likely required but also gives you several important benefits.

First, just about all states have mandatory insurance requirements which means state laws require a specific level of liability insurance coverage in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Lincoln MKS with a loan, it’s guaranteed your bank will stipulate that you have comprehensive coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank may buy a policy for your Lincoln at an extremely high rate and force you to pay for the expensive policy.

Third, insurance preserves not only your car but also your assets. Insurance will also pay for all forms of medical expenses incurred in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance more than cancel out the cost, especially when you need to use it. The average driver in America is overpaying over $700 annually so we recommend shopping around each time the policy renews to ensure rates are inline.

Coverage specifics

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This covers damage to your MKS resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your MKS in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like doctor visits, X-ray expenses, rehabilitation expenses, pain medications and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Lincoln MKS.

Since a lot of drivers carry very low liability coverage limits (which is 15/30/10), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.


This protects you from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 15/30/10 which stand for $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as pain and suffering, bail bonds, legal defense fees, medical expenses and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing better liability coverage.

The chart below shows why minimum state limits may not be high enough to adequately cover claims.

Don’t give up on cheap rates

Lower-priced Lincoln MKS insurance in Chandler is available both online in addition to many Chandler insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not offer price quotes online and usually these small insurance companies sell through independent agencies.

In this article, we covered a lot of ways to get a better price on Lincoln MKS insurance in Chandler. The key thing to remember is the more providers you compare, the better chance you’ll have of finding cheaper Chandler auto insurance quotes. You may even be surprised to find that the biggest savings come from a lesser-known regional company. Smaller companies often have lower car insurance rates on specific markets compared to the large companies like GEICO and State Farm.

How to find affordable quotes for Lincoln MKS insurance in Chandler

The recommended way to get discount car insurance rates is to start comparing prices regularly from insurers in Chandler.

One thing to point out is that you’ll want to make sure you compare identical coverages on every quote and and to get price quotes from as many different insurance providers as possible. This enables the most accurate price comparison and a complete selection of prices.

Additional auto insurance information can be found on the following sites: