Affordable Lincoln MKT Insurance in San Diego

Would you like to stop wasting money and find more competitive Lincoln MKT insurance in San Diego? Are you tired of being strong-armed to insure your Lincoln every month? Your situation is no different than the majority of other consumers in California.

Statistics show that the vast majority of drivers have stayed with the same insurance company for over three years, and approximately 38% of consumers have never compared rates with other companies. The average driver in California could save themselves as much as $500 a year by just comparing quotes, but they think it’s difficult to save money by comparing rate quotes.

Companies like Allstate, Progressive and GEICO continually hit you with catchy ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

Cheap San Diego car insurance rates with discounts

Not too many consumers would say car insurance is affordable, but you may be missing some discounts that you may not even know about. Many of these discounts will be applied automatically when you quote, but occasionally some discounts must be specifically requested before you get the savings.

• Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Safe Drivers – Drivers who avoid accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
• Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction with a few car insurance companies.
• Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and will save you 10% or more on MKT insurance in San Diego.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and will save you 10% or more on MKT insurance in San Diego.

Discounts lower rates, but many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck. But any discount will bring down the cost of your policy.

Popular car insurance companies and the discounts they provide are shown below.

• American Family may have discounts that include good student, good driver, early bird, defensive driver, mySafetyValet, air bags, and accident-free.
• Nationwide policyholders can earn discounts including anti-theft, business or organization, family plan, multi-policy, and accident-free.
• MetLife offers discounts including multi-policy, claim-free, good driver, good student, and accident-free.
• 21st Century discounts include driver training, 55 and older, homeowners, theft prevention, good student, anti-lock brakes, and defensive driver.
• Farmers Insurance offers premium reductions for business and professional, good student, homeowner, switch companies, mature driver, and pay in full.
• Allstate may offer discounts for anti-theft, teenSMART discount, early signing, 55 and retired, senior citizen, passive restraint, and premier plus.

When getting free San Diego auto insurance quotes, it’s a good idea to each company or agent which discounts you qualify for. Some discounts may not apply in every state. To locate providers that provide some of the discounts listed above in San Diego, click this link.

The easiest way to get rate comparisons for Lincoln MKT insurance in San Diego is to understand most of the larger companies pay for the opportunity to give rate comparisons. The only thing you need to do is provide details including if the car is leased, which vehicles you own, whether you are married, and if you require a SR-22. That information is instantly sent to all major companies and they return cost estimate quickly.

If you wish to get multiple quotes for your car now, click here and find out if you can get cheaper insurance in San Diego.

The following companies are ready to provide free rate quotes in San Diego, CA. If several companies are displayed, we suggest you get price quotes from several of them to get a more complete price comparison.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific San Diego garaging location which can lower or raise premiums significantly.

Auto insurance deductibles

The hardest decision when buying coverage is how high should your deductibles be. The rates shown below can help you understand the differences in price when you select higher and lower physical damage coverage deductibles. The first set of prices uses a $250 deductible and the second rate table uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can affect insurance rates significantly.

Based on the above data, using a $250 deductible costs about $21 more each month or $252 a year than buying the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 12 months between claim filings, you would probably come out ahead if you choose the higher deductible.

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you do file a claim. That will necessitate some savings in the bank in order to pay more for the deductible.

When should I have guidance from an agent?

Many people still prefer to go talk to an agent and doing that can be a smart decision A nice benefit of getting online price quotes is the fact that you can find cheap auto insurance rates and still buy from a local agent. Buying from and supporting local agents is definitely important in San Diego.

After filling out this short form, your insurance coverage information gets sent to local insurance agents in San Diego who will return price quotes for your auto insurance coverage. It’s much easier because you don’t need to contact any agents due to the fact that quote results will go directly to you. You can find better rates and an insurance agent to talk to. If you want to compare prices from a specific company, don’t hesitate to navigate to their website and fill out their quote form.

If you would like to find a local agent, there are a couple of types of agencies from which to choose. Auto insurance agents in San Diego can be classified as either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

Agents in the independent channel are not employed by one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and you can keep the same agent.

When comparing auto insurance rates, it’s recommended you check rates from several independent insurance agents for maximum quote selection.

Shown below are independent agencies in San Diego who can help you get competitive price quotes.

View more agents

Exclusive Auto Insurance Agencies

These agents normally can only provide a single company’s rates such as Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates.

Shown below are San Diego exclusive agencies willing to provide price quotes.

View more agents

Finding the right car insurance agent requires more thought than just a low price. Here are some questions you should ask.

• Will the agent or a CSR service your policy?
• How are they compensated?
• Can glass repairs be made at your home?
• Can you choose the body shop in case repairs are needed?
• Are they involved in claim handling?
• Is the agency active in community causes in San Diego?

Quote. Compare. Save.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best possible price, but don’t skip important coverages to save money.

Affordable Lincoln MKT insurance in San Diego is possible online in addition to many San Diego insurance agents, so you need to shop San Diego auto insurance with both to have the best rate selection. There are still a few companies who do not offer rate quotes online and most of the time these small, regional companies provide coverage only through local independent agents.

We covered many ways to find cheap Lincoln MKT insurance in San Diego. It’s most important to understand that the more companies you get rates for, the higher your chance of finding the cheapest Lincoln MKT rate quotes. You may even be surprised to find that the best price on insurance is with the smaller companies. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

Even more information is located in the articles below:

• All About Airbag Safety (State Farm)
• Who Has the Cheapest Car Insurance Rates for Police Officers in San Diego? (FAQ)
• Safe Vehicles for Teens (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)